The payment solution
FOR CORPORATE OFFICES

Payments shouldn’t distract you from what matters most – your people and your business. KUARIO combines open- and closed-loop payments in one device, handles clearing and settlement for you, under a single contract, and enables you to deliver personalised payment experiences that strengthen employee loyalty and engagement.

Why Choose KUARIO?

KUARIO unites the strengths of both open- and closed-loop payments, while taking the burden of financial operations off your team by clearing and settling transactions for you.

KUARIO
Open-Loop
Payment Solutions
Closed-Loop
Payment Solutions
Closed-Loop Payments
Open-Loop Payments
Handles Clearing & Settlement
Accepts all Payment Methods
(Employee Cards, Credit or Debit Cards, Apple Pay and Google Pay)
Personalised Pricing for User Groups
like Employees and Guests
Fast, Secure and Reliable Transactions (even offline)
Only One Contract
Automated Refund Process

How does it work?

KUARIO combines open- and closed-loop payments in one device. It gives your employees access to personalised pricing and benefits, while also providing visitors with universal access.

Employee pays using the KUARIO App or their employee card.
Employee is identified as an employee, and the set employee price is charged.
KUARIO processes the transaction for you and pays the merchants.
The employee or visitor pays with their credit or debit card, Apple Pay or Google Pay.
Open-loop payments are charged at the regular price.
KUARIO processes the transaction for you and pays the merchants.

The KUARIO Advantage

Payment Method Flexibility

With KUARIO, you don’t need to choose between accessibility and personalisation.

Enable employees, visitors, and partners to pay using their preferred method

Offer payroll deduction, digital wallets, or contactless cards with ease

Ensure universal access for guests while recognising and rewarding employees

Personalised Payment Experiences

With KUARIO you gain the ability to transform payments into a tool for engagement, to strengthen loyalty, and simplify cost allocation through tailored payment experiences. 

Segment your users into groups (e.g. employees, contractors, departments)

Define tailored pricing, discounts, or subsidies for each group

Allocate spend directly to cost centres for transparent reporting

Similifying Financial Operations

KUARIO removes the complexity of managing multiple financial contracts, reconciliation processes, and compliance risks.

A single point of responsibility for all payments, clearing, and settlement

Full PSD2, GDPR, and ISO 27001 compliance built in

ERP-level data on sales and telemetry for full transparency

KUARIO Integrates Seamlessly with your existing infrastructure:

POS & Catering Solutions

ERP & HR/ Payroll Systems

Vending & Coffee Machines

Access Control & Employee ID Systems

What is KUARIO?

Enterprise-Wide Applications

You can apply KUARIO across your organisation wherever payments happen:

Employee Mobility

Charging, Parking, Shared Transport

Office Amenities

Printing, Lockers & Laundry

Staff Catering & Canteens

Office Vending & Coffee Machines

Ready to Modernise

Your Payments?

Let's Talk

Contact us today to learn how XPP can empower your business.

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