The Focalpay platform

We’ve created a software ecosystem enabling retailers to merge payment, checkout and backoffice flows in one interface. This removes unnecessary steps in the payment process both for the customer and merchant, and reduces intermediaries.

Internal APIs for maximum flexibility

Yes, our platform includes payments, checkout and backoffice functions in the same software. But we’re not ones to force our customers to buy it all or nothing, or to integrate in a certain type of way. Thanks to our decoupled infrastructure that uses internal APIs, you can cherry pick what functionality you need. Want to keep your checkout software and use our campaign and/or payment functionality only?

You can opt to either integrate via our open APIs, or use our SDK to integrate into existing apps. You can also access our software either as white label or co-branded, and via web-browser (automatic) or native app (optional).

Checkout

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

Payment Management Service

We're the first ever to harmonize Payment including Pay by Bank (account to account payments) and Checkout functionality in one platform, enabling maximum merchant convenience. However, our payment service can also be used as a standalone API to offer mobile wallets in other products, such as your checkout software, Scan & Pay, invoicing, or for e-commerce checkout.

Approved by the FI (Swedish Financial Supervisory Authority/Finansinspektionen), we are both AISP (Account Information Service Provider) and PISP (Payment Initiation Service Provider) authorized.

The service is available via our payment initiation gateway, and harmonizes different value service providers. This makes mobile payments seamless and instant for all actors. As a result, we have reduced interactions between payment, banking and card vendors during each transaction by 50%, enabling you to lower your transaction fees by 60%.

Freedom of choice with limitless payment options - account to account (A2A), mobile, card, cash, invoice, credit
Improved margins with up to 60% lower transaction fees
Super-easy QR code initiating mobile payment
Real-time access to funds

Backoffice

In our backoffice admin panel, you can manage everything related to your chain, store network and online checkout and payments. You can manage products, prices, campaigns, add payment methods to your checkout. Our backoffice also enables you to see checkout and payment statistics, analyze trends and habits of your customers, and close the books for the day.

The back office is built to support your stores, enable you to exceed customer expectations, empower store staff and last but not least increase business margin.

Advance notifications on transactions, alerting the staff when action is needed
Chain support for running a mix of different store and chain setups with central- and decentralized control
Price management for central and local pricing
Campaign management with central and local campaigns and discounts

Payment redundancy

Mobile payments are growing worldwide, yet many merchants have issues offering mobile payments due to non-offline capabilities. If a mobile payment solution goes offline, customers lack the means to pay and businesses risk loss of revenue and negative effects on customer retention.

To address this, Focalpay utilizes a machine learning module to monitor and detect disturbances for any given payment method. We also manage purchase completion options in real-time. This means that your business proactively can set up alternative payment methods to ensure the highest possible payment redundancy. If one mobile payment option goes down, Focalpay can shift the payment flow to the backup provider ahead of any disturbances. Your customer will never notice and you will always get paid.

Merging retail and payments processes

We are proud to say that we have developed the first platform that merges both retail and payment processes into one universal system. Focalpay has built the most modern, user friendly and secure shopping journey on the market - making your customers happy by enabling seamless, secure payments - and enabling your staff to sell more efficiently.

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Focalpay AB

Org. number 559312–7771

Wenner-Gren Center

Sveavägen 166

113 46 Stockholm

contact@focalpay.se

About

Patent-pending platform

FI approved

Authorized AISP

Authorized PISP

Focalpay