ORDWARE - Business & Strategic Ecosystem

The World’s First Universal Business OS for Micro & SME sectors.

A zero-cost commercial and economic ecosystem for the digital age.

Message to Financial Institutions:
Acquire the technology and provide it free of charge to every business banking with you. Whether it’s a buffet in NYC, a hotel in Egypt, a pizzeria in Morocco, or a locksmith in Kenya – Ordware is the universal solution.

The All-in-One B2B2B System:
From POS services to web sales channels and PWA ordering apps, everything is integrated into a single, cloud-native, near-zero cost system. You provide the same high-performance universal product to every client.

The Ultimate Retention (Lock-in Effect):
Once a business integrates its entire operation into your ecosystem, the switching cost becomes prohibitive. They cannot take their infrastructure with them – they stay with you.

How You (Banks & Payment Providers) Generate Revenue:

  1. Core Banking Income: With a growing customer base, your bank-side revenue is approximately 1% of the merchant's annual turnover. (Payment commissions, transfer fees, account management, and the deposit float on current accounts which serves as a low-cost source for lending).
  2. Marketplace & Transaction Royalties: By providing the sales channels (similar to the Amazon model), you collect a 3–10% commission on every order placed through the integrated apps.
  3. Cross-Selling to Individuals: Every employee and merchant interacts with your interface daily. This provides a direct channel to offer personal banking products to the individuals behind the businesses.
  4. Advanced Credit Scoring (Data Wealth): Real-time visibility into every transaction, inventory movement, and cash-flow allows for precise profiling and automated, low-risk lending.
  5. Direct B2C Marketing & BNPL: On the consumer-facing ordering apps, you can offer marketing, loyalty programs, and financial products like BNPL (Buy Now Pay Later) or consumer loans at the point of sale.
  6. B2B Supply Chain Channel: The platform acts as a procurement channel. For example, restaurants spend ~30% of turnover on raw materials. By featuring supplier offers in the "Procurement Menu," you earn commissions from wholesalers for providing the sales channel to tens of thousands of clients.

Hybrid Deployment & Strategic Consortiums:

The low entry threshold is guaranteed by our White-Label Source Code Licensing model. This allows for a strategic consortium (e.g., a Sponsor Bank and a Payment Processor) to share infrastructure costs while clearly separating profit centers:

  • The Bank (Sponsor Bank): Retains exclusive Customer Ownership, deposit management, and data-driven lending.
  • The Payment Provider (Acquirer/Processor): Realizes transaction commissions (IC++) and technical processing fees. This model ensures the fastest Time-to-Market while maximizing profit for every stakeholder.

Integrated Global Payment Ecosystem:

  • Card Terminals (Full-Automated): Teya, Paynance (Adyen), Viva Wallet (J.P. Morgan).
  • NFC/Mobile Payment Apps: Paynance, Viva Wallet.
  • Online Payment Gateways: PayPal, Paynance (Adyen), Teya, Barion.

Flexible Payment Integration Architecture

"The Ordware ecosystem is designed for maximum global interoperability, supporting both direct and gateway-based financial connections:
  • Direct API Integrations: Our system features native, high-performance direct API connections with Teya, PayPal, and Barion, ensuring minimal latency and full control over the transaction flow.
  • Unified Gateway Connectivity: For global scale and automated hardware support, we utilize a professional Smart Connector (Paynance). This provides a robust bridge to Adyen and Viva Wallet (J.P. Morgan) infrastructures.
  • Operational Advantage: This hybrid approach allows for rapid market entry (Time-to-Market) in any country. While direct APIs offer maximum control, the gateway-based connections offload the burden of local hardware maintenance and PCI-DSS compliance to our certified partners, ensuring Zero-Maintenance operations for the Licensee."