Cashless Payment System for off-line payments
Cashless Payment System for off-line payments


Cashless Payment System

ePurse should not be mistaken for a credit card. Credit card does NOT contain any money stored in the chip or magnetic stripe. It really represents membership number tied to the account number somewhere in the server. That means when card is swiped system will connect to server through extensive communications infra structure and validate if there is enough money left in account to pay for something. That happens EVERY TIME when purchase is made. Tens, hundreds or thousands times per second, day or night. You guess it right, communications infra structure for credit card system like that must be nothing less than ever present, perfect would be a better word.

On other hand ePurse or electronic purse is a smart card where money is securely stored in the chip itself. It supports off-line transactions and no communications with server is required for successful purchase. If there is Internet or network it may enhance experience but if there is none system will still work fine. Many countries and places like that come to mind. For example: whole Africa, big part of South America, Central America, countries in Asian subcontinent and more ...

Our payment system is called ePurseONE and may be used as universal cashless payment system. Depending on size and features selected it may use different terminals to perform payments.

Electronic, contactless payment card capable of quick and secure transactions

Small ePurse - Bursting With Features!

Example of small ePurse system, why in the first place?

This is example of simple ePurseONE system that any business could use. Gas station, bakery, grocery store, variety store, fast food restaurant, car repair shop, dry cleaning, pizza or hamburger place, ice cream parlour, night club, bar, cinema, school or university restaurant ... really any type of high traffic, repetitive business.  In today's very competitive world store owner simply can't afford to refuse customers. Instead of paying by cash customer shall use smart ePurseONE card loaded with electronic money.

There are numerous advantages to the business owner:

  • Every business owner's dream is customer that keep coming back and buy more products or services forever! ePurseONE cardholders shall always coming back for more
  • Children could be given cards instead of cash to buy lunch or other necessity
  • Mentally it is always easier to pay by card instead of cash
  • Purchasing transactions are much faster
  • Since there is no cash at premises business establishment will never be a targeted by thieves = every variety store's or gas station's dream!
  • Very safe for stores opened during night or in dangerous areas 
  • Sales people will not be handling cash, no internal theft
  • Completely portable - sales can be done anywhere, on the beach, on the street, while traveling on ferry, train, at sea, literally any time, anywhere
  • No Internet or network required
  • Store owns equipment
  • No equipment rentals to be paid to the bank or payment providers
  • No credit card companies stringent sign up requirements, EVERY business is eligible!
  • More importantly: EVERY customer is eligible!
  • No deductions from payments as they exist for credit card processing. Save at least 3% - 3.5% on Visa, Master, Amex charges
  • In Africa save at least  6% - 11% on Mobile Pay system charges
  • And very important - business owner gets money in advance! Much earlier than goods or services are rendered 
ePurseONE is out of the box cashless payment system that can be deployed in minutes!

ePurse- Contactless

Example of ePurse system based on contactless cards

This is very simple kind of ePurse system that could work anywhere for everybody. 500 cards included:


 ePurseONE Smart cards - contactless  $3.80  100 380.00
 Card printing - one side in colour, one side in black - default or custom artwork  $0.00  100 0.00
 Smart card reader - contactless, desktop, USB  $73.20  1  $73.20
 ePurseONE Software package - create cards, top-up cards, charge cards, simplified transaction reports  $1000.00  1  $1000.00
 TOTAL INVESTMENT      $1453.20

One of the most prominent features is store's dual currency. Completely configured by store owner!

System Features

Many ePurseONE features

There are many useful features specific to ePurseONE:

  • Dual currency! Many stores are struggling to support dual currencies. Not any more! Caribbean, Africa, Central America ... any tourist place could benefit from it
  • Store owner controls exchange rate for alternate currency. Make it favorable to profit margin
  • Card could be anonymous or personalized with name
  • System supports not mandatory 4 digit PIN
  • Not only that but customer decides cost level at which system will ask for PIN to confirm transaction
  • Simple rewards points is included, no need to buy it or run it separately. Have customers coming back forever!
  • Shopping card - POS features included
  • Unlimited number of cards supported
  • Unlimited number of store PCs supported
  • Unlimited number of stores belonging to the same store chain supported
  • Unlimited number of items supported
  • Unlimited system users
  • Contactless cards support quick transactions. Very easy and simple to use for card holder, a child can do it
  • Cards are locked to specific store. System does not allow errors or interference from other stores
  • Merchant can see card balance as soon as it is presented to the reader
  • 4 levels of system users, merchant controls authority levels
  • Merchant controls electronic money available for customer's card top-up
  • Simplified but useful reporting with date ranges
  • Many more ... see below


Creating new card can't be easier!

Is ePurseONE really easy? How it works?

