Technology

One integrated payment platform to meet your many global payment needs

The hyperWALLET platform is a patented, highly developed and integrated payment platform that enables organizations to plug into and leverage the global financial network.

Platform Highlights

Highly developed, multi-currency core transaction Engine
At the core of the hyperWALLET platform is a core multi-currency transaction payment engine that handles all transaction functions, including:

• Payment functions for individuals and businesses (including email money transfers, bank transfers, online merchant payments, invoicing, recurring payments, mass remittances, and on-demand currency exchange)
• Payment functions for Mobile Operators (mobile wallets, prepaid account top-ups, mobile remittances, support for contactless payments and more)
• Prepaid card issuance
• Email and SMS transaction notification
• Transaction scoring, authorization and fee assessments
• Risk management and fraud detection
• Reconciliation and exceptions management

Multi-currency e-wallets & currency broker
True to its use as a global payment solution, the platform features multi-currency e-wallets and features a built-in currency broker with configurable spreads and position monitoring.

Integration with leading financial networks
The hyperWALLET platform interfaces into existing global financial networks, supporting electronic funds transfers to destinations within the United States, Canada, Europe, Asia-Pacfic and beyond. The platform is also integrated with leading ATM network access and switching providers in Canada and the United States.

Fully brandable and completely customizable
Web-based international payment & mobile payment interfaces and applications are easily customizable, and can be white-labeled to allow your organization to deliver a solution under your own brand.

Mobile application provisioning
Mobile Operators can leverage a single, unified and patented payment platform that delivers a range of mobile payment services, in multiple service delivery formats and languages, to countries worldwide.

Multilingual content management
Easily manage international payment services in local languages, thanks to hyperWALLET's support for multilingual interfaces, localization of content, and delivery of region specific deployments.

Extensive API suite
With our full API suite, you can easily integrate the hyperWALLET platform into existing applications such as your website, settlement networks, and commercial back-office solutions. Our APIs also let you select from batch or real-time processing methods.

User-friendly account management
The hyperWALLET platform allows for individual and multi-user business accounts. From your end-user’s perspective, the platform provides a secure and private online e-WALLET account that features multi-currency balances, detailed transactional history and receipting, e-mail notifications, and a suite of consumer-friendly payment functions.

Real-time and web-based
The hyperWALLET platform functions in real-time and is accessible from a secure, web-based interface -- providing global access to payment services anywhere, anytime.

Robust, global-grade system
The hyperWALLET platform is comprised of a core banking host and an online banking web application developed using a flexible, scalable architecture. The platform has proven payments experience working in hundreds of large customer sites.

Risk management, compliance and auditing
The hyperWALLET platform provides a centralized database for online payments, improving risk management for all online transactions. It also includes an extensive set of internal fraud detection processes and 3rd party risk management services.

Compliance regimes are easily managed through the platform’s extensive exception handling and audit capabilities, as well as reconciliation functions and reports.

Reporting
The hyperWALLET platform provides on-demand transactional reporting of accounts. The platform also provides a report publication service, to enable secure business partner communication and reporting.

Messaging alerts
Finally, the hyperWALLET platform delivers extensive messaging capabilities to notify your end-customers via email, SMS and text messaging of financial transactions and account changes.

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