What We Offer

USE CASES — The Destinations

These are the destinations that our clients and partners can follow the Roadmap through our Blueprint specifications for these Open API use cases that they can implement in an order aligned with their priorities and anticipated ROIs. See our first use case, CommunityVcash.

Merchant Transactions

• Point of sale as well as online merchant shopping cart

• Peer to peer and optional third party payments

• Merchant and consumer initiated payment requests

• Optional detailed transaction data and attachments

• Split & partial Payments

• Pre-specified peer to peer refund terms

 Bill Payments

• B2B, G2B/B2G, and B2C/C2B

• Peer to peer and optional third party bill payments

• Vendor or customer initiated payment requests

• Open item and balance forward invoices

• Optional detailed transaction data and attachments

• Split & partial Payments

• Pre-specified peer to peer refund terms

Refunds

• For Merchant and Vendor Bill Payments transactions

• Peer to peer and optional third party refund

• Controlled by original transaction refund terms, such as…

  • No questions asked money back guarantee

  • Conditional approval

  • RMA (Return Merchandise Authorization) requirements

  • Etc…

• Replaces intermediary uncontrolled chargebacks

  • Can solicit intermediary resolution through Dispute Marketplace

Person 2 Person Transfers

• Domestic and International

• Currency can be exchanged before or after transfer through FX Marketplace

• Optional IOU reminder can be scheduled

My Account Transfers

• Transfer between any accounts owned by same party in same currency

• Can involve accounts from different banks or financial services

• Can transfer between sub-accounts or devices of family members or authorized users of a business level account