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 25 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® 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?

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 Blog

News

paySmart launches contactless personalization technology that enables wearables to be personalized over the air via NFC cell phones
Patricia Knebel’s article, entitled “Fintech enables wearable personalization”, published on 12th June 2017 on “Jornal do Comércio” (Journal of Commerce), highlights paySmart®

Events

paySmart exhibts at CARDS 2014
In 2014, paySmart exhibits again at Cards, Payment & Identification, one of the key trade shows for cards, payments and identification in

Articles

paySmart launches contactless personalization technology that enables wearables to be personalized over the air via NFC cell phones
Patricia Knebel’s article, entitled “Fintech enables wearable personalization”, published on 12th June 2017 on “Jornal do Comércio” (Journal of Commerce), highlights paySmart®

Contact Us

Where

We are

Matriz – Porto Alegre

Rua Manoelito de Ornellas, 55,
Sala 1303, Torre A
Porto Alegre RS

(51) 3221.4879

(51) 3227.2814

São Paulo

Av.Angélica, 2491 – 11º andar
Consolação. São Paulo – SP

(11) 4564.7678

© 2018 Aceká Marketing Digital