Same balances — now online
A ready checkout widget for your site, or embedded straight into your PSP gateway as a payment method. Four one-click auth methods. Smart B2C vs B2B/B2E account routing. Same admin, same balance as your POS.
What's not working with current solutions
Custom online closed-loop requires per-merchant integration
Every merchant becomes a project. 6–12 months per rollout. Doesn't scale.
Customer identification is the hardest online problem
Without a physical card scan, how do you know which balance to charge? Custom logins kill conversion.
Most PSPs don't offer closed-loop natively
Merchants have to integrate two separate providers — one for cards, one for closed-loop. Double the work, double the fees.
The 7Konto approach for online & e-commerce
Customer picks Pay with 7Konto at checkout
Either through a widget on your site, or as a payment method inside your PSP gateway. Same 7Konto brand mark either way.
One-click authentication
Four options: Wallet card scan (same card used at POS), phone (SMS/Flash-call), email one-time code, or corporate ID for B2B/B2E users.
Smart account routing
Platform detects B2C (gift, personal prepaid, loyalty) or B2B/B2E (corporate credit, employee allowance) and applies the right balance, limits, and rules.
Instant confirmation
Balance charged, merchant gets success callback, customer sees the transaction in their Wallet. Full audit trail in the admin panel.
What you get
Purpose-built for online & e-commerce use cases. Configured to match your specific workflows.
Widget for merchant sites
One-line JavaScript embed. Customizable to your brand palette. Full mobile support.
PSP gateway embedding
Appears as a native payment method inside your existing checkout. Merchants change nothing on their sites.
Four auth methods
Wallet, phone (SMS/Flash-call), email, corporate ID. Choose which to enable per merchant or per program.
Smart account routing
B2C balances for consumers. B2B/B2E accounts for corporate credit lines and employee allowances. Automatic detection at checkout.
Same balance as offline
Whatever the customer accumulated via POS is spendable online. One ledger, one balance, one Wallet card.
Fraud prevention built in
Rate limiting, geo-controls, device fingerprinting, per-transaction limits, velocity checks.
Real-world applications
Specific ways businesses in this space use 7Konto today.
- Gift cards redeemable online and in-store from a single balance
- Corporate employee allowances (meals, fuel, wellness) usable at partner e-shops
- Loyalty balance spent online alongside offline redemption
- Aid disbursement to specific online merchants (MCC-locked, merchant whitelist)
- Campus/closed-territory online ordering (canteen deliveries, campus e-shops)
- B2B credit lines paid via PSP checkout — same terms as at POS
Common questions from online & e-commerce businesses
How do we add "Pay with 7Konto" to our checkout?
Two options: (1) Standalone widget — a one-line JavaScript embed you add to your checkout page. (2) PSP embedding — if your payment gateway has integrated 7Konto, "Pay with 7Konto" appears automatically alongside cards and wallets in your existing gateway checkout, with zero code changes on your side.
What if we don't have a PSP that has integrated 7Konto?
You can still use the widget path (JavaScript embed on your checkout). We can also work with your PSP to add 7Konto as a payment method — most PSPs are willing to integrate when a merchant asks. Contact us and we can facilitate that conversation.
How does the online widget authenticate customers?
Four one-click methods: (1) Wallet card scan — the same card the customer uses at POS. (2) Phone — SMS one-time code or Flash-call verification. (3) Email — one-time code. (4) Corporate ID — for B2B/B2E users, no consumer signup. You can enable all four or restrict to specific methods.
Can customers use the same balance online and at our POS?
Yes. That's the point. One Wallet card, one balance, one ledger. A customer earns or gets loaded via any channel (in-store gift card, corporate allowance, aid disbursement) and can spend at POS or online. Same admin panel shows all transactions across both.
How do we handle B2C vs B2B/B2E customers?
Smart account detection at checkout. The platform routes customers to the right account type automatically based on how they authenticate: consumers get their personal balance (gift, prepaid, loyalty), corporate users get their employer's account (corporate credit, meal allowance, fuel line). Same widget, different routing.
Is the online flow secure?
The widget doesn't handle card data — it handles closed-loop balance transfers, which is a different regulatory regime than open-loop card processing. All communication encrypted, GDPR-compliant, EU data centers by default. Rate limiting, geo-controls, device fingerprinting, and per-transaction limits built in.
Other industry solutions
Similar problems, different industries.
Gift Cards for Retail Chains
Launch a digital gift card program without building an app. Sell online or in-store. Delivered to customer wallets in seconds.
Restaurants & HORECA
Digital gift cards and prepaid meal balances for restaurants, cafes, and hospitality. Faster checkout, higher repeat visits, no customer app.
Hotels & Hospitality
Guest room account payments, digital hotel gift cards, and multi-property loyalty programs. Works with existing PMS integration.
Ready to launch online & e-commerce on 7Konto?
Free 30-day pilot with full setup and training. We configure everything for your specific business. No credit card required.