For merchants · banks · EMIs · PSPs · processors
One balance in Apple Wallet and Google Wallet. Spent at the POS terminal you already run, through a checkout widget on your merchant's site, or as a payment method inside your PSP gateway. No customer app. No EMI licence. Weeks, not months.
A merchant who holds prepaid balances keeps the float, pays no interchange and sees every transaction. That is the whole reason chains build their own payment products. What stops everyone else is the ledger, the wallet integration, the terminal work and the compliance reading — twelve months of it, before a single card exists.
7Konto is the ledger, the Wallet issuance and the three integration paths, already built and already in production. The card lands in a wallet the customer already has, and the payment runs on the terminal the merchant already has. Configuration and go-live take three to five business days.
Every closed-loop system tries to add something — an app, a device, a rebuild. These are the four we removed.
Cards issue directly to Apple Wallet and Google Wallet. The customer scans a QR code, taps “Add to Wallet”, and is done in about ten seconds. No download, no account, no registration form to abandon.
It runs on the POS terminals already on your counters — PAX, Verifone, Ingenico and others. Where there is no terminal, staff run the same flow from an ordinary phone. Nothing dedicated to buy, deploy or maintain.
Online works the same way. Embed the checkout widget on a merchant site with one line of JavaScript, or embed 7Konto into a PSP gateway once and every merchant on it gets the payment method with no work at all.
Closed-loop accounts settle internally. Nothing routes through Visa or Mastercard, so no scheme fees apply and 100% of the transaction data stays with you and the merchant. Your economics, your rules.
Eight things that are true of every deployment, and four that depend on the integration path you pick.
One balance
At the counter the cashier enters an amount and the terminal shows a QR the customer scans with their own phone. Online the customer picks 7Konto at checkout — on the merchant's site or inside your PSP gateway. Same balance, same admin panel, same transaction ledger. The channel is a surface, not a separate product.
Balances, cards, merchants and limits in one place, whether the money moved at a till or in a browser.
Offline and online volume in the same dataset, separable by channel when you want it and joined when you don't.
The Wallet issuance and ledger underneath have been running in production for years through our sister brand 7Stamp.
Every business that wants closed-loop payments faces the same fork, and the cost of the two branches is not close.
A ledger that balances, Apple and Google Wallet certifications, terminal software on three vendors' hardware, a checkout flow, an admin panel, and a compliance opinion on whether any of it needs a licence. Six to twelve months and a team, before the first card is issued — and the result is a payment system you now have to operate.
The ledger, the wallet issuance, the terminal flow, the widget and the PSP embedding are already built and already carrying transactions. You configure the programme — cards, balances, limits, merchants — and go live in three to five business days. A free 30-day pilot proves it before anyone signs anything.
On your existing PAX, Verifone or Ingenico fleet. The cashier enters the amount, the terminal displays a QR, the customer scans it with their own phone. Where there is no terminal, the same flow runs from a staff phone.
A ready widget for merchant websites, added with a one-line JavaScript embed. Four one-click ways to authenticate: the Wallet card itself, a phone by SMS or Flash-call, an email one-time code, or a corporate ID for B2B and B2E users.
7Konto appears as a new payment method inside your existing checkout. Merchants change nothing on their sites — “Pay with 7Konto” shows up next to the cards and wallets you already offer, for every merchant on the gateway.
When the customer authenticates, the platform works out which account they hold — a personal gift or loyalty balance, or a corporate credit line or employee allowance — and applies that account's rules, limits and merchant restrictions to the payment.
The advantages are not marketing positions. They follow from one fact: the transaction never leaves your ecosystem.
Transaction data stays with you and the merchant. Not with Visa, not with Mastercard, not with a processor in between.
In practiceFull basket-level attribution, POS and online in one dataset.
No card scheme sits in the flow, so no scheme fee applies. The economics of the programme are yours to set.
In practiceNo per-transaction fee to a network, at any volume.
PSD2's limited-network exemption covers closed-loop programmes, and comparable frameworks apply elsewhere.
In practiceGift cards, benefits, guest accounts and event payments all fit.
Prepaid balances sit in your programme until they are spent, which is the same mechanic a chain builds its own app to get.
In practiceTop-up now, redeem across the whole network later.
Products that sell themselves
These five have been asked for in every market we have served. High demand, quick to explain, fast to deploy — offline and online.
Digital gift cards in Apple and Google Wallet, sold online or in store, redeemable across every location and in the checkout widget.
Gift certificatesFuel networks, transport companies and drivers. Individual Wallet cards with per-driver limits and reservation of funds before dispensing.
