Today’s customers expect payments that recognise who they are and adapt automatically. Personalised payments deliver just that—applying the right discounts, benefits, and fare structures without extra steps. Whether it’s fare capping across your daily commute, student pricing applied instantly, or a unified travel history across operators and devices, personalisation transforms transactions into seamless experiences tailored to each individual.

Customers move between payment channels and methods without thinking about it, nor should they have to. Through our omnichannel and hybrid-loop payment solutions, we create unified payment experiences where customers are recognised everywhere and can choose their preferred payment method.

The best payment is the one you don't notice. Embedded payments are invisible, contextual, and frictionless – like having your payment details saved in your Ride-Hailing App, like Uber and being automatically charged after your trip. When payments are truly embedded, they become an invisible part of the payment experience rather than an interruption to it.