One credential. Infinite possibilities.
Unification
White-label wallets, SoftPOS, loyalty exchange, and access management — delivering a unified credential ecosystem
Accessibility
Bringing enterprise-grade technology to every institution — from global banks to local transit systems.
Integration
White-label wallets, SoftPOS, loyalty exchange, and access management — delivering a unified credential ecosystem
Core Values
Scale Faster Across Verticals
Launch new access, identity, and payment solutions quickly with PayCloud’s modular platform — without breaking the user experience.
One Seamless Journey
Unify identity, access, payments, and credentials into one secure platform for effortless movement across physical and digital experiences.
Built to Adapt
Built on a flexible, standards-based foundation, PayCloud’s platform is equipped to evolve alongside emerging technologies and market trends.
Meet the Power behind payCloud
Bryce Davis
Chairman / Co-Founder
Bryce Davis is the Chairman and Founder of PayCloud Innovations, a leading fintech company delivering next-generation payment and treasury management solutions for modern enterprises. With over 25 years of experience in financial technology and digital payments, Bryce brings a proven track record of innovation across banking infrastructure, risk management, and payment ecosystem development.At PayCloud, Bryce guides the company’s strategic vision to empower businesses with secure, scalable, and customizable financial technology. Under his leadership, PayCloud has become a trusted provider of digital wallet integration, Apple Secure Element (SE) and TSM consulting, and cloud-based payment infrastructure—serving clients across industries including e-commerce, real estate, insurance, and the gig economy.Before founding PayCloud Innovations, Bryce established Karte Payments in 2022, focusing on SoftPOS enablement and real-time transaction orchestration for global enterprises. Earlier in his career, he served as CEO of Data Insights, a high-risk payment brokerage where he developed advanced risk mitigation and compliance tools. His background in treasury and credit strategy was strengthened during his tenure at UMB Bank, where he led national sales efforts and earned recognition as a top producer for six consecutive years.Known for marrying deep technical insight with executive foresight, Bryce continues to shape how financial institutions and enterprises embrace secure, cloud-native payment technologies.
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Shelly Cofini
CEO / Co-Founder
Shelly Cofini is the CEO and Co‑Founder of PayCloud Innovations, where she leads the company’s vision, partnerships, and go‑to‑market strategy to drive payment innovation at scale. With over 30 years of experience in disruptive technologies, fintech, and strategic growth, she specializes in building high-impact ecosystems that connect payment platforms, mobile wallets, embedded finance, and data-driven experiences across B2B, B2C, and D2C markets.At PayCloud, Shelly focuses on expanding PayCloud’s “Bank‑in‑a‑Box” and embedded finance solutions, SoftPOS and TSM offerings, and omnichannel payout and treasury capabilities for industries such as real estate, insurance, travel, and the gig economy. She is known as a super-connector and strategist, orchestrating partnerships with processors, banks, platforms, and channel partners to unlock new revenue models and streamlined, instant payout experiences for enterprises and their customers.Prior to PayCloud Innovations, Shelly held senior executive roles including Chief Revenue Officer at MERIDIUN, CEO of equitystore.com, and Chief Strategy Officer and business development leader across multiple high-growth technology and real estate platforms. Through The Cofini Group, she has advised startups, emerging tech companies, and Fortune 100/500 organizations on go‑to‑market, channel development, and digital innovation across fintech, mobile wallets, AI/ML, AR, cybersecurity, and real estate.Over three decades, Shelly has built a reputation as a futurist, storyteller, and operator who can translate complex technology into clear commercial outcomes. Her dual focus on fintech innovation and revenue optimization positions PayCloud as a category-defining partner for enterprises seeking to bridge modern treasury management with emerging payment ecosystems.
