Payment processing system connecting payment providers, customers and merchants; enabling payments from Internet, mobile devices, cards, virtual currencies, loyalty programs, vouchers and more. Customer credit can be managed on a virtual account and settled automatically from customer's bank account (Direct Debit, iDeal) or by customer with credit card or voucher deposits. Payment provider, customers and merchants have separate web portals to access the system. All portals are white-labeled so multiple virtual payment providers are allowed. Merchant funds are subject to billing (flexible per number and type of transactions), charging debit interest, and payouts to merchant's bank account. Banking systems integration includes Direct Debit (ClieOp 03, VERWINFO A), Bank Statements (SWIFT MT 940 - 942), iDeal and Credit Card payments through third party gateways. 

In production: 2 years. Place of implementations: The Netherlands