P2P solution

P2P functionality helps you to provide users (current or potential customers) with the ability to send money to each other, also it allows you to accept transfers to your cards without sending your data to anyone and earn commissions by providing a service to a wide range of users.

The P2P service is a service available for customization and integration into third-party websites, mobile applications, as well as Internet and mobile banks.

Users have access to a complete list of operations, sending/receiving transfers, registering/authorizing in the service, managing saved cards.

An important feature of the P2P service is the ability to make transfers by phone number, even if the user is not yet registered in the system.

Available types of P2P transactions are listed below.

P2P card-to-card transaction

A card-to-card P2P transaction sends funds directly from one payment card (debit or credit) to another using card numbers. See the detailed description here.

AFT transaction

AFT (Account Funding Transaction) - a special type of operations for debiting of funds for the purpose of replenishing the client's internal account in the merchant’s system or banking account in bank’s system (often used as an alternative to the purchase operation). See the detailed description here.

OCT transaction

OCT (Original Credit Transaction) - a special type of transaction for crediting funds to the recipient in real time. See the detailed description here.