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Ayse Nil Sarigollu
Chief Product Officer &
Chief Strategy Officer
Chief Strategy Officer
Ayşe Nil Sarıgöllü is a global technology leader with 20+ years of experience across deep tech, software engineering, hardware development, mobility, smart cities, and payments. She has a proven track record of scaling high-growth companies, leading innovation, and guiding cross-functional teams across international markets.She has spearheaded multiple pioneering deep-tech initiatives and is widely recognized for her strategic vision in applying emerging technologies to transform industries. Since 2018, she has served as a Jury Member for the European Innovation Council (EIC), supporting breakthrough ventures across Europe.Under her leadership, her companies received major industry awards—including Deloitte Technology Fast 500/50 recognitions, Thales EMEA Sales Innovation Award, European Business Awards honors, and the MasterCard Innovation Award. Ayşe’s personal accolades include the Silver Stevie Award for Female Executive of the Year, The Economist’s Top 50 Most Powerful First Female CEOs, and Digital Age’s Top 30 Most Inspiring First Female CEOs.
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Murat Guzel
Chief Technology Officer
Murat Goksenin Guzel is a globally recognized technology executive and payments architect with over two decades of experience designing and delivering innovative enterprise solutions across the global payments and fintech ecosystem. His expertise spans cloud-native architecture, AI/ML, EMV, NFC, and digital transformation, with a track record of leading large-scale programs in payments, smart city systems, e-commerce, and emerging technologies.At PayCloud Innovations, Murat serves as a senior strategic technology leader, helping to guide the evolution of PayCloud’s secure, cloud-based payment and treasury management platform. He plays a critical role in shaping the company’s architecture for digital credential provisioning, Apple NFC and Secure Element (SE) enablement, EMV and open-loop transit, and real-time transaction orchestration for enterprise clients.Throughout his career, Murat has held executive and leadership roles at global payment technology providers, where he has overseen the design and deployment of mission-critical systems, including EMV card issuance, instant issuing, POS and payment gateways, and large-scale transit and smart city payment infrastructures. His work has supported banks, processors, and enterprises across multiple regions in modernizing their payment stacks and accelerating digital transformation initiatives.Murat is an award-winning innovator, honored with multiple industry distinctions such as EPCA and Sesames Awards, as well as recognitions from Mastercard and Visa for groundbreaking work in instant issuing, EMV open-loop transit, and NFC adaptation.Known for bridging deep technical expertise with strategic vision, Murat continues to advance PayCloud’s mission to deliver secure, scalable, and future-ready financial technology for modern enterprises.
Show more
Show less
Bryce Davis
Chairman / Co-Founder
Bryce Davis is the Chairman and Founder of PayCloud Innovations, a leading fintech company delivering next-generation payment and treasury management solutions for modern enterprises. With over 25 years of experience in financial technology and digital payments, Bryce brings a proven track record of innovation across banking infrastructure, risk management, and payment ecosystem development.At PayCloud, Bryce guides the company’s strategic vision to empower businesses with secure, scalable, and customizable financial technology. Under his leadership, PayCloud has become a trusted provider of digital wallet integration, Apple Secure Element (SE) and TSM consulting, and cloud-based payment infrastructure—serving clients across industries including e-commerce, real estate, insurance, and the gig economy.Before founding PayCloud Innovations, Bryce established Karte Payments in 2022, focusing on SoftPOS enablement and real-time transaction orchestration for global enterprises. Earlier in his career, he served as CEO of Data Insights, a high-risk payment brokerage where he developed advanced risk mitigation and compliance tools. His background in treasury and credit strategy was strengthened during his tenure at UMB Bank, where he led national sales efforts and earned recognition as a top producer for six consecutive years.Known for marrying deep technical insight with executive foresight, Bryce continues to shape how financial institutions and enterprises embrace secure, cloud-native payment technologies.
