The micro services architecture enables unlimited vertical integrations – without throughput degradation – for real-time connectivity between the core engine and any 3rd party services.
We process large volumes of transactions with linear scalability to support the smallest to largest payment processor.
Aggregated E-money Payment Acceptance.
Cash Capture
Credit/Debit Payments
POS & SKU Scanning
Sales Dashboards
Product & Market Insights
Pay later
Inventory & orders
Targeted loyalty & promotions
E-commerce
in-store
Airtime & Data
Utility Payments
Digital & Agency Banking
Real-time Transfers
Credit assessment
Savings, Loans & Insurance
Disbursements
Transport payments
E-money
Cash
Cards
Smartphones
(QR, NFC, P2P)
Feature Phones
(P2P, NFC tags)
Wearables
(NFC)
Cards
(NFC, MSR, C&D, EMV)
Biometric
Online
Static QR
Smartphones
(QR, NFC, P2P)
Entry-level Mobile Smart POS
(QR, NFC, P2P)
All-in-one Mobile Smart POS
(QR, NFC, P2P, SKU Bar-codes)
Countertop Smart POS
(QR, NFC, P2P, PCI/EMV Card)
Tablet Smart POS(QR, P2P)
Online
(QR, P2P, PCI/EMV Card)
Traditional POS
(QR, NFC, PCI/EMV Card)
ATM & Unattended Kiosks
(QR, NFC, P2P PCI/EMV Card)
Youtap’s highly-scalable real-time micro-service platform architecture supports merchants, their suppliers, and consumers.
Youtap’s PCI PA-DSS compliant platform specifically for the handling of EMV card issuing and transaction acceptance.
Youtap Platform modules are turned on to deliver the full suite of use cases and services.
Real-time payment aggregation, processing, and settlement account software platform enabling the client’s selected use cases. API Gateway into all included services. AML rule support. Fraud control. Black listing, white listing. Youtap Apps and Applications communicate exclusively with the Youtap Platform.
Real-time e-money wallet and stored value platform for client’s selected use cases. User registration, de-registration. Authentication and account management. Set user, agent/merchant, super-agent/merchant, company account tiers. Fees and commissions. Set account limits. Lock accounts. Bulk payment/transfers.
Dedicated loyalty server to manage 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. Includes administrative interface for setup and management of campaigns.
Manage accounts, profiles, devices, services, fees, commissions, configurations, and access control on the Youtap Platform and Youtap Digital Wallet.
Dedicated micro/small business SKU and product management server enabling small merchant product management and stock ordering functions and integrated supply chain inventory sources. Includes administrative interface for suppliers and individual merchants.
For the interconnection of 3rd party services including Utility Billers and Biller Aggregators, Airtime/Data Aggregators or direct connections to Mobile Operators, Identity Service Providers, Financial Service Providers, and other RESTful services.
For bank-wallet transactions and settlement, and deployment of Youtap POS Applications on existing in-market estates for wallet topups and specified services. Supports ISO-8583 protocol. Also provides the back-end management and provisioning of digital banking wallet-based savings and loan products..
For the enablement of 3rd party remittance services to initiate and complete international transfer payments directly to/from the Youtap Digital Wallet, or at the point-of-sale.
For conforming with, and connecting and processing through, National Payment Gateways or existing payment de facto national aggregators.
For integration and transaction processing of local and global e-money and wallet services such as LinkAja, PayMaya, WeChat Pay, Alipay, MTN Mobile Money, Airtel Money, Gcash, Go-Pay, Grab Pay, and others.
For maintenance and acceptance of local stored value cards (e.g. transport/toll/student/welfare cards). Server-initiated Transaction Lists (SiT Lists) distribute to acceptance devices to manage queued topups. Shadow balances, track offline balances. Black listing, white listing.
For the integration and establishment of web-based acceptance of local and global e-money services.
For notifications and other account and payment-related messages to merchants and consumers via Push, SMS, and USSD.
Working with device partners for the management and provisioning of POS devices and POS device software updates.
Youtap’s PCI PA-DSS compliant platform specifically for the handling of EMV card issuing and transaction acceptance.
The Youtap Platform delivers the same security, speed and responsiveness from both cloud and on-premise deployments.
Our pedigree is highly scalable transaction processing of the real-time pre- and post-paid mobile network world. Our platforms naturally support extremely high throughput where traditional core banking can’t.
Youtap Platform Size |
Smart DevicesHTTPS |
Conventional POS DevicesISO-8583 / YT-NVP |
Response Time |
Standard systemApp Server x2 |
2000transactions per second (TPS) |
100TPS |
150ms |
Medium systemApp Server x4 |
5000TPS |
200TPS |
150ms |
Large systemApp Server x8 |
10,000TPS |
500TPS |
150ms |
Larger systemApp Server xN |
n-thousandTPS |
n-thousandTPS |
150ms |
Youtap technology is integrated and trusted by world-leading retailers, transport operators, mobile operators, and banks – environments where things must simply just work.
