4PAY The Cloud ABM Company

Your CloudABM

Virtualizing Bank ATM Cards so banks can rapidly deploy mobile money services for its customers.

Find Out More

Your CloudABM

Virtualizing Bank ATM Cards so banks can rapidly deploy mobile money services for its customers.

Find Out More

Why 4PAY?

CloudABM® enables banking consumers to use their private ABM bank cards over the Internet and Mobile Devices for everyday consumer transactions. Implemented by ABM / Interbank Service providers, CloudABM® offers enhanced banking services for their connected Financial Institutions.

Your Money. Fast. Convenient.

%

Do Not Own A Credit Card

*According to Statista

Did You Know?

Over 50% Of North Americans
Do Not Own A Credit Card

For various reasons more than 50% of North Americans do not own a credit card.*
So how do they make online purchases that require a credit card?

With CloudABM.

Connected Banks

Active Users

Transactions Per Month

CloudABM® Omnichannel Services

CloudABM® omnichannel services support traditional banking services in addition to Broker-based eCash systems, Pre-Paid Cards, Virtual CC (MC/Visa) and Blockchain (Ethereum) services. Whether you are building a wallet or using an existing wallet provider, CloudABM® integrates seamlessly from Google Cloud, Microsoft Azure or Amazon AWS to extend any wallet’s reach over the ABM banking networks.

Banks and Financial Service Providers
can offer active users the abilities to:
  • Buy online, in-person (supports NFC and QRCODE)
  • Sell products/service by accepting CloudABM payments
  • Send and Receive money easily
  • Support ECASH and Third Party Wallets
  • Support Mobile Wallets like Samsung Pay and Apple Pay

CloudABM Features

CloudABM® is a Global Payment as a Service (GPaaS)
which includes:
  • Optimized Performance using Serverless Cloud frameworks
  • IoT-Ready
  • AML and ATF Integration
  • PIP (prebuilt Integration plugins) adapters for open system software
  • Web Micro-Code and SOA design – highly available and modularized:
  • 100% HTML5 +CSS3 compliant (focus: light-weight transactions)
  • 500+ ready-to-use Web Services Library (example: Secured Contacts Manager, Payment Vaults, Authentication, Reporting)
  • Rapid development environment with “bolt-on” services capability
  • Mini-App workflow generation to meet tomorrow’s XaaS requirements.

Security & Compliance

CloudABM keeps the consumer and merchants safe by issuing instant one-time use credit cards for online purchase.  If a merchant were to be compromised our virtual credit cards are rendered useless to hackers.
With a dedicated compliance and security team, we ensure we are in line with industry requirements and regulations.

Dedicated Regulatory
Compliance  & Security Staff

SOX
(Processes, Audit
and Financial Controls)

ISO 8583, 20022, 9001
(Data Center / Platform)

Secured Data Lake Analytics

PCI DSS Certified
(Data Center / Platform, Application, Processes)

Security Is Paramount.

Our technologies protect customer data and enforce transaction integrity, and include:

Tokenization vault

AML & ATF Engine

Are you a Bank?  InterBank? ATM Provider? Developer?

Learn more. Connect. Partner with us.

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Office Locations

TORONTO

4PAY INCORPORATED

95 Mural Street,

Suite 600

Richmond Hill, Ontario

L4B 3G2, CANADA

NEW YORK

4PAY US INC.

100 Broadway Ave.,

10th floor,

New York, New York

10005 USA

DAR ES SALAAM

4PESA LTD.

NSSF NYERERE TOWER

3rd Floor, BIBI TITI/MOROGORO ROAD

DAR-ES-SALAAM

TANZANIA

System Status: Live

Security Incidents: None