Show more
Show less
Shelly Cofini
CEO / Co-Founder
Shelly Cofini is the CEO and Co‑Founder of PayCloud Innovations, where she leads the company’s vision, partnerships, and go‑to‑market strategy to drive payment innovation at scale. With over 30 years of experience in disruptive technologies, fintech, and strategic growth, she specializes in building high-impact ecosystems that connect payment platforms, mobile wallets, embedded finance, and data-driven experiences across B2B, B2C, and D2C markets.At PayCloud, Shelly focuses on expanding PayCloud’s “Bank‑in‑a‑Box” and embedded finance solutions, SoftPOS and TSM offerings, and omnichannel payout and treasury capabilities for industries such as real estate, insurance, travel, and the gig economy. She is known as a super-connector and strategist, orchestrating partnerships with processors, banks, platforms, and channel partners to unlock new revenue models and streamlined, instant payout experiences for enterprises and their customers.Prior to PayCloud Innovations, Shelly held senior executive roles including Chief Revenue Officer at MERIDIUN, CEO of equitystore.com, and Chief Strategy Officer and business development leader across multiple high-growth technology and real estate platforms. Through The Cofini Group, she has advised startups, emerging tech companies, and Fortune 100/500 organizations on go‑to‑market, channel development, and digital innovation across fintech, mobile wallets, AI/ML, AR, cybersecurity, and real estate.Over three decades, Shelly has built a reputation as a futurist, storyteller, and operator who can translate complex technology into clear commercial outcomes. Her dual focus on fintech innovation and revenue optimization positions PayCloud as a category-defining partner for enterprises seeking to bridge modern treasury management with emerging payment ecosystems.
Show more
Show less
Ayse Nil Sarigollu
Chief Product Officer & Chief Strategy Officer
Ayşe Nil Sarıgöllü is a global technology leader with 20+ years of experience across deep tech, software engineering, hardware development, mobility, smart cities, and payments. She has a proven track record of scaling high-growth companies, leading innovation, and guiding cross-functional teams across international markets.She has spearheaded multiple pioneering deep-tech initiatives and is widely recognized for her strategic vision in applying emerging technologies to transform industries. Since 2018, she has served as a Jury Member for the European Innovation Council (EIC), supporting breakthrough ventures across Europe.Under her leadership, her companies received major industry awards—including Deloitte Technology Fast 500/50 recognitions, Thales EMEA Sales Innovation Award, European Business Awards honors, and the MasterCard Innovation Award. Ayşe’s personal accolades include the Silver Stevie Award for Female Executive of the Year, The Economist’s Top 50 Most Powerful First Female CEOs, and Digital Age’s Top 30 Most Inspiring First Female CEOs.
Show more
Show less
Bryce Davis
Chairman / Co-Founder
Bryce Davis is the Chairman and Founder of PayCloud Innovations, a leading fintech company delivering next-generation payment and treasury management solutions for modern enterprises. With over 25 years of experience in financial technology and digital payments, Bryce brings a proven track record of innovation across banking infrastructure, risk management, and payment ecosystem development.At PayCloud, Bryce guides the company’s strategic vision to empower businesses with secure, scalable, and customizable financial technology. Under his leadership, PayCloud has become a trusted provider of digital wallet integration, Apple Secure Element (SE) and TSM consulting, and cloud-based payment infrastructure—serving clients across industries including e-commerce, real estate, insurance, and the gig economy.Before founding PayCloud Innovations, Bryce established Karte Payments in 2022, focusing on SoftPOS enablement and real-time transaction orchestration for global enterprises. Earlier in his career, he served as CEO of Data Insights, a high-risk payment brokerage where he developed advanced risk mitigation and compliance tools. His background in treasury and credit strategy was strengthened during his tenure at UMB Bank, where he led national sales efforts and earned recognition as a top producer for six consecutive years.Known for marrying deep technical insight with executive foresight, Bryce continues to shape how financial institutions and enterprises embrace secure, cloud-native payment technologies.
