Bank transfers, cash payments, and cross-border transactions

Bank transfers, cash payments, and cross-border transactions

Local and cross-border digital transactions for a global market
A payment system affiliated to the largest banking network, allowing near-instant, secure transactions across national borders. Localized for language and currency. No cash, credit cards or personally identifying information.

Connecting merchants to consumers, businesses to businesses

A payments layer for online shopping used by Adidas, Reebok and Uber. Consumers can purchase in their own currencies without risking personal or financial information. Businesses can transact rapidly, securely and inexpensively.

Delivered to the client as a multi-component system with integrations including APIs for banks, databases and tertiary services, SAP integration, and a web app for payment management and control.

Introducing e-Payment system

The system does not require any personal or financial data to function, providing protection against identity theft, chargeback and fraud.
Local and cross-border transactions icon
Local and cross-border transactions
Language localization to 20+ countries and growing.
Transact locally or cross-border the same way, with no fees or delays.
Global multicurrency settlement icon
Global multicurrency settlement
Payer pays in their currency. Payee receives payment in their currency. Automatic currency conversion.
No fraud or chargeback risk icon
No fraud or chargeback risk
The system does not require any personal or financial data to function, providing protection against identity theft, chargeback and fraud.
Real-time payment confirmation icon
Real-time payment confirmation
Payment confirmation in real time, as required by industries with time-sensitive inventory allocation. No administrative delays.

Used by:

Transactions icon
1.2 million
monthly transactions
Response time icon
response time
Mail icon
1 million
emails & SMS monthly
Bank icon
Cash icon
cash collection points
Globe icon

Integrated with:

MoneyGram icon
Western Union icon
Western Union
ACH-PSE icon
PPRO Girogate icon
PPRO Girogate
La Caixa icon
La Caixa
PuntoXpress icon
Funds are securely settled, and the technology platform guarantees scalability, reliability, efficiency and security.

Payment challenges: insecure, inconvenient, expensive and slow

The payments space typically offers users unintegrated tools that require sensitive information to function, charge high fees and take too long to process transactions. The space suffers from:
Poor user experience
Clunky interfaces, confusing terms and conditions, low customer satisfaction.
Cash and FX management issues
Hard to use, with opaque rules and all risk borne by the user.
Move money manually between tools, waiting for confirmation and entering information and passwords.
Poorly-architected payment systems crash, glitch or refuse transactions, eroding trust and forcing use of multiple systems.
Security deficits
Fintech is the fastest-growing cybercrime target. Many payments tools lack adequate basic safeguards.
Privacy is forgotten
Data use policies are unclear. Data is shared with third parties, sold or stored unprotected.
High costs
Pay for each transaction. Pay for membership. Fees are high, complex and inescapable.
Will your customers and suppliers use the same payment network? Yes — if it’s scalable as well as effective.
There was a clear market need for a payments product that was the opposite: easy to use, low-cost, rapid and secure.

Creating e-Payment system

e-Payment system solves the major problems with the space, delivering a seamless, intuitive experience that’s consumer-friendly and backed by a suite of communication, security and privacy features that support business use.
Team icon
Lightpoint built e-Payment system with:
1 Fullstack Team Lead, 7 Fullstack Developers, 1 Front-end Dev, 1 Automation QA, 4 QA


ASP.NET (WebForms, WebAPI, MVC, Core), Identity Server Core, OAuth2, SOAP Web Services, Windows services, SignalR, Redis, Quartz, Topshelf, TCP sockets, Dapper, Entity Framework, IoC (Autofac, Simple Injector), SSRS, SSIS


MS SQL Server


Knockout, Angular


Payment system delivered to client as multi-component, multi-integration tool including web app and APIs for banks, databases and third-party services. Currency conversions, commission calculations and account payments to customers are included and the product is integrated with SAP, allowing for automated workflows that reduce human labor and potential error.

Users can:

  • Receive bank transfers
  • Collect cash payments
  • Enable other non-card local payment methods
  • Receive real-time confirmation
  • Achieve reconciliation
  • 0% fraud or chargebacks
  • Access e-Payment system with a single integration
  • Get access to the e-Payment system Payment Network with a single integration

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