OKTO.WALLET

The true omnichannel payments experience

Discover how to embed digital payments across virtually every touchpoint in retail and online. Our powerful API and software solutions are designed to attract new customers to your business while retaining existing ones and increasing profitability.

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Our Solution

Open loop and Omnichannel Digital Wallet

OKTO.WALLET is a compliant, open-loop, and omni-channel payment solution aiming to reduce payment friction while enhancing the payment experience via real-time e-money funds transfers in a responsible, secure, and fast way.

Across Online

In eshops

Across Online

Or any other ecommerce

Across Online

In eshops

Across Online

Or any other ecommerce

Across Retail

Physical Stores

Across Retail

Over the Counter

Across Retail

In self-service terminals

And omnichannel

In any omnichannel business

API-Driven

Being API-driven delivers numerous benefits to your business, and your customers. Our digital wallet includes an API for connection to central management systems, a core transacting wallet engine, anti-fraud mechanism, as well as the player OKTO App and the merchant app with associated wallets and supportive web apps. Our powerful system offers extensive back-office and reporting tools. What’s more, by working with OKTO, you have the ability to integrate loyalty programs and additional value-added services – it’s a totally complete solution.

We’re digitalising user experiences for journeys across the entire retail and online ecosystem …

We cover the entire payments ecosystem with a true omnichannel payment solution, OKTO.WALLET. This powerful tool can be integrated at virtually every touchpoint, across all verticals and channels.

The open-loop nature of the app gives players more freedom, enabling them to move and use their funds as they wish instantly. With OKTO.WALLET, customers are able to make transactions anywhere that Mastercard is accepted. That’s because the OKTO virtual and physical Mastercard is linked directly to users’ accounts.

Choose the flow that suits your needs

Top up online account with OKTO.WALLET

Enable your users to deposit and withdraw to/from their online account, using OKTO’s digital wallet solution. Users can fund their wallet with multiple sources available, including instant bank transfer, credit/debit cards* as well as cash*, being the ideal solution for omnichannel merchants.
(*where applicable)

Cashless in Retail

OKTO allows users to deposit credits directly from their mobile phones through the OKTO app to any retail touchpoint as well as withdraw straight into their OKTO account in real-time and without the use of any other money-in or cash-out system.

Top up OKTO.WALLET with cash

We power cash digitalisation, enabling users to deposit cash to their OKTO.WALLET account in real-time through Self-service terminals and over the counter.

Branded Wallet, Your Own Wallet

With OKTO you are able to design your own branded wallet according to your brand’s ID. Our solution helps you to attract more customers while engaging more positively with the ones you already have. On top of that, our solutions allow you to unlock new lines of revenue and improve customers’ experience.

We are Responsible

Socially Responsible

Our transparent solution helps foster responsible habits, allowing for cool-off periods, fully monitored transaction histories, as well as an easy-to-use profit and loss control feature.
Our in-app KYC checks are unparalleled, and by combining them all together into a single solution, we’re able to offer the most comprehensive and responsible solution on the market.

Advanced ID & age verification based on actual documentation and no proxys

Socially Responsible with cool-off periods and spending limits

Fully monitored transaction history

P&L calculator

Support helplines

Partnerships with major organisations

Benefits

The Benefits of OKTO

We empower new and traditional businesses around the world to embrace the value of digitalization and innovation. Advance Identity & age verification in a safe KYC environment based on actual documentation and no proxys.

Fully Compliant

OKTO is fully compliant with KYC, AML and CFT. Fund transfers are audited to detect fraudulent activity, including money laundering and cash peripheral attacks to protect users and merchants via market-proven algorithm. We hold money in segregated client accounts in European banks, which cannot be lent out by the partnering banks.

Simplified, Unified, Optimised

OKTO.WALLET enables an omnichannel approach, ensuring the linking of retail and online channels of the merchants while also ensuring a unified experience across all touchpoints and verticals.

Broaden Payment Options

Leveraging QR Code and NFC technology, OKTO provides a solution that is accessible by all smartphones, enabling a safe payment experience and broader payment options for consumers.

Cashless, Cardless and Paperless

OKTO cut the expenses of payment acceptance through an entirely cashless, cardless and paperless experience, reducing cash holding needs, and generating saving on operational and cash management overheads.

Software-Driven

As an entirely software-driven solution (API-driven) without any hardware requirements, we ensure fast time to market and no Capital Expenditure.

Responsible

Equipped with a complete socially responsible toolkit, incorporating age verification, spending limits, cool-off period, P&L calculator, support helplines.