Show more
Show less
Shelly Cofini
CEO / Co-Founder
Shelly Cofini is the CEO and Co‑Founder of PayCloud Innovations, where she leads the company’s vision, partnerships, and go‑to‑market strategy to drive payment innovation at scale. With over 30 years of experience in disruptive technologies, fintech, and strategic growth, she specializes in building high-impact ecosystems that connect payment platforms, mobile wallets, embedded finance, and data-driven experiences across B2B, B2C, and D2C markets.At PayCloud, Shelly focuses on expanding PayCloud’s “Bank‑in‑a‑Box” and embedded finance solutions, SoftPOS and TSM offerings, and omnichannel payout and treasury capabilities for industries such as real estate, insurance, travel, and the gig economy. She is known as a super-connector and strategist, orchestrating partnerships with processors, banks, platforms, and channel partners to unlock new revenue models and streamlined, instant payout experiences for enterprises and their customers.Prior to PayCloud Innovations, Shelly held senior executive roles including Chief Revenue Officer at MERIDIUN, CEO of equitystore.com, and Chief Strategy Officer and business development leader across multiple high-growth technology and real estate platforms. Through The Cofini Group, she has advised startups, emerging tech companies, and Fortune 100/500 organizations on go‑to‑market, channel development, and digital innovation across fintech, mobile wallets, AI/ML, AR, cybersecurity, and real estate.Over three decades, Shelly has built a reputation as a futurist, storyteller, and operator who can translate complex technology into clear commercial outcomes. Her dual focus on fintech innovation and revenue optimization positions PayCloud as a category-defining partner for enterprises seeking to bridge modern treasury management with emerging payment ecosystems.
Show more
Show less
Ayse Nil Sarigollu
Chief Product Officer &
Chief Strategy Officer
Chief Strategy Officer
Ayşe Nil Sarıgöllü is a global technology leader with 20+ years of experience across deep tech, software engineering, hardware development, mobility, smart cities, and payments. She has a proven track record of scaling high-growth companies, leading innovation, and guiding cross-functional teams across international markets.She has spearheaded multiple pioneering deep-tech initiatives and is widely recognized for her strategic vision in applying emerging technologies to transform industries. Since 2018, she has served as a Jury Member for the European Innovation Council (EIC), supporting breakthrough ventures across Europe.Under her leadership, her companies received major industry awards—including Deloitte Technology Fast 500/50 recognitions, Thales EMEA Sales Innovation Award, European Business Awards honors, and the MasterCard Innovation Award. Ayşe’s personal accolades include the Silver Stevie Award for Female Executive of the Year, The Economist’s Top 50 Most Powerful First Female CEOs, and Digital Age’s Top 30 Most Inspiring First Female CEOs.
Show more
Show less
Murat Guzel
Chief Technology Officer
Murat Goksenin Guzel is a globally recognized technology executive and payments architect with over two decades of experience designing and delivering innovative enterprise solutions across the global payments and fintech ecosystem. His expertise spans cloud-native architecture, AI/ML, EMV, NFC, and digital transformation, with a track record of leading large-scale programs in payments, smart city systems, e-commerce, and emerging technologies.At PayCloud Innovations, Murat serves as a senior strategic technology leader, helping to guide the evolution of PayCloud’s secure, cloud-based payment and treasury management platform. He plays a critical role in shaping the company’s architecture for digital credential provisioning, Apple NFC and Secure Element (SE) enablement, EMV and open-loop transit, and real-time transaction orchestration for enterprise clients.Throughout his career, Murat has held executive and leadership roles at global payment technology providers, where he has overseen the design and deployment of mission-critical systems, including EMV card issuance, instant issuing, POS and payment gateways, and large-scale transit and smart city payment infrastructures. His work has supported banks, processors, and enterprises across multiple regions in modernizing their payment stacks and accelerating digital transformation initiatives.Murat is an award-winning innovator, honored with multiple industry distinctions such as EPCA and Sesames Awards, as well as recognitions from Mastercard and Visa for groundbreaking work in instant issuing, EMV open-loop transit, and NFC adaptation.Known for bridging deep technical expertise with strategic vision, Murat continues to advance PayCloud’s mission to deliver secure, scalable, and future-ready financial technology for modern enterprises.
