YOUR PAYMENT SOLUTION FOR UNATTENDED SERVICES AND POS
That handles the full payment process for you, from acceptance to clearing and settlement, in one contract.
KUARIO is an intuitive digital payment solution that enables personalised payments and universal access for all of your customers—students, staff, members, and even visitors. This ensures that everyone automatically receives the right pricing and privileges every time.
The Hybrid Pay Terminal
The KUARIO HybridPay Terminal combines the power of open-loop and closed-loop payments in one device, meeting the needs of regular customers and occasional visitors alike. Customers can pay with their preferred methods, including credit/debt cards, mobile wallets, QR codes, campus cards, and staff IDs.
Benefits of hybrid-loop payment systems include:
• Personalised payments with customised pricing and privileges
• Compact and durable terminals
• Secure data management
• Seamless integration with vending machines, kiosks, and self-service machines
• Sleek countertop option for use at cash registers
The KUARIO App
The KUARIO App is an easy way to manage transactions. Users can quickly:
• Make payments
• Check their balanceInstantly top-up their digital wallet
• Review their transaction history, and more
• The app is available in multiple languages and currencies.
• It’s free for both Android and iOS (Apple) and, when linked to a student or employee card, it offers maximum payment flexibility.
• Sleek countertop option for use at cash registers
The Management Dashboard
KUARIO’s user-friendly dashboard empowers operators to seamlessly monitor and manage unattended services and POS transactions. From real-time usage tracking to detailed transaction monitoring, adding products, and setting prices, it provides effortless scalability across multiple locations. With easy access to actionable data, operators can streamline operations, save time, and reduce costs.
The MFP Kiosk
KUARIO MFP Kiosk is an embedded software application that is a complete self-service station with flexible payment options perfect for semi-public spaces, such as post offices, higher education facilities, and corporate offices. Users can quickly print, copy, scan, and pay at the KUARIO MFP Kiosk, while staff benefit from easy device management and automated payment processing.
Where can KUARIO be used?
Cafeterias & Canteens
Coffee & Vending Machines
Parking
Printing
Laundry
Lockers
Who is KUARIO for?
Higher Education
Corporate Offices
Unattended Services
Libraries
Who is it for?
Learn more about how KUARIO can help you solve your specific challenges by selecting your industry.
Modern Payments for Higher Education
KUARIO is an efficient and easy-to-use open- and closed-loop payment solution that handles all payment processing for you while providing tools to create personalised payment experience for your students.
Effortless Printing in Libraries
KUARIO is a printing and payment platform that transforms standard multi-functional printers into self-service stations, making library printing effortless. Visitors can print, copy, scan, and pay from their own devices in minutes—without any account registration. Reducing print support queries, and allowing staff to provide more personalized assistance where it matters most.
Simplifying Transactions in Corporate Offices
Payments shouldn’t distract you from what matters most – your people and your business. With KUARIO, you combine open- and closed-loop payments in one solution, let us handle clearing and settlement under a single contract, and gain the tools to deliver personalised payment experiences that strengthen employee engagement.
FAQs
Closed-loop payment systems are cloud-based platforms for schools, offices, universities, and shared environments. Users load funds into a Kuario digital wallet and pay seamlessly for services like printing, vending, catering, laundry, or parking—all within the same network. Since payments stay inside the operator’s system, KUARIO makes transactions fast, secure, and cost-efficient, while giving operators full control over pricing, reporting, and loyalty programs. For users, it’s a simple, cashless way to pay across multiple services with one account.
An open-loop payment is a transaction made through a widely accepted payment network, such as Visa or Mastercard. It allows customers to pay using bank-issued cards or digital wallets (like Apple Pay or Google Pay) that are connected to their own financial institution, rather than a specific merchant or operator.
A hybrid payment system is a flexible payment solution that combines the advantages of closed-loop wallets with the universal reach of open-loop cards (e.g.,Visa, Mastercard, and AMEX) or mobile wallets (e.g., Apple Pay and Google Pay). This hybrid payments approach gives you full control over pricing, discounts, and loyalty programmes.
A hybrid-loop payment system gives operators the flexibility to serve every type of user while simplifying day-to-day operations. It blends the universal accessibility of open-loop payments with the control and customisation of closed-loop systems. This approach ensures that visitors can pay effortlessly with their preferred contactless card or wallet, while registered users receive tailored benefits, such as discounts or loyalty rewards. It can also help reduce transaction costs by routing payments efficiently and unifying multiple payment paths into one streamlined process. The result is a seamless tap-and-go experience across vending, printing, and POS interactions, supported by a single platform that simplifies settlement, reporting, and management for all payment types.
Yes. KUARIO is fully authorised to provide financial services across the European Economic Area (EEA), the United Kingdom, and Switzerland, ensuring compliance, reliability, and trust.
Yes. The HybridPay (HPT25) terminal requires a live connection to the KUARIO platform to process transactions, apply discounts, and maintain real-time functionality. This ensures secure, accurate, and up-to-date service delivery.
At first glance, it may seem so, but hidden costs like banking fees, reconciliation efforts, and transaction line management quickly add up. KUARIO offers a transparent and competitive pricing model, eliminating surprises and saving you time and money.
KUARIO handles refunds automatically, returning funds to the original payment method. This ensures users never lose out, and it avoids negative shopping experiences while saving merchants valuable time and administrative effort.
KUARIO offers a transparent and competitive pricing model, helping you avoid hidden costs and gain full clarity. Please contact us to learn more.
Yes. KUARIO enables personalised discounts even on open-loop transactions when users add their credit or debit card details into their KUARIO APP account.
Yes. KUARIO provides a unified portal for remote management, monitoring, pricing, and reporting, giving you full control and insight across all unattended services.
