Closed-Loop Payments for Campuses & Business Centers
One platform for all vendors in a closed environment. Employers give internal spending credit. Employees, students, and staff use Wallet cards across on-site restaurants, coffee shops, gyms, parking, and services — plus partner e-shops and delivery apps online. No cash, no expense reports, no data leakage.
Six real scenarios
Whenever multiple businesses operate in one physical location with shared users, closed-loop payments make everyone's life better.
Business centers with multiple tenants
Office building with 20 companies. Each employer gives their employees monthly credit ($200/month) that can be spent at building cafeterias, coffee shops, dry cleaning, gym, meeting room bookings. Building owner runs the platform, tenants configure per-employee amounts.
University campuses
Students get meal accounts (funded by parents or campus stipends), spend at 15 dining locations, library print services, laundry, campus bookstore. All from one Wallet card. Parents can top up remotely. Campus admin has full oversight.
Corporate headquarters
Large tech HQ with 3 restaurants, 2 coffee shops, gym, dry cleaning, laundry service. Employer preloads $200-500/month per employee. Employees spend on food, wellness, personal services without expense reports.
Hospital and healthcare complexes
Hospital with 5,000 staff. Cafeterias, coffee shops, gift shop, parking. Staff get monthly meal credit + parking credit. Different rules per department. Full audit trail for HR and finance.
Industrial parks
Manufacturing site with 8 companies, 3,000 workers, shared cafeteria and services. Companies give workers subsidized meals. Workers use one card. Park operator manages the platform.
Coworking spaces
Coworking with cafe, restaurant, meeting rooms, printing. Members get monthly credit as part of membership. Guest passes work for 24 hours. Simple, no manual reimbursements.
Six problems in every closed environment
Cash is disappearing
Younger workforce carries no cash. Traditional cafeteria/vending models built around cash break down.
Cards create data leakage
When employees use personal or corporate credit cards, all data flows to Visa/Mastercard. Facility operator has no visibility.
Expense reports waste time
Small daily purchases (coffee, lunch, laundry) turn into expense reports. Hours of admin time for both employees and finance teams.
Multiple vendor billing is chaos
Different vendors on-site invoice separately. Reconciliation is painful. Small businesses can't afford POS integration each.
No employer control over spending
Employers can't easily set rules (meals only, no alcohol, weekdays only, max $15/day). Corporate cards are too broad.
Poor employee experience
Employees hate juggling receipts, expense reports, and personal cash for what should be simple perks.
Six capabilities that fix the closed environment
One Wallet card per user
Every employee, student, or member gets one card in Apple Wallet or Google Wallet. Multiple funding sources (employer credit, personal top-up, family top-up) all in one place.
All vendors on one platform
Cafeterias, coffee shops, dry cleaning, gym, parking — every vendor accepts the same wallet card. QR-based, works on any modern POS or mobile app.
Per-user rules and limits
Daily maximum ($25/day for meals), category restrictions (no alcohol), time windows (weekdays only), specific vendors (cafeteria only, not gift shop). All configurable per user.
Multi-funding architecture
Same card can carry: employer monthly credit + personal balance + guest allowance. Rules per source: employer credit meals-only, personal balance anywhere.
Real-time analytics for facility operator
Traffic patterns, popular vendors, peak times, vendor performance, employee usage. Data flows to facility operator, respecting employer privacy.
Simple vendor onboarding
New vendors join in a day. Existing POS works. No integration cost. Small businesses can participate — the platform lowers barriers.
Three operator models
Depending on your situation, different parties can run the platform.
Facility Operator
Building manager, campus administration, industrial park operator runs the platform. They onboard tenants, tenants onboard users.
Example
Business center management company operates the platform for 20 tenant companies.
Employer/Tenant
Individual company runs the platform for their employees. Manages employee list, credit amounts, spending rules directly.
Example
One large employer on a campus runs their own program while others don't participate.
Coalition
Multiple stakeholders (facility + major employers + vendors) form a coalition. Shared platform, coordinated rules.
Example
Business park cooperative where 5 major employers and 15 vendors share one program.
Real deployment example: Corporate HQ campus
Illustrative deployment showing scale, configuration, and outcomes.
