Personalised
payments
Imagine a world where every payment transaction feels like it was created with you in mind. You walk into a café and your employee discount is automatically applied. You step onto a metro, and the system instantly recognises you as a commuter, capping your fare for the day without requiring you to show your ID or enter a code—the system simply knows who you are and what benefits you deserve.
This is the promise of personalised payments: frictionless, intelligent systems that adapt to each customer, making every interaction effortless and rewarding.
The Problem
One-Size-Fits-All Transactions Don't Work
Traditional payment systems treat everyone the same, creating friction and frustration.
Public Transport
Passengers expect to be recognised as the same traveller across channels and operators, no matter how they pay. Too often, they aren’t—leading to penalty fares and incomplete travel histories.
Semi-Public Spaces (such as universities, libraries, and corporate campuses)
To ensure staff, students, and members don’t miss out on discounts and free goods—and to spare administrators from juggling multiple systems—organisations need to easily distinguish between loyal members and occasional visitors.
Customers want tailored recognition and seamless benefits. Providers need a way to deliver without added complexity.
The Solution
Personalised Payments
At XPP, we believe payments should adapt to people, not the other way around. Our personalised payment solutions use two core capabilities:
Privileges & Individual Discounts
Smarter payments solutions enable you to create user groups for different customer segments, such as students, staff, and members, and set special pricing, like special access or discounts, for each individual group.
Vayapay Traveller Profile
Vayapay lets public transit operators create anonymous traveller profiles, which allows them to flow freely between payment methods while recognising the same traveller.
The result: Every payment is intuitive, consistent, and perfectly tailored to the individual.
Industries We Modernise with Personalised Payments
Public Transport
Vayapay enables public transport operators to provide their passengers with a personalised and frictionless payment experience by recognising passengers as the same traveller across all sales channels, regions, and operators, regardless of the payment methods used.
Semi-Public Spaces
From libraries to offices to universities, KUARIO blends universal access with personalised benefits. A student, staff member, or employee receives their discounts automatically, while visitors pay with any method at standard rates—all within one infrastructure.
The Future of Payments
Personalised payments strengthen customer relationships by turning every transaction into a moment of recognition and value. By making payments seamless, tailored, and consistent, organisations not only reduce friction but also foster lasting loyalty—building trust through experiences that feel designed for each individual.
