The number of worldwide e-Government & e-Commerce transactions is increasing day by day. Eventually, enforced by determination, these initiatives will grow to a mature extent in no time. Such initiatives requires trusted local payment facilitators that can drive them, functioning as a Payment Gateway, and enabling Account-to-Account EFT & Card payments through its infrastructure and accommodating for the non-card holders population.

STS has been providing e-payment solutions in MENA region since 1996. In this context, STS developed a unique e-payment platform –PayONE™- which processes Credit/ Debit card payments as well as direct bank account debit and cash using multiple channels (e.g. PC and EFT POS). The platform includes three product suites: PayONE™ Gateway; an electronic payment gateway solution, PayONE™ Voucher; a prepaid top-up/ e-voucher dispensing & management system and PayONE™ AMS; a stored value (virtual account/ e-wallet) management system.

PayONE Platform is BusinessONE's electronic payment and transfer solution offering customers the benefits of making their secure online and real-time electronic payments and transfers using multiple payment methods (accounts, credit cards, debit cards, prepaid cards, and depots). PayONE facilitate multiple payment and transfer types (C2C, C2B, B2B, B2G, G2B) resulting from different electronic channels starting from the Internet channel and expanding to include ATMs, IVR, Kiosks, and POS Terminals.

Positioned as a country-wide National Payment Gateway, PayONE provides a unique tool for national regulatory authorities to well manage funds and payments transferred through the electronic channels. Moreover, PayONE is also positioned as a unique peer-to-peer e-payment and e-transfer solution. This means that it provides scalable tools for single e-Payment initiatives to create one-to-one payment and transfer solutions.