Supported Payment Technology






Merchant Payments

Micropayments made easier than cash

Mobile Payments


Cash is the predominant means of transactions in the emerging economies and this presents a tremendous business opportunity for the Financial Institutions. A large number of small to medium merchants do not accept digital forms of payments as the cost of terminals is high, the fees payable are high and the time to settlement is also high. With the right go to market plan Financial Institutions can build a large merchant network which will allow them to tap into the cash transactions. Xip’s portability, affordability and ruggedness can enable you to deploy a cost-effective merchant payment infrastructure across the country covering a variety of merchants ranging from the street hawkers to restaurants to fuel stations to supermarkets.

  • Scalable, Secure and affordable
  • Variety of merchants – Small to Large
  • Quick, Easy, Secure and convenient way to pay

Cash In-Cash Out

Faster & Simpler transactions by upgrading your agent infrastructure to NFC


Cash In-Cash Out is one of the most popular services which mobile consumers across more than 90 countries today use daily. The current process largely relies on USSD technology and is tedious, time consuming and prone to error. By deploying Xip the entire process gets simplified to a single Tap using a NFC card or sticker or a NFC phone.

  • Reduces the large number of key strokes to a single tap
  • Faster and Reliable service
  • Merchants can service a larger number of customers

Parking/Toll Ticketing

Replace traditional cash-based parking collections with modern and efficient NFC Tap & Pay system


Despite Mobile Money being used by more than 670 Million users across 90 countries, Parking fee collections continue to be in cash. By implementing Xip the mobile operator can now enable parking fee collections through its mobile money service solving issues such as no change, cash management for both the collector and consumer, security for the collector. The Xip Terminals can also be integrated with Parking barriers and parking collection systems to provide for automatic fare calculation and easy tap and enter/exit.

  • Automated Parking Fee collection
  • Integration with Parking Fee collection systems
  • Use Mobile Money to pay and enter/exit

Micro Credit / Small Loans

Extending Micro Credit/Small loans to the existing consumer base


With Xip, Mobile operators now have access to the spend and earning related data for Merchants and Consumers. Based on the user profiles and the transaction history, mobile operators can extend micro credits/small loans to its user base. This will not only help the mobile operator in expanding its services significantly, but also generate a loyal customer base resulting in a lower churn.

  • Access to transaction history enables building a credit profile
  • Can be integrated with credit rating platforms
  • Generate Loyalty and reduce churn

Bill Payments

Convenience of paying your bills at a neighborhood agent


Bill payments for consumers means long queues and lost time whereas for companies face challenges in timely collection, cash management, queue management and pilferage. With Xip Mobile operators can simplify and reduce the entire process of Bill payment to a simple Tap at the nearest agent/merchant. The consumer just taps with his NFC Tag and the amount is transferred from his/her mobile money account to the Company mobile money account.

  • Easy integration with Bill Payment systems
  • Simple and intuitive user interface on Xip Terminals
  • Increased and timely Bill collection

Airtime Recharge

Secure, Fast, Error Free Top up


Airtime recharge today exceeds more than 8 Billion transactions globally. However, in many of the emerging markets where recharge is provided through USSD, vouchers or scratch cards it continues to be error prone, cumbersome and time consuming. The Xip solution allows any airtime recharge service provider to upgrade the existing agent infrastructure to offer a fast, convenient and error free ‘Tap & Recharge’ service. Further as the NFC card is linked to the users mobile number there is no need to provide the mobile number to the recharge service provider thus ensuring safety and privacy to the person buying airtime.

  • Fast, secure and error free
  • Merchant/agent can handle a larger number of requests
  • Enhances user experience, increases customer loyalty and mobile operators brand visibility

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