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.