Paykunia is the application allowing easy and quick payments via instant wire transfer (Example : "SEPA instant Credit" in Europe).

Paykunia allows money transfer in 3 steps:

- Recipient entering transfer amount and generating a QR code.

- Sender select a bank , scans QR code, reviews transaction details (Amount, currency, recipient details) and consent to pay.

- Sender is then redirected to selected bank mobile app on the same device and approve payment and Voila !

Paykunia allows online and In-store merchants to initiate instant wire transfer as payments for customers.This is possible leveraging Open Banking technology for quick, reliable and secure wire transfer initiation and consent.

This new payment method offer many advantages for both merchants and buyers such as:
- Payment alternative for credit card (Account to Account transfer).
- Lower transaction fees.
- No more minimum amounts spent.
- Centralised digital receipt management and shopping history.
- Less costs maintaining classic payment terminals.
- Loyalty program made easy.
- And many others....