The power of digital ‘pay as you wish’ customer experiences

We are your trusted partner in transforming the banking and retail landscape through our cutting-edge digital payment solutions. With a relentless dedication to innovation and a deep understanding of the financial industry, we empower banks, financial institutions, and retailers to embrace the digital revolution with confidence. Our tailored solutions are designed to seamlessly integrate into existing banking systems, providing a secure, efficient, and user-friendly experience for both customers and institutions. By leveraging our comprehensive NOVAPAY platform, we enable institutions to offer diverse payment options, enhance customer engagement, and streamline financial operations. Your success is our priority, and together, we are shaping the future of digital payments.

NOVAPAY provides an payment eco-system from touch-points to payments processing and operations connecting customers, merchants, banks and fintechs.


We offer a range of consulting services to Banks, Financial institutions and Retailers seeking to enhance their payment processing capabilities, improve customer experiences, and stay competitive in the rapidly evolving digital payments landscape. We consult on Payment Ecosystems, Payment Innovation, Transaction Processing, Technology Assessment, Compliance, Security and Fraud prevention.

Cards & POS

We offer card issuing as a service and empower acquiring channels with point-of-sale (POS) solutions enhancing the payment experience for businesses and consumers alike. These include Payment Processing for merchants, Payment Cards (Prepaid, Virtual and Cobranded cards), Mobile Wallet Integration and Contactless and NFC Payments. We develop customized card and POS solutions tailored to the unique needs and branding of businesses.

Digital wallets

Our digital wallets benefit banks and retailers by providing secure, convenient, and cost-effective payment methods that can enhance customer engagement, increase sales and loyalty, and reduce operational expenses. We enable contactless payments by integrating NFC and QR Code technology into our digital wallet apps, allowing users to make payments by tapping their devices at point-of-sale (POS) terminals. Our custom wallet includes features such as P2P fund transfers, bill payments, digital authentication, and financial management to name a few.


Our Switching and Transaction processing solution encompasses the entire lifecycle of payment, from initiation to settlement, and includes verification, authorisation, and reconciliation. Our Transaction processing solution for digital payments is designed to be fast, secure, and reliable. We've adopted advanced technologies like tokenization, biometrics, and artificial intelligence. These have further improved the efficiency and security of digital payment transactions, making them an integral part of modern commerce and financial activities.

Fraud prevention

We employ a range of fraud prevention services and technologies, which are designed to protect both businesses and consumers from various types of fraudulent activities. These include Real-time Transaction monitoring and identity verification solutions, KYC, including biometric authentication (e.g., fingerprint, facial recognition), to ensure that the person making a transaction is the legitimate account holder. We also offer Multi-Factor Authentication solutions, requiring users to provide multiple forms of authentication, such as a password, a one-time PIN, or a fingerprint scan, to verify their identity before completing a transaction. These services are essential not only for safeguarding financial transactions but also for building trust and confidence.

Our Payments Platform is
PCI DSS Compliant