Dive into the world of seamless financial and retail services with Youtap.

Youtap's all-in-one platform offers a comprehensive solution that unifies banking, finance, and retail services. It simplifies operations and improves customer experience by integrating transaction management, payment processing, and retail services into a single, easy-to-use interface. Youtap helps navigate today's complex financial and retail landscape, delivering seamless and efficient service to customers. Experience the future of banking and retail unified on a single platform with Youtap.

Platforms
Youtap Digital Banking

Digital Financial Services Platform

Youtap’s platform elevates financial services, providing a comprehensive solution tailored for financial institutions and businesses. It integrates key digital finance features like banking, payments, and digital wallets. The platform covers all aspects from account management and transaction processing to loan origination and fraud detection. With its customizable design, it adapts to specific business needs and customer demands, ensuring seamless delivery of outstanding financial services. Choose Youtap for effortless navigation through the digital finance landscape and transformative financial solutions.

Real-time Cloud based Switching

Experience the power of real-time with Youtap. Our cloud-based switching technology ensures instant processing of financial transactions, from payments to fraud detection and account management. With Youtap, financial service providers can offer their customers rapid, reliable services, all delivered with low latency and high availability. Our innovative, cloud-based infrastructure not only provides cost-efficiency and enhanced security, but also scalability to meet growing demands. With Youtap’s real-time capabilities, you can improve customer experience, mitigate fraud risk, and drive revenue growth. Welcome to a world of real-time financial processing – welcome to Youtap.

Real-time transaction processing, and transaction routing.  Real-time fraud, and AML monitoring and reporting.

Youtap utilizes a microservices architecture with a core session control as the real-time hub for all services. Our cloud-based architecture uses scalable containers to ensure that scalability, reliability, and performance are always maintained.

Youtap has adopted a cloud-based architecture used by thousands of organizations globally. Some of the world’s largest banks and financial service providers have adopted its cloud-based architecture, offering a high degree of scalability, security, and flexibility. Youtap’s solutions are deployed in PCI compliant data centers with ISO27001 certification providing the tools to automate and monitor all aspects of a customer’s cloud instance for compliance and reporting.

White-label digital banking, digital wallet and payments
applications

Embrace our white-label digital banking, digital wallet and payments applications to expand your digital capabilities and offer your customers a seamless digital experience. With our white-label platform, you can quickly launch your digital banking, digital wallet, and payment services and differentiate yourself from the competition while providing a superior customer experience.​

Card management

Digital Banking

Digital onboarding

Digital Payments

Rewards and loyalty

Youtap Digital Finance Platform

Our platform is designed to provide a comprehensive and customizable solutions for financial institutions and businesses to launch their digital banking, digital wallet, and payment services under their brand. The platform includes many features: account management, transaction processing, digital wallet management, loyalty program management, and rewards redemption. It supports various payment methods, such as credit/debit cards, ACH, e-wallets, and more. 

Well-documented APIs for integrating to third-party service providers, platforms, and applications, from core banking systems to KYC services

White-label digital payments, point of sale and loyalty
applications

Unlock the Power of Seamless Transactions and Customer Engagement with Youtap’s Suite of Solutions. Our cutting-edge payment processing capabilities ensure a hassle-free experience for both you and your customers. Boost loyalty and retention with advanced tools for personalized loyalty programs, targeted campaigns, and customer rewards. Elevate your retail experience with intuitive Point of Sale (POS) products that streamline transactions, inventory management, reporting, and customer service. Seamlessly integrate our solutions into your existing systems for optimized efficiency. Join successful businesses trusting Youtap for payment processing, loyalty, campaign management, and POS needs. Experience the future of retail with Youtap, driving revenue growth, customer satisfaction, and business success.

A platform independent switch with the capacity to process high volumes of banking, payments, and retail transaction in real-time.  The solution supports issuers and acquirers, real-time eMoney and Digital currency routing and processing, POS payment processing and switching, cash management, remittances, and a host of financial services use cases.

A single digital banking core and includes all the critical modules. Modules include account management for Consumer and Business Banking, security and fraud management, card issuing and payment processing, lending and micro-finance management, product creation and management, loyalty and rewards, reporting, and the white-label applications your bank requires when launching a digital banking service.

