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The future isn’t about chasing trends. It’s about creating the systems that make innovation effortless. At PayCloud, we help brands transform every transaction and every relationship into an opportunity to build lasting trust.
One Token. Multiple Ecosystems.
One Touch World™
Your customers carry one phone, so why juggle separate systems for payments, identity, access, and loyalty? PayCloud’s One Touch World™ brings them onto one secure credential, provisioned directly to Apple's Secure Element and Google Wallet and run by our Trusted Service Manager. Pilot to production in months not years.
Frictionless Living
For Your Customers: Walk in, tap, go. One secure credential opens doors, pays for coffee, collects rewards, and validates identity, all from the wallet they already carry.
Loyalty That Lasts
For Your Brand: Every interaction becomes a chance to connect. One credential unifies payments, access, and rewards—driving deeper engagement and higher lifetime value.
Infinite Reach
For Your Enterprise: Replace fragmented systems with a single credential backbone. One integration provisions credentials across Apple and Google wallets, so you move from pilot to nationwide deployment.
PayCloud One Touch World™ Solutions
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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