Wallet of Indivara (WOI)

Digital Payment Platform that covers the Essential and integrate with Elastic Loyalty Solution Modules for Richer Engagement.

Power up your customer satisfaction program by providing the new integrated payments and rewards apps. You could integrate WOI with almost any mobile front-end or third-party marketing platform to cover your customer journey.

Value Proposition

Invigorate your business with an innovative and integrated financial technology platform


Reporting and Reconciliation

Realtime dashboard transaction and automate reconciliation engine enabling the retention of customer data and gain insight.


More Revenue

WOI enable merchants make additional revenue through cross selling, buy now pay later (BNPL), investment and other functionalities that comes with the platform.



We offer our clients the ability to use our technology by wrapping their brands around our technology. Thereby allowing merchants to focus on what they do best-growing their core business.


Discount and Loyalty Features

With WOI, you can create a truly personalized customer experience and enrich it by connecting your loyalty program to another loyalty program from WOI merchants.

Advance Capabilities

Embed payment services on your platform with WOI

Indivara Payment Gateway

Avoid Manual Efforts, Automate Payment Process


Comprehensive Payment Application Service for Electronic Transactions

Suitable for every size of business, industry field, and transaction volume. Our Payment Gateway Solutions also offers a comprehensive solution with enhanced security systems for safer online purchasing, bill payment, and fund transfer transactions.

Our Payment Gateway provides businesses complimentary merchant services, to ensure maximum payment approval efficiency. With advanced fraud screening (Automated Fraud Detection Server) and security certification (PCI DSS Compliance and 3D Secure Compliance), supported by multiple payment options and real-time reporting, offers the highest control and security needed to support even the most prominent merchants. Available on the Web and Mobile.

Payment Channels


VA Transfer

Virtual accounts (VA) transfer have the potential to significantly improve cash collections through accelerated cash centralization.


Credit Card

Our payment gateway offers comprehensive credit card processing products and solutions that can process all major credit cards.


Micro Payment

Payment system that enable un-bankable mobile subscribers to do any micro-commerce transactions using their mobile phone number as bank account.


Direct Debit

Our Direct Debit solution is designed to simplify the whole transaction process for you and your customers, making it easier for them to pay.

Fuel your business growth through digitization

Explore new possibilities today!