Non-banking payments — on the rails you already own

We integrate with your gateway once, and every merchant on your platform gets "Pay with 7Konto" as a native payment method alongside cards, wallets, and other options. Merchants change nothing on their sites. Smart account detection routes customers between B2C balances (gift, personal prepaid, loyalty) and B2B/B2E accounts (corporate credit, employee allowance).

It depends on the path. (1) PSP checkout embedding: no merchant changes at all — "Pay with 7Konto" auto-appears in your existing gateway checkout. (2) Standalone widget: merchants add a one-line JavaScript snippet. (3) API path: your engineering team builds custom UI on our API. Most partners start with PSP embedding for the fastest rollout across their base.

Four one-click methods: (1) Wallet card — the same one used at POS, one scan. (2) Phone — SMS code or instant Flash-call. (3) Email — one-time code. (4) Corporate ID — for B2B/B2E users, no consumer signup. The widget auto-selects the appropriate method based on account type and merchant configuration.

Smart account detection at checkout. When a customer authenticates, the platform identifies whether they hold a personal balance (gift card, prepaid, loyalty) or a corporate/employee account (fuel card, meal allowance, benefit line). The right rules, limits, and merchant restrictions apply automatically. Same widget, different account routing.

No. Closed-loop payments are a parallel product line — different from card processing. You continue earning acquiring fees on Visa/Mastercard transactions. 7Konto adds a new revenue stream on transactions that would otherwise not fit your card business (gift cards, employee allowances, restricted-use aid, B2B2E). You expand the addressable pie, not cannibalize it.

100% of closed-loop transaction data stays with you and the merchant. Nothing routes through Visa or Mastercard for closed-loop transactions. 0% interchange fees. Full attribution: who spent what, where, when — across POS and online in one dataset. This is the closed-loop dividend: the same economics Starbucks captured with their custom app, delivered through your existing acquiring perimeter.

You get a percentage of every transaction fee generated by merchants in your portfolio — both physical POS and online checkout. Percentages vary based on volume, merchant category, and deployment model. We share transparent reporting so you can see exactly what you're earning. Specific terms are discussed during partnership calls.

Yes. Full white-label options are available. Custom domain (e.g., loyalty.yourbank.com), your logo and colors on the admin panel and Wallet cards, and your brand on merchant-facing materials. Merchants and their customers see your brand, not 7konto.

We support all major terminal vendors: PAX, Verifone, Ingenico, and others. For deep integrations, we provide a Terminal SDK. For lighter integrations, our QR code flow works on any terminal that can display QR codes on screen — which is most modern terminals.

Six to eight weeks to pilot end-to-end. Week 1 discovery, weeks 2–4 integration (API + Terminal SDK + Checkout Widget + optional PSP embedding), weeks 4–6 pilot with 5–10 merchants across POS and online. Our engineering team works directly with yours. Sandbox environments provided.

Multiple options: (1) You onboard merchants using our admin tools, (2) We onboard merchants on your behalf as a white-label service, or (3) Merchants self-service through your branded portal. We provide bulk import, CSV templates, and support workflows for all approaches.

No. 7Konto is closed-loop payments and stored value — a different product category than traditional loyalty points programs. If you have a loyalty product, we complement it. If you don't, we fill a gap in your portfolio without cannibalizing existing services.

A 4-6 week pilot with 5-10 merchants from your portfolio, across POS and online. During the pilot, we handle merchant onboarding, staff training, and support at no cost to you or the merchants. Success is measured against pre-agreed KPIs: card issuance, transaction volume, merchant adoption. If the pilot succeeds, we discuss rollout terms. If not, we archive the data and there's nothing to pay.

GDPR-compliant data handling. Merchants own their customer data. You get aggregated reporting for your portfolio. We act as a data processor under contract. Data is stored in EU data centers by default (other regions available). No data sharing between merchants, and no data resale.

GDPR-compliant by design. We operate under PSD2 closed-loop exemption in the EU (which means we're not a licensed EMI — we facilitate closed-loop transactions that don't require full banking authorization). For partners requiring specific certifications for their jurisdictions, we can discuss custom compliance arrangements.

Yes. REST API + webhooks give you programmatic access to every part of the platform. Common integrations: your merchant CRM (to sync merchant records), your customer database (to enrich profiles), your reporting system (to feed dashboards), your billing platform (to charge merchants).