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The future isn’t another disconnected credential. It’s one platform built to provision once, manage what comes next, and make every interaction an opportunity to build trust.
One Phone. Many Credentials.
One Infrastructure Behind Them All.
Your cardholders, guests, and drivers carry one phone, yet their cards, room keys, rewards, and badges often come from separate systems. PayCloud Provision™ unifies digital credentials across payments, access, identity, and loyalty, giving enterprises the infrastructure to deliver what customers need and manage it all in one place.
Provision
Step 1: We place the credential securely in your customer’s iPhone, Apple Watch, or Android phone, ready for the first tap.
Manage
Step 2: Updates, renewals, and pauses run from one platform, keeping credentials current without starting over.
Trust
Step 3: Every credential stays protected by one security approach, so cardholders and guests tap with confidence.
Our Provision-Once Architecture™
lets every new credential build on the last.
What Sets PayCloud Apart
Hardware-grade security
As a Trusted Service Manager provisioning to Apple's Secure Element, we extend tamper-resistant protection across payments, identity, and access.
One modular platform
Payments, identity, loyalty, access, and transit passes run on a single modular engine, so you add capabilities without re-architecting.
No processor lock-in
Payment orchestration routes every transaction across processors by cost, geography, and availability, on your business rules rather than ours.
From pilot to nationwide
From pilot to nationwide deployment, across banks and credit unions, transit, hospitality, retail, healthcare, higher education, and government.
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
Bryce Davis is the Chairman and Co-Founder of PayCloud Innovations, guiding the company’s vision to deliver secure, scalable, cloud-native payment and treasury solutions that connect digital wallets, real-and embedded finance for modern enterprises. time payouts, and embedded finance for modern enterprises.
Shelly Cofini
Shelly Cofini is the CEO and Co‑Founder of PayCloud Innovations, a super-connector and strategist who leads partnerships and go‑to‑market execution to help enterprises unlock new revenue through Bank‑in‑a‑Box, SoftPOS, and Apple SE/TSM as a service ecosystems.
Ayse Nil Sarigollu
Ayşe Nil Sarıgöllü is a global deep-tech and fintech leader advising PayCloud Innovations, bringing 20+ years of experience scaling high-growth companies and applying emerging technologies — from mobility and smart cities to payments — to build resilient, innovation-led financial infrastructure.
Murat Guzel
Murat Goksenin Guzel is a globally recognized technology executive and payments architect at PayCloud Innovations, shaping the company’s cloud-based architecture for EMV, NFC, Secure Element, and real-time transaction orchestration across complex, multi-rail payment environments.
Our Trusted Partners & Collaborators
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