Setup
- Facility
- Corporate headquarters with 3,000 employees across 4 buildings
- Vendors
- 5 restaurants, 3 coffee shops, 1 gym, dry cleaning service, mobile car wash, chair massage service
- Users
- 3,000 employees + ~200 daily visitors/contractors
Configuration
- Employer credit: $250/month per employee, refreshes 1st of each month
- Category rules: 60% meals, 20% coffee/snacks, 20% wellness services
- Personal top-up allowed: employees can add own money on top
- Visitor cards: 24-hour cards with $50 balance for contractors
- Weekday-only restriction on employer credit (weekends personal only)
Outcomes after 6 months
- 85% employee adoption in first month
- Zero cash handling on-site
- Vendors report 30% higher revenue vs. cash-only model
- HR eliminated $1,500/month in expense report processing
- Facility operator has real-time occupancy analytics
Illustrative numbers. Actual results vary by deployment.
Common questions from facility operators
How is this different from a standard corporate meal program?
Standard corporate meal programs (like Sodexo, Edenred) partner with external restaurants. Our platform is designed for closed environments — a building, campus, or park where the vendors are on-site. The employer controls the ecosystem more tightly. Rules and limits can be much more granular. Data ownership stays with the facility operator or employer, not a third party.
Who owns the funds — the employer, employee, or platform?
Employer preloads funds to the platform (essentially escrow with 7Konto). Individual employee balances are logical accounts within the employer's master account. If an employee leaves, remaining balance can be reclaimed by employer per your policy. If a business relationship changes, funds are returned within reasonable timeframe. No banking license involved — this is closed-loop stored value.
What if we have multiple employers on the same campus?
Perfect use case. Each employer has their own master account with their employees. Employees see one Wallet card but the platform tracks which funds came from which source. Vendors get paid from the correct employer's balance. Facility operator has master-level oversight.
Can employees add their own money to the card?
Yes. Personal top-ups are allowed by default (configurable). Employees can add money via credit card, bank transfer, or cash top-up stations. Personal funds have different rules than employer credit — typically fewer restrictions (can be used anywhere, anytime, on anything).
How do we handle guest/visitor access?
Guest cards with time-limited validity. Guest arrives, receives a QR code (SMS or printed), adds to wallet, uses during their visit. Card auto-expires at end of visit. Perfect for contractors, one-day visitors, event attendees.
What about vendor onboarding — is that complicated?
No, and this is a key advantage. Vendors don't need new POS terminals. Any modern terminal that can display QR codes works. For very small vendors (mobile car wash, food truck), we provide a simple mobile app. Vendors sign up in about a day. This is why the model scales — vendors don't face high entry barriers.
How does the platform handle privacy?
Employees' individual transactions are visible to them and the funding employer (not to other employers or the facility operator). Facility operators see aggregate data by vendor, day, time — not individual employee details. Vendors see their own transactions and settlement data. GDPR-compliant by design.
What if we have a small cafe or shop that doesn't want to invest in tech?
Perfect fit. They don't need to invest in tech. They install a free mobile app on any phone/tablet. Customer scans QR from wallet, cafe scans QR from customer's phone, transaction complete. No hardware cost, no monthly fee for the vendor. The platform costs go to the facility operator or employer.
Can this work for universities and student meal plans?
Yes. Universities are a natural fit. Students get meal accounts (funded by university, parents, or scholarships). Multiple dining locations on campus accept one card. Balance controls prevent overspending. Full audit trail for university administration. Different meal plans (unlimited, per-meal, per-week) all supported.
What about hospital and healthcare complexes?
Very common use case. Hospital staff often work long shifts and eat on-site. Cafeterias, coffee shops, gift shop, parking all accept staff cards. Different departments can have different credit amounts. HR gets clean reporting. Staff experience is dramatically better than manual cafeteria payment.
How long does deployment take for a campus with 20 vendors?
4-8 weeks depending on scale. Week 1-2: platform setup, employer configuration. Week 2-4: vendor onboarding (in waves). Week 4-6: employee onboarding, training. Week 6-8: go-live and monitoring. 7Konto handles most of the operational work during pilot.
What if a vendor leaves the campus?
They're removed from the vendor list. Cards stop being accepted at that vendor. No refunds needed unless there was pending balance. Simple. Same in reverse — new vendors join in a day. The platform is dynamic; the physical environment can change without operational disruption.
Discuss your closed environment
Every campus, business center, and industrial park is unique. Let's talk about your specific setup — vendors, employers, users, rules — and design a program that fits.
Direct contact: info@7konto.com · WhatsApp +421 919 026 670