About
paySmart
Founded in 2004, paySmart is the leading provider of technology for secure electronic payments for credit, debit and benefit regional brands.
Specialist in the entire EMV (Europay, MasterCard, Visa) payment ecosystem, paySmart® makes it easy for issuers to provide their customers secure payments with contact and contactless cards, wristbands and cell phones (with QR Codes, OTP and NFC).
From card issuance and cell phone provisioning to transaction validation, through key management, data preparation and card and cell phone applications, paySmart® is present in the life of tens of millions people, serving important customers in 6 countries.
+ than 27 millions
Of devices (between physical cards, wristbands and cell phones) with paySmart® technology
Our
Solutions
Omni-channel
At paySmart®, we believe in the omni-channel concept, that means that payment must happen in all channels and that multiple payment methods – including cards, cell phones, wristbands, cash and crypto-coins – will coexist. We believe that it is not the Issuer’s duty to impose a preferred mechanism for its clients but to empower them with multiple paying ways.
APIs as a service
Instead of requiring the Issuer to acquire hardware devices, software licenses and operate systems by its own, with the paySmart® model, the customer does not have to get anything; just connect and use simple APIs to perform different services. Always with a low cost – thanks to an efficient operation and a highly scalable model – and type A support.
PAYSMART® LIGHTWEIGHT PROCESSING PLATFORM
Our paySmart lightweight processing platform integrates easily into your processes without changing your structure. We simplify the processing of payment methods safely and in the time that your company needs.
PAYSMART® BIN SPONSOR
All processes associated with issuing cards and creating payment accounts are managed by the paySmart® BIN Sponsor solution, easy and without bureaucracy. Our platform is flexible and easy to connect to your business. Taking care of all the interface with the flag, processor, personalization bureaux and Central Bank, paySmart helps your business to be connected to the payment ecosystem.
PAYSMART® WHITE LABEL APP – DIGITAL ACCOUNT
Don’t have your digital account app yet? Our White Label app was created for Issuers to customize the app with their brand, their colors and their identity. All without complications, without bureaucracy.
PAYSMART® CAPTURE
Get payments from any brand (including benefits cards issuers – meal, food, gas or transportation) without needing POS terminals, paying for machines rent, and very safe and quick. Just using your cell phone!
PAYSMART® EMV™ AS A SERVICE (EAAS)
All processes associated with card issuance (including contactless) and authorization of EMV transactions are managed by the paySmart EMVaaS solution in an fast and secure way. This solution includes key management, card application, data preparation, interface with personalization and transaction authorization – all delivered as a service.
PAYSMART® TOKEN SERVICE PROVIDER (TSP)
Service for managing, generating and validating tokens used in different types of electronic payments, including e-commerce (virtual cards and system tokens) and payments with NFC mobile phones. It can be used with the paySmart® Mobile Token Vault (mTV), a software library that adds QR Code or NFC payment functions to the Issuer’s mobile applications.
PAYSMART® PIN PROTECTION SERVICE (PPS)
Secure password creation, storage, and validation processes are often neglected by costs considerations and made exclusively in software (with all the risks of this approach). With paySmart’s PPS service, Issuers can securely generate, validate and translate passwords within Hardware Security Module (HSM) devices using a simple API.
DISTRIBUTED ISSUANCE AND INSTANT ISSUANCE
With low-cost printers and an exclusive software technology that prevents card duplication attacks in personalization environments, it is possible to set up a distributed personalization mini-bureau and to have faster card issuance or also to perform Instant Card Issuance on shops or bank branches. This eliminates delivery time and card shipping costs, accelerating activation and improving the customer experience.
Why
Are we Different?
SIMPLICIDADE
SEGURANÇA
SEM INVESTIMENTOS
EXPERIÊNCIA
CONFIABILIDADE
SIMPLICITY
paySmart® is, first of all, very simple. We interpret your embossing file format and take care of everything else.
SECURITY
EMV, the standard created by Europay, MasterCard and Visa and now used worldwide by thousands of issuers, is the state of the art of electronic payments technology, present in more than 3.3 billion cards and more than 24 million terminals.
ZERO INVESTMENT
with paySmart® you do not have to invest, even a penny, in hardware and software. All hardware and software is already running and you only pay for what you use – a fixed monthly fee for active cards.
EXPERIENCE
paySmart® has been working with EMV since the early versions of the specification and has years of experience with all parts of the EMV ecosystem – data preparation, card, terminal, authorizer and acquiring.
RELIABILITY
paySmart® is proven technology, operating in very important clients in Brazil and abroad. There are more than 27 million cards operating, most of them trading in the main capture networks of Brazil.
Main benefits of being
paySmart client
PaySmart solutions were created according to our customers needs.
Our experience in the payment ecosystem allows us to offer simple and secure solutions without investing in hardware and software.
Our
Clients
Our Blog
News
04-09-2017
Patricia Knebel’s article, entitled “Fintech enables wearable personalization”, published on 12th June 2017 on “Jornal do Comércio” (Journal of Commerce), highlights paySmart®
Events
01-11-2019
On November 12, 2019, paySmart® will be at O2O Inovation Xperience, the first major event to discuss the disruption generated
Articles
04-09-2014
Patricia Knebel’s article, entitled “Fintech enables wearable personalization”, published on 12th June 2017 on “Jornal do Comércio” (Journal of Commerce), highlights paySmart®