Our dedicated loyalty server manages assignment and acceptance of promotions, discounts, cash-backs and points for merchants and consumers. Time of day, time of week, one-off, recurring, random, single-use, multi-use promotions. The loyalty server includes an administrative interface for setup and management of campaigns.

Brand and launch your own Digital Wallet; the Wallet can be used as a Digital Banking solution or a Loyalty and Rewards solution; the solution has integrated Loyalty and Rewards and a companion Visa Card. The primary Wallet is upgradeable to a Multi-Balance wallet and can provide various financial services, including deposits, lending, remittance, and merchant acceptance.

A flexible, mobile-orientated solution that enables retail and small business customers to originate and fulfill their requirements for short and medium-term finance.  The solution enables customers to personalize and launch a lending services in a matter of weeks.

A flexible, mobile-orientated solution for banks and financial service providers wanting to reward their business and retail customers.  Enables customers to self onboard, open savings and deposit accounts, and manage these accounts through powerful easy customized applications and portals.

Easily provide customers with the ability to self onboard, apply for multiple accounts and have these accounts appear in their internet and mobile applications.  Enable customers to self manage their accounts with preset templates and tools.

A single financial solution for Agri Banks, and Financial services providers.  The platform provides the applications and tools to onboard and manage farmers and their unique financial services requirements.  From the management of farming inputs (seed, stock, fertiliser etc), through to sale, disbursements and loan settlement, our solution enables your institution to be relevant to this critical market segment.

Youtap’s platform handles Scheme Card and eMoney processing for QR code, NFC, and EMV card transactions. Our integrated payment processing module enables eMoney Issuers, Banks and Payment Processors to quickly and economically setup, issue and process all types of cards and payment types.

Youtap’s card management module provides the service provider with all the tools they need to issue and maintain credit, debit, and stored-value cards. The solution includes BIN management, card range management, card issuing, black and whitelisting, print management, integration to our Consumer and Business digital wallet application for self-provisioning, ordering, and card management.

The Switch for Governments, Banks and Financial Services providers wanting to manage issuers and acquirers providing intelligent transaction routing, management and processing.  Designed for the Digital Currency future, the switch caters for eMoney, scheme card and new digital currency processing.

The solution provides integrated terminal management for in-store agency banking. Working with device partners for the management and provisioning of POS devices and POS device software updates.
The solution provides well documented APIs for integration to third party service providers, platforms and applications.
Youtap technology is integrated and trusted by world-leading retailers, transport operators, mobile operators, and banks – environments where security is paramount.

All data is encrypted, all access to data is via sophisticated rules and multi-tiered administration rights. All changes adhere to the principals of Maker Checker.
The platform is built on a high throughput microservices-based architecture. The solution allocates system resources based on application and priority. The solution is cloud-based and, as such, can be scaled automatically. Transactions per second volumes are configured based on application to support tens of thousands of transactions.
Based on the cloud, customers pay for what they use. Modules are turned on and not designed or integrated. Hardware, software and application updates are scheduled and performed automatically. Release cycles are monthly and don’t require downtime.
Deploy your way, the Youtap Platform delivers the same security, speed and responsiveness from both cloud and on-premise deployments.

The platform is deployed redundantly. In the event of any failure, traffic is routed to other processing servers until the fault is rectified. The solution is load balanced and is scaled based on load. In the event of a data center failure, traffic is routed to other data centers until the data center is back online.

Manage accounts, profiles, features, devices, services, fees, commissions, configurations, security and access control on the Youtap Platform and Youtap Digital Wallet using our White-label portals.

The solution provides inApp and portal analytics and reporting. We turn data into beautiful, full screen dashboards to share and present. Our Apps analyze customer behavior and provide them with inApp spend and save patterns to help decision making. We provide connectivity to all the data you care about for analysis, reporting, forecasting and decision-making.

One Digital Financial Services Platform

One digital financial services platform, multiple white-label solutions deployed in the cloud, with applications for banking, finance and retail.

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Retail POS & Digital Banking - Youtap

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