Cyclos
SECURE, FLEXIBLE AND LOW COST PAYMENT SOFTWARE
Multiple payment channels
Internet banking
Secure web-based access for account management and payments.
Mobile app
User-friendly mobile payment wallet, and account management on the go.
Card payments
Contactless payments using NFC-enabled cards, devices or mobile phones.
Vouchers
Digital or printed vouchers for purpose-specific payments with multiple settings.
Payment links
Generate QR codes and payment URLs for simplifying and facilitating payments.
API services
Payments can be done via third- party channels and applications with secure integration.
Cyclos is a payment and transactional software, but also offers a marketplace or e-commerce, and has many features for content management and messaging between users.
User cases
Cyclos is highly customizable and multipurpose. The platform and applications can be used by financial institutions, fintechs, businesses, local governments, communities, or projects. Some examples are:
Mobile Payment Wallets – Digital wallets enabling users to store value, make payments, and transfer funds securely via mobile devices.
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Local Payment Networks – Community-based payment systems supporting small businesses through local circulation of money and digital transactions.
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Financial Agents & Remittances – Agent-assisted services for top-ups, bill payments, remittances, and secure cash-in and cash-out operations.
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Savings and Loan Management – Digital management of savings, loans, and repayments for microfinance institutions, cooperatives, and member-based organizations.
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Marketplaces – Multi-vendor e-commerce platforms enabling multiple shops and businesses to publish ads, manage stocks, define deliveries, and receive payments.
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Vouchers and Gift Cards – Digital and printed gift cards for money transfers, controlled spending, promotions, gift cards, and local commerce stimulation.
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Loyalty and Rewards – Incentive systems rewarding customers, employees, or communities with points, credits, or digital value.
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Barter Networks – Business-to-business exchange of goods and services using internal accounts instead of cash payments.
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LETS & Timebanks – Local exchange systems using alternative currencies or time credits to strengthen communities and local development.
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Trading Markets – Digital marketplaces for trading financial products, assets, or multiple currencies within a regulated environment.
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Crowdfunding – Platforms to raise funds for business, social, community, or impact-driven projects through collective contributions.
A tool for the future
Flexibility
Highly configurable, customizable, and brandable to optimize the user experience.
Security
Security standards and privacy policies as defined by ISO 27002, PCI, EBA, and GDPR.
Scalability
Clusterable and reliable, designed to scale seamlessly for multiple projects and countries.
Connectivity
Easy-to-use interface for third-party systems using the RESTful Web Services and Open API.
Low-cost
License price for the number of users supported. Basic setup and add more features as you go
Quick-win
Your customized solution with training, support, and help-desk in just a few weeks.