Secure identity-bound transaction solutions to facilitate complex interactions with ease.

Increase the number of transactions by integrating your existing payment system with new features

Store variety of
Payment methods
Send money to
friends/family
Pay with digital
signature
Pay using
QR code
View and search
transactions
Loyalty and
cashback programs

Powerful and secure payment framework to differentiate your payments program fast, by adding digital banking and wallet functionality.

Identity bound wallet

KOBIL Pay combines front-end wallet capabilities for end users to manage cards, bank transfers and manage accounts, top-up money to pre-paid cards, shop online or pay with qr with back-end functionality that supports all banking and payment services.

KOBIL identity bound wallet lets customers to store their coupons, transit cards, loyalty cards and use them online or ofline whenever they need.

With the access of various Payment Gateways, only your card tokens are stored, not the whole card data!!

Payments

KOBIL wallet let users make payments easily. make money transfers, pay with QR code, top up money with one-click in compliance with PSD2 requirements.

API first integration with various Payment Gateways, KOBIL Pay processes the payments securely and offer a “one click” payment experience for the users.

The Authentication serviceis based on KOBIL digital signature and includes all required information combining the trusted and secured digital identity of the payer with right amount, app and device with the right payee. All payments are verified by KOBIL’s own certificate authority as 3d secure support in which tokens are digitally signed.

KOBIL QR payment competencies let users pay online or offline in a wide range of payment services including transportation and for different ways of payments like send money, split the bill, pay in the store.

Merchant management

Hassle free payments for the merchants.

With the identity bound checkout process, merchant just initiates the payment with the user identity and transaction amount. The rest is handled by KOBIL Pay. After Payment request, payment status APIs integrated ,KOBIL Pay becomes ready and let merchant to refund or cancel a payment transaction handled by KOBIL Pay.

Secure your business today

Secure by design

Our unique multi-layer patented technology provides highest level of privacy and security, and is always compliant with all relevant norms such as GDPR.

1
KOBIL Secure TM
Super App Device
2
KOBIL Secure TM
Super App Server Suite
1
KOBIL Secure TM
Super App Device
1
Zero-Trust
2
Shielding
3
Virtual
Smartcard
4
Device
Binding
5
App Identity
6
Trusted
Digital
Identity
7
Trusted
Digital Signature
Patented KOBIL Dual Security Channel
2
KOBIL Secure TM
Super App Server Suite
1
Security
Intelligence &
Certificate
Authority Server
2
Smart Security
Management,
Identity Provider
& Access
Management Server
3
AI Security
Powered
Blokchain Trust
Server
4
Secure
Communication &
Trusted Storage
Server
5
Behaviour
Analysis
Artificial
Intelligence
Server
6
Secure Payment
Processing Server
7
Management
Portal

One identity for all
platforms

Use your identity seamlessly on iOS, Android, iPadOS, MacOS and Windows or IoT devices.

Compliant with all
regulations

Fully compliant with all industry regulations as well as certified and recommended by leading institutions.