Breaking down the boundaries between retail and payments

Use our patent-pending, service-based retail and payment platform built with open architecture and enjoy lowered fees, reduced emissions and simplified payments.

The Solution

Retail and payments without deployment, in one platform

Checkout

Manned or mobile POS and self service in the same cloud-native, headless system delivered via SDK, API, or web-based app. All checkout journeys happen in the same interface regardless if the system is used by your staff or customers, enabling true unified commerce. Customers can start shopping on their own device, and either pay directly on their phone, or transfer their basket to a self checkout. Staff can complete tasks with ease via our enjoyable, personalized UX.

Payment

Start, pause, share and finish purchase in any context at any time. With Focalpay, you can offer the consumer any payment method you want. We filter your chosen payment methods to match the possibilities the consumer has on their phone. This reduces your transaction costs and removes the boundaries between suppliers. We can also optimize your transaction costs and payment flow by driving traffic to Pay by Bank (account-to-account) transactions.

Backoffice

Our Backoffice enables you to manage your product information, local or central campaigns and stock easily and seamlessly, with real-time, universal updates across all channels. Both your customers and your staff will see price, campaign and stock updates right away when you launch them. Our backoffice also lets you manage anything related to payments and checkout and gives you and your staff a user friendly overview of payment analytics and statistics.

Checkout

Features

Thanks to our groundbreaking - and patent-pending - infrastructure, we enable true unified commerce. We have erased the borders between what a retailer checkout and consumer checkout journey is. Anyone who uses Focalpay to purchase or take payment will use the same universal interface, powered on the same platform, but with different UX depending on checkout journey.

Manned checkouts, self checkouts, scan & go
Cross-platform cashier UI Linux/Mac/Windows/Android or iOS
Focalpay web-based app
Whitelabel web-based app
SDK
Headless API-first
Store backoffice and reporting

The Solution

Unique offering in key areas.

Innovation

The world’s first infrastructure with checkout and payment in the same platform. This means that you don’t have to integrate multiple different software just to get paid, or enable your customers to pay.

Our platform can handle in-store, e-commerce, B2B and B2C purchases with equal ease in one universal interface for all processes - and your customers can focus on assisting customers rather than spending time flicking between systems. Sounds too good to be true? Book a free demo with us and we’ll show you!

Security

Our cloud-native system is secure by design. Security is in our DNA, and our team of experts within fintech, banking and retail have 30+ years of experience developing banking systems for financial institutions and global retailers, from the ground up.

We encrypt all data in transit, at rest and in memory, ensuring all merchant and consumer data is encrypted. Furthermore, we have developed our own PKI (public key infrastructure). Our platform is hosted on GCP (Google Cloud Platform), the most secure platform with the highest SLA.

Sustainability

Thanks to our uniquely designed solution, you’ll lower both electricity consumption and hardware spend drastically and still get the most modern solution on the market. Our software updates automatically in the cloud, so you can remove all local servers that run your hardware.

Additionally, you’re able to switch off your checkout machines overnight, meaning you’ll save a lot (to say the least) on electricity consumption. This will make your business significantly more sustainable, AND save money on energy bills. Win win, right?

Our amazing partners

We are proud to work with several market-leading payment and checkout ecosystem partners. Together, we're changing the way retail and payment processes work. To read more, check out our Partners page.

Want to partner with Focalpay? Great news! Contact us here.

GET GOING

How to get started now

1. Select mobile payment methods

How do I get started and what are the requirements?

Whether you already have contracts with some payment schemes that you want to use or need help with acquiring them, Focalpay can assist you. When you have contracts in place you can configure the payments in a matter of minutes in our back office.

2. Set up for physical stores. (optional)

What hardware is required, and does my current infrastructure support this?

With our headless checkout and integration platform, we offer retail without deployment. No extra hardware is necessary.

3. Payers

How do I teach my staff and my customers to use Focalpay?

As long as your payers can scan a QR code with their mobile phone they can pay. As for merchants , initiating and receiving payments is always the same, regardless of the payment method.

4. Scale and integration

What about all other systems that need to be updated when a transaction happens?

Our data harmonization gateway both receives needed data for the checkout and updates any surrounding system about the transactions.