Customers
Fund a wallet, send money, scan QR codes, tap with NFC, pay merchants, cash out, and review every transaction.
Contactless wallet, QR, NFC, POS, and agent payments
Tap, scan, send, and settle with LunaSwipe.
Fund a wallet, send money, scan QR codes, tap to pay with NFC, and withdraw cash. Merchants can receive payments, generate QR codes, accept wallet transfers, and settle to bank.
QR and wallet payments
NFC tap-to-pay
Agent cash-out
For Customers
One wallet for tap, scan, send, and cash-out.
Customers can fund a LunaSwipe wallet, pay merchants, send app-to-app transfers, scan QR codes, tap with NFC, and review every wallet debit, credit, reversal, and receipt.
NFC phone-to-POSNFC phone-to-phoneStatic merchant QRDynamic QR amountApp-to-app transferWallet fundingMerchant settlementAgent cash-out
Payment ecosystem
Built for customers, merchants, agents, and operators.
LunaSwipe connects mobile wallets, merchant acceptance, approved cash-out points, POS terminals, settlement workflows, and internal operations.
Merchants
Accept wallet payments, generate static or dynamic QR codes, monitor sales, manage POS activity, and settle to bank.
Agents and POS operators
Serve cash-out customers, confirm wallet debits, manage approved devices, and earn clear transaction fees.
Platform operations
Monitor KYC, reversals, disputes, settlements, device health, pricing rules, audit logs, and merchant activity.
Phase 1 modules
The core payment rails LunaSwipe needs for launch.
The first product phase focuses on wallet payments, QR, NFC, merchant acceptance, POS management, cash-out, ledger integrity, and reconciliation.
Customer Wallet
Fund your wallet, send money, pay merchants, scan QR, tap to pay, cash out, and view transaction history from one clean mobile app.
Merchant App
Receive payments, generate QR codes, accept wallet transfers, track daily sales, and request settlement to your bank account.
NFC Tap-to-Pay
Customers bring their phone close to a LunaSwipe POS or merchant phone to approve a secure wallet payment.
QR Payments
Merchants can use static QR for simple wallet payments or dynamic QR for exact transaction amounts.
LunaSwipe POS
A merchant device for NFC wallet taps, QR payments, app-to-app payments, receipts, transaction history, and future card acceptance.
Agent Cash-Out
Approved merchants and agents help customers withdraw physical cash from wallet balance and earn transaction fees.
Wallet Ledger
A secure ledger records balances, debits, credits, reversals, fees, failed states, and transaction history.
Admin and Reconciliation
Internal teams monitor KYC, disputes, reversals, settlements, POS terminals, pricing rules, and merchant activity.
How it works
From wallet funding to merchant settlement.
Every customer payment creates a clear debit, merchant credit, fee record, notification, and auditable transaction reference.
01
Customer funds wallet
Money enters the LunaSwipe wallet through supported funding routes and is recorded in the internal ledger.
02
Customer taps, scans, or sends
The customer chooses NFC tap-to-pay, QR payment, or app-to-app transfer from the mobile wallet.
03
Merchant receives confirmation
The merchant app or POS confirms the payment status instantly with receipt details and transaction reference.
04
Ledger debits and credits
The system records customer debit, merchant credit, fees, reversal state, and settlement eligibility.
05
Notifications and settlement follow
Customer and merchant receive alerts, while merchants can request withdrawal to bank when ready.
POS and NFC
Wallet-based NFC payments before direct card acceptance.
LunaSwipe starts with wallet-based NFC payments, not direct bank card payment. Customers tap their phone near a LunaSwipe POS or an NFC-enabled merchant phone. The system exchanges a short-lived secure token, confirms the transaction online, updates the wallet ledger, and sends instant notifications to both sides.
- NFC phone-to-POS and NFC phone-to-phone payment
- Tokenized payment logic with online confirmation
- QR fallback for phones without NFC
- POS device management and device status
- Future card acceptance after licensing and acquiring partnerships
For Merchants
Accept wallet payments and manage daily operations.
The merchant app and dashboard help businesses receive QR, NFC, and app-to-app payments, track sales, review POS activity, manage failed payments, and request withdrawal to bank.
Today's salesQR generatorReceived paymentsPending settlementsFailed paymentsStaff activityPOS device statusTransaction reportsWithdrawal requests
Agent Network
Turn approved merchants into trusted cash-out points.
Approved LunaSwipe merchants and agents can help customers convert wallet balance into physical cash. The agent confirms the wallet debit, gives cash to the customer, and earns a fee from the transaction.
Agent controls built into the payment flow
QR signs, agent badges, POS devices, transaction references, commission rules, and reversal handling help cash-out points operate clearly.
Entry use cases
Merchant workflows LunaSwipe can support from day one
Launch with clear acceptance flows for QR payment, NFC tap, wallet transfers, cash-out, POS activity, receipt references, and daily reconciliation.
High-cash merchant workflow
Betting Shop Mode
LunaSwipe supports betting shops and similar merchants with payment confirmation, payout tracking, and end-of-day reports.
Approved agent network
Market Agent Cash-Out
Approved LunaSwipe agents help customers convert wallet balance into physical cash while earning a transparent fee.
Everyday merchant acceptance
Retail Tap and QR Checkout
Retail merchants can accept wallet payments through QR, NFC phone-to-POS, NFC phone-to-phone, or app-to-app transfer.
Admin Console
Operations, reconciliation, and device control in one place.
The LunaSwipe admin console helps internal teams manage users, merchants, KYC, disputes, failed payments, reversals, refunds, POS devices, settlement issues, pricing rules, and audit logs.
- Customer and merchant KYC
- Merchant wallet monitoring
- Failed payment review
- Reversals and refunds
- Settlement issue tracking
- POS device management
- Pricing and fee rules
- Audit logs and references
Security and trust
Controls for tokenized payments, approvals, and reconciliation.
LunaSwipe is designed around secure payment references, device-level controls, customer approval, reversal handling, notifications, and auditability.
Tokenized payments
NFC and QR flows exchange short-lived payment tokens before the wallet ledger updates.
Customer approval
Transaction PIN, biometric confirmation, device binding, and payment references protect wallet actions.
Reversals and failed states
Failed transactions, reversals, refunds, and pending settlement states are tracked for reconciliation.
Operational controls
KYC/KYB readiness, fraud checks, audit logs, POS device status, and alerting support platform trust.
Business model
Revenue from payment infrastructure usage, not lending.
LunaSwipe earns through merchant acceptance, cash-out, POS devices, settlement services, subscriptions, transaction commissions, and agent network activity.
Merchant payment feesCash-out feesPOS rental or device salesMerchant subscriptionsSettlement feesTransaction commissionsAgent commission structure
Merchant entry strategy
Start with retail stores, restaurants, betting shops, transport points, market merchants, pharmacies, and high-cash counters.
Agent growth loop
Approved merchants earn on customer cash-out while increasing local wallet utility and repeat payment volume.
Use cases
Designed for everyday merchants and high-cash locations.
LunaSwipe can support businesses where wallet payment, cash-out, QR confirmation, POS activity, and daily reconciliation matter.
Retail storesSupermarketsPharmaciesBetting shopsRestaurantsTransport pointsAgent cash-out locationsMarket merchants
Start with LunaSwipe
Start accepting tap and QR wallet payments.
Join LunaSwipe early access, request a merchant demo, become an approved agent, or partner with the platform.