Paytailor is a cloud multi-platform for payments, services and customer loyalty. Paytailor is far more than just Mobile payment solution, enabling users to access multiple services beyond the scope of the ​mobile payment as such. Paytailor solves two very fundamental problems, millions of businesses globally face. These are accessibility and costs, fuelled by cash payments and card terminals. Both expensive, and limiting the ability to choose how and where to accept payments. Most mobile payment solutions require integrations, card terminals or additional hardware. So, those ways of payment don’t really solve any problems or create new values. For merchants, it’s an investment in hardware that does not yield any new payment scenarios. They are still tied down to the same location, the same customers and the same card payment. Only the mechanics (swipe vs. chip vs. tap) vary from solution to solution. Paytailor replaced physical payment with virtual, which means everything is entirely on the cloud. This enables to accept payments in multiple ways, allowing businesses to choose the most beneficial for their business. We can onboard merchants in 8 minutes virtually and they can start accepting payments with an existing device and bank account, no integrations needed. Paytailor also has a public API which allows simple and fast integration with PoS systems, in-app e-commerce and IoT payments (which means we can make devices, doors, gates, machines etc to accept mobile payments). Paytailor gives people the freedom of paying remotely and by any means of payment they prefer. Paytailor acts as a payment aggregator, which means different payment methods in addition to credit or debit card (mobile carrier billing, PSD2 open banking- direct debiting, top-up solutions, even cryptocurrencies etc). That allows customers to choose the method most suitable for them and on the business side, save costs from payment processing fees. For Paytailor it means easy scaling, also to underbanked areas.