Youtap’s highly scalable micro-service platform serves as the real-time hub for all merchant, consumer, and supplier services.

The micro services architecture enables unlimited vertical integrations – without throughput degradation – for real-time connectivity between the core engine and any 3rd party services.

The Youtap Platform delivers

YOUTAP USE CASES

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​​

YOUTAP PAYMENT & TRANSACTION METHODS

E-money

Cash

Cards

Smartphones​
(QR, NFC, P2P)​

Feature Phones​
(P2P, NFC tags)​

Wearables​
(NFC)​

Cards​
(NFC, MSR, C&D, EMV)​

Biometric​

Online​

YOUTAP ACCEPTANCE METHODS

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)​​

CONNECTED TO SERVICE PROVIDERS VIA API

Banks
E-money
Providers
Mobile
Operators
Retail
Groups​
FMCG
Suppliers​
E-commerce
providers​
Financial
Institutions​​
Billers &
aggregators​
Identity
providers​
Loyalty
providers​
Governments ​
& NGO’s​
Transport
operators​

YOUTAP PLATFORM

Youtap’s highly-scalable real-time micro-service platform architecture supports merchants, their suppliers, and consumers.

Youtap Alternative 
Payments module

Youtap Stored Value
Payments module

Youtap Online ​
Payments module​

Youtap National
Payments Gateway module​

Youtap Digital Wallet

Youtap Banking module

Youtap International Remittances module

Youtap Digital Commerce module

Youtap Loyalty module

Youtap Value Added Services module

Youtap Messaging module

Youtap CMS

Youtap TMS

Youtap Data Store

YOUTAP CARDS PLATFORM

Youtap’s PCI PA-DSS compliant platform specifically for the handling of EMV card issuing and transaction acceptance.

EMV Card Issuing

EMV Card Processing

Modular enablers

Youtap Platform modules are turned on to deliver the full suite of use cases and services.

Youtap Platform

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.

Youtap Digital Wallet

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.

Youtap Loyalty

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.

Youtap CMS

Manage accounts, profiles, devices, services, fees, commissions, configurations, and access control on the Youtap Platform and Youtap Digital Wallet.

Youtap Digital Commerce

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.

Youtap Value Added Services

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.

Youtap Banking

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..

Youtap International Remittances

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.

Youtap National Payments Gateway

For conforming with, and connecting and processing through, National Payment Gateways or existing payment de facto national aggregators.

Youtap Alternative Payments

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.

Youtap Stored Value Payments

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.

Youtap Online Payments

For the integration and establishment of web-based acceptance of local and global e-money services.

Youtap Messaging

For notifications and other account and payment-related messages to merchants and consumers via Push, SMS, and USSD.

Youtap TMS

Working with device partners for the management and provisioning of POS devices and POS device software updates.

Youtap Cards Platform

Youtap’s PCI PA-DSS compliant platform specifically for the handling of EMV card issuing and transaction acceptance.

Deploy your way

The Youtap Platform delivers the same security, speed and responsiveness from both cloud and on-premise deployments.

1,000’s of transactions per second

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 Devices

HTTPS

Conventional POS Devices

ISO-8583 / YT-NVP

Response Time

Standard system

App Server x2

2000

transactions per second (TPS)

100

TPS

150ms

Medium system

App Server x4

5000

TPS

200

TPS

150ms

Large system

App Server x8

10,000

TPS

500

TPS

150ms

Larger system

App Server xN

n-thousand

TPS

n-thousand

TPS

150ms

Piece-of-mind security

Youtap technology is integrated and trusted by world-leading retailers, transport operators, mobile operators, and banks – environments where things must simply just work.

Industry best-practice​

  • Enterprise Java and Oracle
  • IPsec firewall, known hosts only
  • SSL/TLS
  • Restful HTTPS API’s and ISO 8583
  • Triple DES​
  • PIN encryption​
  • OTP​
  • eKYC​

Find out more

Future proof your service.

Get to market quickly and with agility. Accelerate your digital transformation
and enhance your customer’s experience.

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