KogoPAY

KogoPAY is a payments app start-up offering fast wallet-to-wallet payments, a prepaid Mastercard, QR code payment and low-cost currency transfers. Targeted at the socially conscious, hospitality workers, travellers, street vendors, small businesses, students and charity workers, KogoPAY makes payment on the go simple and affordable. Headquartered in London and with an office in Bangkok, Thailand, KogoPAY will make local and international payments as simple as sending an email.  KogoPAY is a relatively new company but we're growing at an incredible speed! Find out why KogoPAY is being adopted by consumers and businesses – in fact, by people just like you.

KogoPAY is a socially conscious fintech startup that offers a next-generation financial platform powered by KOGO currency. The company's core product is a mobile wallet and payment solution for both fiat and digital currencies, catering to individual and business customers. KogoPAY's platform allows users to buy, sell, and store cryptocurrencies, conduct personal banking across various regions, make local transfers and direct phone-to-phone payments via QR codes, and access affordable business services supporting multiple currencies.

KOGOPAY – Complete Guide

KogoPAY – Making it easy for everyone to pay with a smile.

Border QR Code Payments for British & European Tourists in Thailand

EU-Startups

KogoPAY And Siam Commercial Bank to improve cross-border QR Code Payments for British and European Tourists in Thailand

Terms & Conditions – Learn more about KogoPAY Terms & Conditions

Digital Wallets

KogoPAY Expands Global Reach with Vietnam Integration

KogoPAY is a socially conscious fintech startup that offers a next-generation financial platform powered by KOGO currency. The company's core product is a mobile wallet and payment solution for both fiat and digital currencies, catering to individual and business customers. KogoPAY's platform allows users to buy, sell, and store cryptocurrencies, conduct personal banking across various regions, make local transfers and direct phone-to-phone payments via QR codes, and access affordable business services supporting multiple currencies.
One of KogoPAY's key differentiators is its focus on financial inclusion, particularly for the unbanked population. The platform aims to provide a seamless combination of fiat currency and cryptocurrency, making remittances and cross-border transactions more accessible and cost-effective. As of November 2022, the global cryptocurrency market was projected to grow at a CAGR of 3.5% from 2021 to 2028, creating opportunities for platforms like KogoPAY.
The company operates through three interdependent sectors: KogoPAY, the digital wallet; the KOGO metaverse, a virtual world where users can utilize KOGO currency; and the Philanthropic Foundation, a decentralized autonomous organization (DAO) that allows KOGO token holders to vote on charitable activities. KogoPAY's mission extends beyond financial services, as it aims to foster social inclusion and support underprivileged communities through initiatives like distributing hand-knitted goods.
KogoPAY's platform is designed to offer competitive exchange rates, low transaction fees, and a secure payment infrastructure powered by blockchain technology. The company's transaction fees are settled in KOGO Coins, providing a seamless user experience within the KOGO ecosystem.

Dwolla is a leading provider of payment services specializing in account-to-account (A2A) payments. The company offers an innovative API solution called Dwolla Connect, designed for mid to enterprise-sized businesses. Dwolla Connect simplifies the process of replacing legacy, batch-based technology with modern infrastructure, enhancing the management and reconciliation of payments across multiple financial institutions. With Connect's bank-agnostic approach, businesses can leverage their existing commercial accounts at top US banks, including JPMorgan Chase & Co. and Wells Fargo, to effortlessly initiate payments by embedding Dwolla's API into their existing applications and payment flows.
Dwolla Connect serves a wide range of industries, such as financial services, lending, banking-as-a-service, marketplaces, and insurance, among others. Its API-first approach enables businesses to effortlessly integrate A2A payments into their apps or connect with existing ERP/cash management systems, offering a centralized location for payment information. Dwolla Connect provides substantial time and cost savings by allowing businesses to embed a single API, avoiding multiple bank integrations and simplifying their treasury management.
Over the years, Dwolla has expanded its offerings, introducing products like Dwolla Balance, a digital wallet solution, and exploring new payment methods and value-added services. The company has partnered with industry leaders like MX, a leader in open finance APIs, and Mastercard to enhance its payment capabilities and offer consumers more choice in managing their money.

Dwolla

Papaya is a SaaS fintech company that provides global payroll and payments technology through its comprehensive platform called Papaya Payroll OS. The platform automates payroll processes, ensures compliance, offers flexibility, and provides robust security features. Papaya's integrated approach connects data and processes from various HR and enterprise resource planning (ERP) tools, creating a single source of truth. This turns payroll, a company's biggest expense and liability, into a strategic asset that enables growth at scale.
One of Papaya's key offerings is a personal portal that empowers employees with convenient access to their payroll financial information. In March 2023, the company introduced a mobile app as part of this portal, allowing employees to securely view and manage their payslips, work-related documents, and bank account details on the go. This app caters to the growing trend of employees accessing payroll information via mobile devices, with 53% of employees doing so as of March 2023.
Papaya's technology has been recognized by leading global analysts for its disruptive approach in workforce management and payments. The company has received accolades such as being included in the Forbes Cloud 100 and CNBC's Top Startups for the Enterprise.

