Closed-loop payments — offline and online, on the rails you already own
One balance in Apple & Google Wallet. Paid at the POS terminal you already run, or embedded straight into your checkout — as a widget on merchant sites, via API, or as a payment method inside your PSP gateway. No customer app. No EMI license. Weeks, not months.
Free 30-day pilot with full setup and training. No credit card. No obligations.
Zero friction. Four ways to deploy.
Every closed-loop system tries to add complexity. We remove it — at every layer.
No app for customers
Cards issue directly to Apple Wallet and Google Wallet. Customer scans a QR code, taps "Add to Wallet", done in 10 seconds. No download, no signup.
No new hardware
Works on your existing POS terminal — PAX, Verifone, Ingenico, and others. Or use our simple mobile app on any smartphone. No expensive dedicated devices.
No site changes
Online too. Embed 7Konto into your merchant's checkout via widget, or into your PSP gateway as a payment method. Zero code changes on the merchant side.
No interchange
Closed-loop internal accounts. 0% to Visa or Mastercard. 100% of transaction data stays with you and the merchant. Your economics, your rules.
Yes — one balance for POS and "Pay with 7Konto" online
At the counter: cashier enters amount, terminal shows QR, customer scans with their own phone. Online: customer picks 7Konto at checkout — on the merchant's site or inside your PSP gateway. Same balance, same admin, same one transaction flow. Proven at scale through our sister brand 7stamp.
Three integration paths. One balance.
POS terminals, an online checkout widget for merchant sites, or embedded straight into your PSP gateway — same balance across all three.
POS terminals
On your existing PAX, Verifone, or Ingenico. Cashier enters amount, terminal shows QR, customer scans with their own phone. Fallback: our mobile app on any device.
- 1
Cashier enters amount
On your existing terminal, same as a card payment.
- 2
Terminal displays QR
Large, high-contrast QR on the terminal screen.
- 3
Customer scans, pays
Wallet card balance debited instantly.
Checkout widget
A ready checkout widget for merchant websites. One-line JavaScript embed. Four one-click authentication methods:
- 1
Wallet card
Customer scans their Wallet card — one tap.
- 2
Phone
SMS code or instant Flash-call.
- 3
Email
One-time code. Classic and reliable.
- 4
Corporate ID
For B2B/B2E users. No consumer signup.
Embedded in PSP gateway
7Konto appears as a new payment method inside your existing PSP's checkout. Merchants change nothing on their sites — "Pay with 7Konto" auto-appears next to cards and wallets you already offer.
- 1
One-time PSP integration
We integrate with your gateway once, for all your merchants.
- 2
Auto-appears at checkout
Every merchant on your gateway gets "Pay with 7Konto" as a native payment method.
- 3
Smart account routing
B2C → gift, personal, loyalty. B2B/B2E → corporate credit, employee allowance.
Same balance across all three paths. One admin panel, one transaction ledger, one reporting stream — whether the customer taps a POS terminal or clicks "Pay with 7Konto" online.
Five closed-loop stories with real demand
We've been asked for these five products across every market we've served. High demand, easy to explain, fast to deploy — offline and online.
Gift Certificates for Chains
Digital gift cards in Apple Wallet and Google Wallet. Sold online or in-store. Redeemable across all locations — offline at POS or online via widget.
- • Retail chains, restaurants, hospitality
- • Instant delivery via SMS/email
- • Promotional bonuses (buy $100, get $110)
Coupons & Promo Distribution
Wallet-based digital coupons for promotions, cross-marketing between chains, discount campaigns, and event tickets. Trackable, non-counterfeitable.
- • Social media promo codes to Wallet
- • Cross-marketing between partner businesses
- • Event tickets and access passes
B2B2E — Fuel Cards
Fuel networks + transport companies + drivers. Individual Wallet cards with per-driver limits. Fuel reservation before dispensing. Same pattern for meals, mobility, benefits.
- • Per-driver daily/monthly limits
- • Reserve funds before fueling, confirm after
- • Same pattern: meals, mobility, benefits
Corporate Meals & Campus
B2B2E on closed territories. Factories, offices, hospitals, universities — one pool of users, multiple merchants on-site. Employer sets rules, employees spend in Wallet.
