The complete Digital Wallet for everyone

With over 20 years in the industry, we offer a truly global Digital Wallet solution for assisting clients making instant and secure online payments. Unlike other solutions in the market, no Credit Card is required to top-up your HowToPay Digital Wallet. 

Additional security protects client funds by requiring all payments to be approved by the sender at all times.


Our Digital Wallet

State-of-the-art API

Easily integrate HowToPay’s multiple and flexible payment options. Our robust and scalable platform guarantees PCI-DSS compliance, security, high performance, and enables a safe user experience.


A complete e-Wallet solution

Real-time access to transfers and receipts of funds information through our state of the art mobile apps and advanced online dashboard.

The "Payment Request" process

Users create a “Payment Request” that is received on another user’s mobile App. The recipient of the Payment Request approves the transferUsers’ funds remain under their control and once approved, both parties are informed when the transfer has completed.

Risk management

Unlike many processors, HowToPay reduces risk and fraud by requiring all payers to pass KYC validation. This monitoring and risk management has significantly reduced chargebacks and claims.

Settlement of funds

HowToPay collects funds from various payment methods and remits them as a bundled payment. In conjunction with detailed reporting, HowToPay can efficiently and reliably settle in several currencies, using SWIFT, SWIFT GPI and SEPA.


Collecting Funds & Payments

The Digital Wallet based payment solution features intelligent routing to ensure that the most appropriate local payment methods are offered for each transaction ensuring maximum coverage, security and traction.

Digital Wallet

Our user friendly app is available from the iPhone AppStore and Google Play or clients can use their computer’s web browser.

Key benefits of the mobile app are:

  • View all payments made
  • Easy to top-up balance
  • Receive credits from other users directly to the app
  • Transfer credits from one user to another using a QR code
  • Make in-person payments using a QR code
  • Send a Payment Request to another user
  • Accept or decline a Payment Request

IBAN for SEPA Payments

Customers can now apply for an IBAN (International Bank Account Number) to send and receive funds using SEPA/IBAN or SWIFT. This allows clients greater control of funds in and out of the HowToPay wallet system with truly international reach. Clients do not need to be within Europe to take advantage of having and IBAN account. Apply for your IBAN account after you have opened your account online and passed basic KYC requirements.