Omnichannel
Payments
Customers move between payment channels and methods without thinking about it, nor should they have to. Today’s consumers expect payment to feel as invisible and effortless as every other part of their digital lives.
Whether they tap into the metro with their phone and tap out with their card, the system should still know they’re the same traveller—no penalty fares, no fragmented travel history. If they visit a friend at their university and grab a coffee, or visit a client for lunch in their office cafeteria, they should be able to easily pay as a visitor with their credit card, while their friend or client should instantly be recognised as a student or employee, having their discount seamlessly.
Modernising Payments with Our Omnichannel Solutions
At XPP we believe this is the future of payments, and XPP’s omnichannel and hybrid-loop payment solutions make it possible. Our solutions power payments for industries where convenience and flexibility are non-negotiable:
Public Transport
Making passenger recognition consistent across all sales channels, payment devices and operators.
Semi-Public Spaces
Designed for universities, libraries, and corporate campuses, blending universal access for visitors with personalised pricing for students and staff.
Fragmented Payment Experiences
Across industries, outdated systems fail to meet modern consumer expectations:
Public Transport
Passengers often face issues such as penalty fares, or incomplete travel histories because siloed payment systems fail to recognise them as the same traveller when they purchase their right to travel with different payment devices, or at various sales channels, including contactless EMV ticketing, e-commerce, mobile apps, and vending ticketing machines. Meanwhile these same systems cause operational inefficiencies.
Semi-Public Spaces
Semi-public environments have both regular customers, including students, staff, or members, and occasional visitors. They need a solution that meets the needs of both their customer segments. One that enables them to reward their regular customers with personalised payment experiences and provide universal access to their occasional visitors.
Omnichannel Payments
We believe that modernising payments isn’t one-size-fits-all. Each industry and customer has its own pain points. Our omnichannel and hybrid-loop payment solution addresses these different market needs:
Public Transport: Vayapay
An omnichannel payment service that modernises fare collection in public transport by unifying all transit payments—contactless EMV, online, in-app, vending, and in-store—into one centralised view. Enabling public transport operators to recognise passengers as the same traveller across devices and networks, while also improving their risk management, revenue protection, and operational efficiency.
Semi-Public Spaces: KUARIO
A hybrid payment solution that takes care of clearing and settlement for you. It blends universal access for visitors through open-loop payments, with personalised pricing for students, staff, and members via closed-loop payments at unattended services and cafeterias. Regular customers receive automatic discounts, visitors can pay with any method, and administrators benefit from no longer needing to process transactions, as well as usage insights and analytics.
