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No card data is ever stored on the devices or the servers. All data exchange is encrypted. All card scheme specific security mandates followed. Access to the apps is secured by code or fingerprint. Customer privacy is of utmostimportance, no access to consumerdata for merchants.


Horizon is at par with the industry solutions, like Apple Pay or Google Pay © but independent from them. The system can be run and implemented by anyone. No bank or financial services license required. It’s running on >90% of the smartphone devices worldwide.


It can be easily expanded and developed further – as the system is proprietary and under full control of the owners.


It is offering the full set of components for running the end-to-end payment transactions.


The system is completely white-label – any brand or name can be used to market it. It can be interfaced with any system and service provider required to conduct the transaction cycle.

easy, fast and convenient

Usage of the apps is intuitive and very easy to understand. No “training” or “introduction” of users required. No extra hardware needed for the merchant.


The appealing interface design is edgy and an eye-catcher for the users. This modern way of payment is a differentiator for those who get into it and a great user experience. And for those who offer it to their customers, being it a merchant or a consumer.

good business

Anyone who runs the system (owner / license holder) is in full, autonomous control over every aspect (financial, commercial, business wise) of the business, conducted with the solution.