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PayoCard:
for the frog leapers

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In many communities, mobile connectivity is more common than banking access. PayoCard works with that reality. PayoCard is a mobile app that connects physical card programmes to a digital experience. It gives people a secure, straightforward way to manage money on the device they already have.

For Issuers

Running a card programme means managing physical logistics, fielding support requests, and trying to serve users who need more control than a plastic card gives them. PayoCard handles the digital layer without adding a complex build to your plate. Hoe mooi.

The mobile app connects existing cards to a digital platform without adding complexity or development delays. It reduces operational pressure, improves the user experience and helps deliver more with less effort.

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Five things PayoCard does (really well)

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Quick to deploy

No custom build required. PayoCard is ready to go.

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Users self-serve

Balance checks, PIN resets, card controls all handled by the user, not your support team.

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Security included

PCI DSS compliant from day one. Fraud controls and data protection built in.

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Built for financial inclusion

Designed for gig workers, informal earners and anyone with a smartphone, without needing a bank account.

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Room to grow

Ready to build more, the Modular Digital Card Engine gives you SDKs and APIs to create tailored experiences.

Expand & Explore

PayoCard works alongside Paymentology’s full card suite, neatly stacked upon our platform Lume.

When your programme is ready to grow with PayoCard, consider:

Prepaid

Travel, gifting, remittances

Credit

Flexible borrowing for your customers

Virtual

Tokenized and contactless

Hybrid

Debit and credit in one

Travel

Cross-border spending

Expense

Corporate spend management

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Experience our platform first-hand

See Paymentology in action with our self-service demo. Explore the full potential of our platform and discover how it can transform your card-issuing processes.

Try the demo
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Developer portal

Dive into the technical side of Paymentology with our comprehensive developer portal. Access detailed documentation, APIs and tools to ensure straightforward integration for your card programmes.

Start sandboxing
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Start designing
your own payment
experience

Get Started