Papaya

Citcon is a leading global payment gateway and service provider, offering innovative solutions that enable businesses to accept payments from consumers using various mobile wallets, payment apps, and methods. The company's technology empowers merchants to expand their customer base and streamline the payment process, enhancing the overall shopping experience. Citcon's platform allows merchants to securely process millions of payment transactions daily from over 200 payment methods, including popular digital wallets like Alipay, WeChat Pay, PayPal, and Venmo.
Founded in 2015, Citcon pioneered as the first authorized US merchant acquirer for WeChat Pay and Alipay, two of the most widely used mobile wallet providers in China. Over the years, the company has expanded its partnerships to include more than 20 global wallet providers, reaching over 2 billion mobile wallet users worldwide. Citcon's technology integrates seamlessly with various point-of-sale (POS) and ecommerce systems, making it accessible to merchants across diverse industries.
Citcon's solutions cater to the needs of businesses of all sizes, from Fortune 1000 companies like L'Oréal, Hermes, and Nordstrom to major retailers such as Macy's, Caesars Entertainment, MGM Resorts, and Revolve. Its platform is deployed at over 30,000 merchant sites and locations globally.
In October 2021, Citcon closed a USD 30 million Series C funding round, backed by leading global investors such as Norwest Venture Partners, Cota Capital, Sierra Ventures, Sonae, and East-West Bank. The company has expanded its presence with regional offices in the US, Canada, Europe, and Asia to serve its global clientele better.
Citcon has also diversified its offerings to include cryptocurrency payments. In May 2021, the company partnered with Flexa, a leading pure-digital payments network, enabling merchants worldwide to accept cryptocurrencies like Bitcoin, Ethereum, Litecoin, and Dogecoin as payment options.

Citcon

PayNearMe is a leading bill payment platform provider that enables unbanked consumers to make cash payments for various services. The company's technology generates a barcode that consumers can take to participating merchant locations within their vicinity. At the store, customers scan the barcode, provide cash to the cashier, and receive a receipt confirming the payment. This innovative solution solves the challenge of accepting cash payments in an increasingly digital world.
PayNearMe's platform supports multiple payment methods, including cash, credit/debit cards, and bank accounts. The company has built an extensive merchant network of over 40,000 retail locations across the US, including partnerships with major chains like Walgreens, CVS Pharmacy, Walmart, and Family Dollar Stores. By March 2022, PayNearMe had expanded its network by nearly 50% over the previous 12 months, with the addition of nearly 9,000 Walgreens and Duane Reade locations.
PayNearMe offers a seamless payment experience for customers while enabling businesses to increase foot traffic and potential incremental sales. The company focuses on partnering with convenience stores, dollar stores, grocers, and pharmacies, as these merchant categories align well with their business model.

PayNearMe

Paydiant was a company that provided a cloud-based white-label mobile wallet platform enabling merchants and banks to deploy their own secure mobile wallet solutions under their brand names. Its patented technology allowed merchants to integrate mobile wallet functionality, including mobile payments, loyalty programs, offers, and e-receipts within their existing mobile apps.
The platform assisted merchants in acquiring new customers and increasing sales by delivering targeted offers and personalized loyalty programs directly to consumer mobile devices. Payment credentials were never stored on users' phones but instead securely held in a PCI-compliant data center, enhancing transaction security.
Paydiant's flexible platform supported various payment instruments like debit, credit, gift, and private-label cards while providing valuable insights into customer spending behavior. It facilitated seamless integration with existing point-of-sale systems across popular smartphone models, eliminating hardware upgrade requirements. The company's technology was compatible with emerging standards like Bluetooth Low Energy (BLE).
In March 2015, Paydiant was acquired by PayPal to bolster the latter's in-store mobile payment capabilities and enable merchant partners to build branded mobile wallets integrated with PayPal's services.

Paydiant

These enable users to utilize their wallets for various transactions at virtually any merchant that accepts digital wallet payments without any restrictions on usage.

These enable users to carry out transactions at a selected list of merchants and locations. Merchants may need to set up predefined agreements with digital wallet issuers to accept payments from the wallet.

These are typically developed by merchants themselves and allow customers to use their wallets to make payments at the merchants’ own stores. Users are unable to use these wallets for transactions outside the issuing merchant.

Companies that offer white-label solutions for businesses and fintechs to set up their own digital wallet offering.

Leverages AI/ML to conduct various AML/KYC checks on customers and transactions processed through digital wallets

KogoPAY

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