- • Categories, weekday-only, allowed merchants
- • Multi-tenant admin per employer
- • Balance also usable at partner e-shops
Online & E-commerce
Same balances — now online. A checkout widget for merchant sites, or embedded straight into your PSP gateway as a payment method. Four one-click auth methods, smart B2C/B2B account routing.
- • Wallet · SMS · Email · Corporate ID auth
- • Embedded in PSP checkout — zero merchant changes
- • Same admin, same balance as offline
All five stories run on the same platform. One balance, one admin, one transaction ledger — whether the customer taps a POS terminal or clicks "Pay with 7Konto" online.
7Konto isn't just customer cards. It's a B2B2E platform.
A merchant on 7Konto (like a fuel network) can give the platform to their business customers (like transport companies). Those businesses then add their own employees (drivers), each with individual Wallet cards and per-user limits.
Three parties. One platform. Widely used for fuel cards, corporate meals, employee benefits, and any scenario where a business needs to distribute controlled spending to its people.
See Detailed Fuel ExampleMerchant (fuel network)
Provides the platform to business customers
Business (transport company)
Manages an internal program for their employees
Employees (drivers)
Get Wallet cards with individual limits
Data stays with you. Interchange doesn't apply.
Every economic and strategic advantage of closed-loop, without the burden of building it. Because the transaction never leaves your ecosystem.
Customer transaction data stays with you and the merchant. Not with Visa or Mastercard.
Interchange. No card scheme fees. Your economics, your rules.
EMI license required. PSD2 limited-network exemption covers closed-loop.
Attribution: who spent what, where, when. POS and online in one dataset.
You're not disintermediating your card business. You're adding a parallel product line with better economics — for merchants Visa and Mastercard can't serve well. Offline and online, on rails you already own.
Built for real businesses across sectors
Every industry has its own use case. We've been asked to solve them all.
Retail chains
Digital gift cards in customer wallets. Redeem at any terminal in your network.
Retail chains solutions →Restaurants & HORECA
Prepaid balances and loyalty for cafes, quick-service, and full-service restaurants.
Restaurants & HORECA solutions →Hospitality
Guest wallet cards for room charges, spa, restaurant, and checkout.
Hospitality solutions →Corporate meal programs
B2B2E meal accounts. Employer preloads, employees pay at partner venues.
Corporate meal programs solutions →Employee benefits
Fuel cards, benefit balances, allowances with daily and monthly limits.
Employee benefits solutions →Cashless events
No NFC bracelets. Guests use their existing phone as wallet card.
Cashless events solutions →Property management
Building-specific expense budgets with per-property visibility.
Property management solutions →Don't see your industry?
We've probably been asked to solve it. Let's talk.
Free 30-day pilot — we set it up for you
Not a trial where you figure it out yourself. A real pilot with full support from our team. We do the work, you see the results.
Full platform configured
We configure everything to fit your specific business needs.
Staff training via video call
Our team trains your staff so they're comfortable from day one.
First customer onboarding
We help you launch cards with your first real customers.
Up to 10,000 operations
Full platform access with a generous transaction allowance.
No credit card required. No obligations. If it works — you continue. If not — you walk away.
Enterprise-grade platform. SMB-friendly setup.
Built on years of experience running closed-loop systems in production.
Launch in days
Not months. Configuration and go-live in 3-5 business days.
Turnkey setup
No development required. We handle configuration end-to-end.
Multi-tenant
Manage multiple businesses under one master account.
Flexible billing
Transactional, subscription, or hybrid — we support all models.
Real-time reporting
Live dashboards for transactions, balances, and merchant activity.
REST API + webhooks
Programmatic access to every part of the platform.
Apple + Google Wallet
Native integration with both major digital wallets.
Multi-currency
Support for currencies, points, meals, liters, and custom units.
Built by the team behind 7stamp and 7loc
7Konto is not vaporware. It's built on years of production experience running Wallet-based loyalty and closed-loop payment systems across multiple continents.
Digital stamp cards in Apple & Google Wallet. Punch cards without an app.
Visit 7stamp →AI-powered customer engagement across 7 communication channels.
Visit 7loc →Where we've been asked to solve this
Real requests, real market validation:
Operating across EU, Ukraine, Africa, US, and Canada.