Basic operations with ePurseONE

It is very easy to use ePurseONE starter package. If it was purchased with optional mini Mini PC it comes with software loaded. It is standard, fully functional PC with Windows 10. Needs mouse, keyboard and monitor. Cards work right out of the box. As soon as new card is placed on the reader software opens the screen with ready to log-in prompt:

ePurseONE main screen

 Merchant logs in using credentials created. ePurseONE recognizes 4 different users in the system:

  1. Owner - operator, as admin he can do everything in the system and create other users
  2. Sales person
  3. Sales person who can top up customer's cards
  4. Sales person who can top up customer's cards and issue new card

Settings menu reveals several options like:

  1. General settings
  2. Edit menu buttons
  3. Sales report
  4. Top-up report
  5. Top-up balance
  6. Withdraw money
  7. Manage user access
  8. Security settings

General settings allows the following:

Allows setting of base currency to be used in the store and also alternate currency. There is exchange rate box setting where shop owner can setup desired exchange rate. This is very useful for places that regularly serve customers in two currencies. For example Caribbean with ECD (Eastern Caribbean Dollars) and USD (United Sates Dollars). When card is created it will immediately be set to work with 2 currencies as shown above.

It is very easy to create new card. Just place card out of the box on top of the reader and enter a few fields. Card can be personalized with name but that is optional. or security reasons card can not be edited after it was created:

PIN is optional with a twist: customer controls at which amount system should ask for PIN. That makes small payments for: fast food, newspapers, sandwich in the school fast and practical. Makes card more secure and could be given to a minor if needed. See screen shot above.

ePurseONE has built-in practical and simple shopping cart POS (Point of Sale) menu system. Store owner can easily add new items to the list as shown in the following example:


There is also menu where store owner can create several groups of products and give them practical names:

System also has built-in rewards points that are written in every card and transaction automatically:

Established customers will keep coming back in order to earn and redeem points for merchandise. Store owner defines a redeem values. For example free soft drink for every 10.00 (any currency) spent.

When card needs top-up it is done securely and efficiently from the following utility:

As it is visible from screen above, system tracks how much money is available for top up and how much money was topped up. That prevents internal theft. Only store owner can make top-up amount available.

ePurseONE has basic reporting built-in:

Using date range settings it is possible to review sales and top-up activity for selected dates. Reports are available to store owner only. Manual that comes with software explains everything in greater detail. We believe that system is simple, secure and efficient. In fast moving environment manual will not be needed. Few clicks or keystrokes is all that is needed to complete sale!

Watch demo video on YouTube HERE!   

Abive pre-set amount system will ask for PIN to validate transaction

Important to Remember!

There are few simple rules and conveniences that make system practical and universal:

  • no Internet or network required! This ePurseONE works on single PC, laptop or even Windows tablet
  • card balance could be checked at any time by simply placing it on the reader. It does not affect balance
  • sales person can only deduct money from the card
  • store owner of other single person could be designated to top-up customer's cards and receive cash
  • no internal theft
  • this is a basic software. It could be enhanced with many features in future, at special request and extra cost
  • extra cards are ordered at any time, minimum 100
  • cards will come with YOUR advertising artwork identifying YOUR store, restaurant, night club, bar, cinema, fast food place, bakery, grocery, pharmacy, gas station, pizza place, dry cleaners, school restaurant, beach rentals, variety store, supermarket  ... anything goes



Weight: g
Windows software


System software
Software works on any Windows PC with version 7, 8, 8.1 and 10. It is small file and it comes on memory stick or as an download. Every copy has customized security keys. Cards to be ordered in future shall have matching security keys. 
Weight: g
Contactless card, printed with custom artwork


Secure card
Secure, contactless smart card printed on both sides. Comes with default artwork or can be printed with any artwork store owner sends in. Personalize card, advertise your store, have customers coming back! Minimum order 100 cards
Weight: g


OmniKey smart card reader
HID OmniKey contactless smart card reader. It is actually dual interface reader and can process contact chip cards as well. USB interface 
Weight: g
ePurseONE software kit with mini PC, pre-configured


System software + PC

ePurseONE system kit. Software comes pre-loaded and tested on mini PC. Comes complete with:

  • Mini PC, could be Asus, Intel, HP or Samsung
  • 5421 contactless USB reader x 1
  • ePurseONE cards with default artwork x 10

 Mini PC comes with universal 110-220 AC power supply based on Windows 10 OS. Monitor, mouse and keyboard must be procured locally.

Weight: g
Expanded ePurseONE kit, ready to go with 1000 cards


Expanded ePurseONE kit

ePurseONE system kit. Software comes pre-loaded and tested on mini PC. Comes complete with:

  • Mini PC, could be Asus, Intel, HP or Samsung
  • 5421 contactless USB reader x 1
  • ePurseONE cards with custom artwork x 1000

 Mini PC comes with universal 110-220 AC power supply based on Windows 10 OS. Monitor, mouse and keyboard must be procured locally.

More ...

More bundles, more features

This is only beginning!

Our work never stops. SCCS shall be introducing more bundles and more features in weeks and months to come.

Also, we are working on whole mall system for 100+ stores all based on ePurseONE. Don't miss it! Make sure to come back to this page 

Watch YouTube Video presentation about ePurseONE

Click here: