The future isn’t about chasing trends—it’s about creating the systems that make innovation seamless. At PayCloud, we help brands transform every transaction and every relationship into an opportunity to build lasting trust.
One Touch World™
Where Everything Connects
PayCloud’s One Touch World™ makes everyday access seamless and secure by embedding personalization in Apple’s Secure Enclave. With the same hardware protections as Apple Pay, it unifies keys, cards, and tickets into a single digital credential.
Frictionless Living
Forget badges, cards, and apps. One secure credential unlocks doors, pays for coffee, earns rewards, and adapts to preferences—making every interaction effortless, seamless, and secure.
Loyalty That Lasts
Turn daily moments into deeper relationships. With one credential powering payments, access, and rewards, brands unify the journey, personalize in real time, and grow lifetime value.
Simplicity At Scale
Replace dozens of systems with one platform. Access, payments, and loyalty flow through a single credential already in every customer’s pocket—collapsing complexity while expanding capability.
PayCloud One Touch World™ Solutions
Apple SE TSM service & platform
PayCloud’s Trusted Service Manager solution brings Apple-grade hardware security to enterprises and financial institutions.
With full credential lifecycle management, white-label customization, and seamless iOS integration, it enables secure deployment of badges, transit cards, hotel keys, and loyalty programs — all beyond Apple Wallet.
SoftPOS
PayCloud’s SoftPOS turns any NFC-enabled device into a fully certified payment terminal, with PCI MPoC compliance and enterprise-grade control.
Seamlessly integrated into existing acquiring platforms, it streamlines terminal management, reduces costs, and enables secure, flexible payments across retail, events, hospitality, logistics, and transit
White Label Wallet Platform
PayCloud’s Digital Wallet Platform enables institutions to launch branded wallets on iOS and Android with tap-to-pay, loyalty, offers, and multicredential storage.
Built on secure infrastructure with tokenization, fraud monitoring, and dynamic card controls, it integrates seamlessly with banking cores, processors, and CRM systems. Real-time notifications, spending limits, and category restrictions protect institutions while giving users more control.
Crypto Exchange Platform
PayCloud delivers a fully integrated, institutional-grade exchange with enterprise security and regulatory compliance at its core.
Supporting spot, futures, DeFi, and staking across major blockchains, the platform offers high-speed trading, fiat onramps, and white-label customization —empowering enterprises to launch branded exchanges with full control and advanced analytics.
Loyalty Exchange Platform
PayCloud redefines customer engagement by transforming loyalty programs into real-time, personalized ecosystems. With seamless CRM and marketing integration, predictive analytics, and omnichannel delivery, the platform drives retention through tailored rewards and gamification.
Web3-ready, it supports NFTs, digital collectibles, and blockchain-based loyalty, giving enterprises innovative tools to build lasting customer connections.
Open Loop Transit Solution
PayCloud empowers transit agencies to modernize fare collection with a hardware-independent, EMV-compliant platform that turns standard Android devices into secure validators. Supporting both open-loop and closed-loop payments, the solution reduces costs, accelerates deployment, and ensures universal accessibility. With real-time dashboards, fare capping, and API-first integration, agencies gain full operational visibility while delivering faster, more convenient passenger experiences
One Touch World™ Access
Unified identity and access management across physical and digital environments.
Powered Solutions: hotel key systems, corporate access badges, biometric ticketing, stadium entry, car access, event credentials.
Primary Value: single device for multi-environment access with biometric security and seamless user experience.
What Sets PayCloud Apart
Apple-grade security everywhere
Leveraging Secure Enclave protections beyond payments.
Unified infrastructure
One modular engine for payments, loyalty, crypto, transit, and access.
AI-powered intelligence
Real-time fraud detection, predictive insights, and personalized engagement.
Scalable & future-ready
From pilot to nationwide deployment, across retail, banking, hospitality, and smart cities.
Where Traditional solutions rely on fragmented middleware and siloed workflows, PayCloud delivers:
Hardware-grade security
Leveraging Apple’s Secure Enclave protections across payments, identity, and access.
Unified infrastructure
A complete end-to-end payment engine with API-first architecture, real-time event processing, and cross-vertical integration.
Future-ready innovation
With crypto, Web3 loyalty tokens, biometric access, and contactless transit built into the same foundation.
Scalable deployment
From pilot programs to nationwide rollouts, our modular framework supports banking, retail, transit, hospitality, and smart city use cases.
AI-powered intelligence
Embedded machine learning models drive fraud prevention, predictive analytics, personalized loyalty, automated trading, and seamless user experiences.
Hardware-grade security
Leveraging Apple’s Secure Enclave protections across payments, identity, and access.
Unified infrastructure
A complete end-to-end payment engine with API-first architecture, real-time event processing, and cross-vertical integration.
Future-ready innovation
With crypto, Web3 loyalty tokens, biometric access, and contactless transit built into the same foundation.
Scalable deployment
From pilot programs to nationwide rollouts, our modular framework supports banking, retail, transit, hospitality, and smart city use cases.
AI-powered intelligence
Embedded machine learning models drive fraud prevention, predictive analytics, personalized loyalty, automated trading, and seamless user experiences.
Meet The Founders
Bryce Davis
With nearly two decades of experience, Bryce offers deep expertise in banking, payment technology, risk mitigation, and identity authentication solutions.
Shelly Cofini
With a 30-year career advancing disruptive technologies, she brings strategic expertise across payments, emerging tech, and innovation to drive growth.
Ayse Nil Sarigollu
As an entrepreneur and fintech executive, she brings expertise in payments, digital transformation, and innovation, with global impact spanning Payolog, PayCloud, and emerging tech ventures.
Murat Guzel
With a proven track record of delivering innovative enterprise solutions, he brings global expertise as a technology executive and payments architect across fintech and payments.
Bryce Davis
With nearly two decades of experience, Bryce offers deep expertise in banking, payment technology, risk mitigation, and identity authentication solutions.
Shelly Cofini
With a 30-year career advancing disruptive technologies, she brings strategic expertise across payments, emerging tech, and innovation to drive growth.
Ayse Nil Sarigollu
As an entrepreneur and fintech executive, she brings expertise in payments, digital transformation, and innovation, with global impact spanning Payolog, PayCloud, and emerging tech ventures.
Murat Guzel
With a proven track record of delivering innovative enterprise solutions, he brings global expertise as a technology executive and payments architect across fintech and payments.
Our Trusted Partners & Collaborators
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