Simple, transparent pricing
Pay a flat monthly fee based on your plan. No hidden fees. Free 30-day pilot for every new business.
Extend your merchant offering
White-label closed-loop platform for payment networks. Runs on your existing POS terminal fleet. Revenue share, per-terminal fee, or hybrid models. Weeks to integrate.
Closed-loop payments — clarified
Quick definitions to help you understand what 7Konto does.
Closed-loop payment
A payment system where funds can only be spent within a defined ecosystem — one merchant, a group of related merchants, or a specific program.
Full definition →Wallet card
A digital pass stored in Apple Wallet or Google Wallet that represents value (balance, prepaid amount) or access rights (tickets, membership).
Full definition →Commercial account
A business-controlled prepaid or spending account, typically distributed to employees or customers of the account owner, often with spending limits.
Full definition →B2B2E
Business-to-Business-to-Employee. A distribution model where a platform provider works with businesses that in turn provide products or services to their employees.
Full definition →Frequently asked
Quick answers to the most common questions about 7konto.
What is a closed-loop payment platform?
A closed-loop payment platform lets you issue and process payments within your own ecosystem — gift cards, prepaid balances, employee accounts — without routing every transaction through Visa, Mastercard, or a bank. Funds stay in your system, giving you full control over fees, data, and customer experience.
Do you handle online payments too, or just POS?
Both. The same balance works at a POS terminal and in an online checkout. We provide a checkout widget for merchant sites, and we embed directly into PSP gateways as a payment method. One admin panel, one transaction ledger, one reporting stream — offline and online together.
How does 7Konto embed into a PSP checkout?
7Konto appears as a new payment method inside your PSP's existing checkout, alongside cards and wallets you already offer. Merchants using that gateway see "Pay with 7Konto" auto-appear. No code changes required on the merchant site. Smart account detection routes customers between B2C balances (gift, personal prepaid, loyalty) and B2B/B2E accounts (corporate credit, employee allowance).
What data stays with us versus going to Visa or Mastercard?
100% of closed-loop transaction data stays in your ecosystem — you and the merchant. Nothing routes through Visa or Mastercard. 0% interchange fees. Full attribution: who spent what, where, when, across both POS and online in one dataset. You add a parallel product line with better economics without disintermediating your card business.
Do my customers need to install an app?
No. 7Konto cards issue directly to Apple Wallet or Google Wallet in about 10 seconds. The customer scans a QR code with their phone camera, taps "Add to Wallet", and the card appears. No app download, no account creation, no registration.
Does it work with my existing POS terminal?
Yes. The most common flow: cashier enters the amount on your existing POS terminal, the terminal displays a QR code, the customer scans it with their phone, and the transaction completes. Works with terminals from PAX, Verifone, Ingenico, and others. If you don't have a POS terminal, we also provide a simple mobile app for your staff.
How does the free pilot work?
You get 30 days of full platform access with up to 10,000 operations included. We configure the platform for your specific business, train your staff via video call, and help onboard your first customers — all included free. No credit card required, no obligations. If it works for you, you choose a paid plan. If not, you walk away.
How much does 7Konto cost?
Solo — $49/month for single-location businesses with 2,500 transactions included. Network — $149/month for growing networks and e-commerce with 10,000 transactions and Online Checkout Widget. Scale — $349/month for large networks with 30,000 transactions and B2B2E accounts. Enterprise pricing is custom for large deployments. All plans include Apple Wallet, Google Wallet, admin dashboard, and email support.
How is 7Konto different from PassKit or Badge?
PassKit and Badge focus on Wallet passes only — they don't process payments. 7Konto is a full closed-loop payment platform with a ledger, transaction processing, POS terminal integration, online checkout widget, and PSP checkout embedding. Cards issued through 7Konto have real balances that get charged in real-time — at POS or online.
Which industries does 7Konto support?
Retail chains, restaurants and HORECA, hotels and hospitality, corporate meal programs, employee benefits and fuel cards, cashless events, coalition loyalty programs, property management, campus environments, and online/e-commerce merchants who need closed-loop payments alongside their PSP.
Ready to launch closed-loop payments?
Free 30-day pilot. We handle the setup and training. You just watch it work.
Email us at info@7konto.com