Show more
Show less
Murat Guzel
Chief Technology Officer
Murat Goksenin Guzel is a globally recognized technology executive and payments architect with over two decades of experience designing and delivering innovative enterprise solutions across the global payments and fintech ecosystem. His expertise spans cloud-native architecture, AI/ML, EMV, NFC, and digital transformation, with a track record of leading large-scale programs in payments, smart city systems, e-commerce, and emerging technologies.At PayCloud Innovations, Murat serves as a senior strategic technology leader, helping to guide the evolution of PayCloud’s secure, cloud-based payment and treasury management platform. He plays a critical role in shaping the company’s architecture for digital credential provisioning, Apple NFC and Secure Element (SE) enablement, EMV and open-loop transit, and real-time transaction orchestration for enterprise clients.Throughout his career, Murat has held executive and leadership roles at global payment technology providers, where he has overseen the design and deployment of mission-critical systems, including EMV card issuance, instant issuing, POS and payment gateways, and large-scale transit and smart city payment infrastructures. His work has supported banks, processors, and enterprises across multiple regions in modernizing their payment stacks and accelerating digital transformation initiatives.Murat is an award-winning innovator, honored with multiple industry distinctions such as EPCA and Sesames Awards, as well as recognitions from Mastercard and Visa for groundbreaking work in instant issuing, EMV open-loop transit, and NFC adaptation.Known for bridging deep technical expertise with strategic vision, Murat continues to advance PayCloud’s mission to deliver secure, scalable, and future-ready financial technology for modern enterprises.
Show more
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Our Trusted Partners & Collaborators
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Frequently asked questions
What is PayCloud Innovations?
PayCloud Innovations is a payment orchestration and engagement platform that unifies payment processing, digital wallets, loyalty programs, and secure credential management through its proprietary One Touch World™ suite. We enable enterprises to own the complete customer payment experience with white-label solutions powered by Apple SE/TSM technology, SoftPOS, and AI-driven loyalty.
What industries does PayCloud serve?
PayCloud serves hospitality (hotels, resorts), retail, quick-service restaurants, transit agencies, corporate campuses, stadiums and entertainment venues, financial institutions, and e-commerce platforms. Our solutions are built for any enterprise seeking unified payment, loyalty, and access control capabilities.
What is the PayCloud One Touch World™?
PayCloud One Touch World™ is our unified ecosystem that integrates payment processing, loyalty rewards, and secure access credentials (hotel keys, tickets, IDs, transit passes, auto keys) into a single mobile experience. It's the only platform that combines Apple SE/TSM security with payment orchestration and AI-powered engagement—enabling customers to pay, earn rewards, and access services seamlessly from their smartphone.
How is PayCloud different from other payment platforms?
Unlike traditional payment processors like Stripe or Square that offer payment-only solutions, PayCloud combines payment orchestration, loyalty, and secure credential management (Apple SE/TSM) in a single white-label platform. We're the only provider that enables enterprises to own their complete customer engagement experience—from checkout to rewards to access control—without vendor lock-in or fragmented point solutions.
What does TSM as a Service mean?
TSM (Trusted Service Manager) as a Service is PayCloud's platform for securely provisioning and managing digital credentials—like payment cards, hotel keys, transit passes, and corporate badges—directly to customers' mobile devices via Apple Wallet and Google Wallet. It eliminates the need for enterprises to build their own TSM infrastructure while maintaining complete white-label control and brand ownership.
Who are the founders of PayCloud?
PayCloud Innovations Founded by Chairman Bryce Davis and CEO Shelly Cofini, who bring 30+ years of experience in disruptive payment technologies and strategic growth. The leadership team combines deep expertise in EMV payment infrastructure, Apple SE/TSM integration, HCE for Android, and enterprise B2B/B2C partnerships.
Where is PayCloud based?
PayCloud Innovations is headquartered in Newport Beach, California, with operations supporting customers across North America, Europe, UAE and expanding into APAC markets. Our global reach enables enterprises to deploy white-label payment and engagement solutions in multiple regions with localized compliance and payment methods.
How does PayCloud ensure data privacy and compliance?
PayCloud modular architecture meets PCI-DSS Level 1 certification requirements, GDPR compliance standards for European operations, and leverages Apple SE hardware-grade security for credential storage—ensuring payment and access data never touches enterprise servers unencrypted. Our platform partners with licensed infrastructure providers who undergo regular third-party security audits to meet banking and enterprise compliance standards.