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 smartphone and tap out with their debt card, the system 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 can easily pay as a visitor with their credit card, while their friend or client is instantly 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 our 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 (such as universities, libraries, and corporate campuses):
Blending universal access for visitors with personalised pricing for students and staff.
The Problem
Fragmented Payment Experience
Across industries, outdated systems fail to meet modern consumer expectations.
Public Transport
Passengers often face payment issues, such as penalty fares or incomplete travel histories, because siloed payment systems fail to recognise them as the same traveller when they purchase tickets using different payment devices, or through other channels, including contactless EMV ticketing, e-commerce, mobile apps, and vending ticketing machines. Meanwhile these same systems cause operational inefficiencies.
Semi-Public Spaces (such as universities, libraries, and corporate campuses):
Semi-public environments have regular customers, such as students, staff, and members, as well as visitors. They need a paymnent solution that meets the needs of both customer segments—one that enables rewards for returning customers with personalised payment experiences while providing universal access to occasional visitors.
The Solution
Omnichannel Payments
XPP believes 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 various market needs.
Public Transport: Vayapay
Vayapay is 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. This is done by 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
Kuario is 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, and visitors can pay with any payment method. Administrators benefit from no longer needing to process transactions while gaining usage insights and analytics.
The Future of Payments
The future of payments is about creating seamless experiences. As people use more payment devices and move across different networks, transit systems and semi-public spaces need solutions that recognise users everywhere, and give them the flexibility to pay how they prefer. XPP’s omnichannel and hybrid-loop solutions do exactly that, making travel and daily transactions simpler for customers while helping organisations run more efficiently.
