S-PAY - Open Banking

Open banking allows customers to directly pay from their bank through an account-to-account payment that makes for a user-friendly, secure and cost-effective payment experience.

When a customer chooses to pay with Open Banking, they will automatically be presented with the most fitting authentication method - which may vary from QR code to bank portal log-in or application switch, depending on their bank and country.

S-PAY - MB WAY

MB WAY  is the Portuguese favorite for mobile payments. This digital wallet allows customers to buy, perform remote withdrawals or make immediate transfers with a mobile phone number and MB WAY PIN.

S-PAY - Google Pay optimization

Evolution to improve and filter only payment methods activated for the merchant.

S-PAY - Dynamic payments routing - cost optimization

SPay is now allowing to dynamically route the payment to different merchant accounts depending on the country of the payer contact. This allows to use merchant accounts from different countries and automatically choose the closer SPAY merchant of the end payers to improve the conversion rate, reduce the cost and improve the customer payment experience wherever the end customer is.