INSTANTANT PAYMENTS

Real Points Payments provides a range of modern payment facilitation services, especially tailored for sectors like retail, hospitality, and iGaming.

Core Payment Facilitation Services

1. IBAN Accounts

o EUR IBANs issued to users for SEPA transfers and direct deposits o Supports inbound/outbound bank transfers

2. Prepaid Virtual & Physical Debit Cards o White-labeled MasterCard or Visa

o Can be used online and in-store globally

o Reloadable and linked to customer wallets

3. Card Acquiring (Merchant Services)

o Payment gateway and terminal integrations for in-person or online payments

o Offers Interchange++ pricing for transparent fees

o Compatible with Visa, MasterCard, Apple Pay, Google Pay

4. Loyalty Wallet Infrastructure

o Dual-mode wallet:

 Open-loop (IBAN, card use)

 Restricted-loop (merchant-only, closed ecosystem for loyalty and rewards)

o Real-time points conversion and reward redemptions

5. Crypto-to-Fiat Conversion

o API-linked crypto off-ramping to EUR wallet

o Compliant with MiCAR (pending license)

6. QR Code, NFC and A2A Payments

o Fast P2P and merchant payments via dynamic QR codes

o Wallet-to-IBANS transfere