B2B fuel cardsFactories, offices, hospitals and universities: one pool of users, several merchants on site, rules set by the employer.
Closed-loop campusThe same balances online — a widget on merchant sites, or embedded straight into a PSP gateway as a payment method.
Online and e-commerceA merchant on 7Konto — a fuel network, say — can hand the platform to its own business customers, such as transport companies. Those businesses then enrol their own employees, the drivers, each with an individual Wallet card and per-user limits. The same pattern carries corporate meals, mobility and employee benefits: any case where a business has to distribute controlled spending to its people.
Every sector arrives with its own version of the same question: how do we hold a balance for someone and let them spend it only with us.
Digital gift cards in customer wallets, redeemable at any terminal in the network and at the online checkout.
Fuel cards, benefit balances and allowances with daily and monthly limits, set by the employer and enforced at the point of sale.
The same balance at the online checkout, through a widget on the merchant's site or a payment method inside the PSP gateway.
Not a trial where you work it out alone. A real pilot, configured and supported by our team, with up to 10,000 operations included.
Three ways to get closed-loop payments running, and what each one actually costs you.
PassKit-style tools distribute Wallet passes. They have no ledger, so a balance on them is a number printed on a card rather than money that can be charged.
Issuance and a checkout screen are the visible ends. The ledger, the reconciliation and the limit engine between them are what takes the year.
Any deployment that needs new hardware on every counter is priced and paced by that hardware, not by the software.
A plan covers a transaction allowance and a number of locations. Issuing cards to Wallet is always free, however many you create.
$149
Per month. 10,000 transactions, up to 5 locations, gift card module, online checkout widget, REST API and webhooks.
See pricing$49 – custom
Solo at $49, Network at $149, Scale at $349 with B2B2E accounts, and Enterprise quoted. Every new business starts with the free 30-day pilot.
Start free pilotUpdated
Terms
Payments vocabulary is overloaded, and two of these decide which regulations apply to a programme. This is what they mean on this site.
It lets you issue and process payments inside your own ecosystem — gift cards, prepaid balances, employee accounts — without routing every transaction through Visa, Mastercard or a bank. The funds stay in your system, so the fees, the data and the customer experience are yours to set.
No. Cards issue straight to Apple Wallet or Google Wallet, which are already on every phone. The customer scans a QR code with the camera, taps “Add to Wallet”, and the card is there in about ten seconds. No download, no account, no registration form.
Yes. The cashier enters the amount on the terminal you already run, the terminal shows a QR code, and the customer scans it with their own phone. That works on any terminal that can draw a QR on screen, which covers modern PAX, Verifone and Ingenico fleets. If there is no terminal at all, staff can run the same flow from a phone.
Both, on one balance. There is a checkout widget for merchant sites and a direct embedding into PSP gateways as a payment method. One admin panel, one transaction ledger, one reporting stream — offline and online together.
7Konto appears as a new payment method inside your existing checkout, next to the cards and wallets you already offer. Every merchant on that gateway sees “Pay with 7Konto” without changing a line on their own site: we integrate once with the gateway, and the whole portfolio has it.
All of it stays, and none of it goes. Closed-loop transaction data belongs to you and the merchant, nothing routes through the card schemes, and interchange does not apply. You get full attribution — who spent what, where and when — across POS and online in one dataset.
Not for the usual closed-loop cases: gift cards, employee benefit accounts, hotel guest accounts, event payments. They fall under the limited-network exemption in PSD2 and comparable frameworks elsewhere. Where a programme approaches the edge of that exemption — a very broad merchant network, for instance — we say so before it is built, not after.
Thirty days of full platform access with up to 10,000 operations. Our team configures the platform for your business, trains your staff over a video call and helps you onboard the first customers. No credit card, no obligation. If it works you pick a plan; if not, you walk away.
Solo is $49 a month for one location with 2,500 transactions. Network is $149 for up to five locations, 10,000 transactions, the gift card module and the online checkout widget. Scale is $349 for up to twenty locations, 30,000 transactions, B2B2E accounts and smart account detection. Enterprise is quoted. Every new business starts with the free pilot.
Those are Wallet pass products: they distribute passes, they do not process payments. 7Konto is a closed-loop payment platform with a ledger, transaction processing, POS integration, an online checkout widget and PSP embedding. A card issued here carries a real balance that is charged in real time.
Retail chains, restaurants and HORECA, hotels, corporate meal programmes, employee benefits and fuel cards, cashless events, coalition loyalty, property management, campus environments, and e-commerce merchants who want closed-loop alongside their PSP.
A free 30-day pilot. We handle the setup and the training — you watch it work.
