Who Needs Paytomat?

The primary goal of Paytomat is increasing the penetration of cryptos as payment instruments. Paytomat achieves this by providing a reliable and feature-rich solution for accepting cryptos and paying with them.

PTM coin is an additional stimulus for merchants, incentivising them to accept crypto. It estables a sui generis loyalty program for merchants, who decided to start accepting crypto.

PTX token rewards end customers for paying with crypto in the same manneryour pharmacy or grocery loyalty card accumulates rewards and special bonuses every time you spend money with these service providers. Thus, the target audience of our project consists of three layers of customers, who can be visually represented in the following manner:

Our Ecosystem

Paytomat is a set of software solutions, both: web-based and native. It is compatible with most major operating systems and commercially available hardware. In essence, our ecosystem consists of:

1.Paytomat Core or PTM Core — a combination of the Database, the Processing Server operating this database and a set of APIs

connecting this database to various outside actors like merchants or crypto core teams. For a detailed explanation of PTM Core and its architecture, please have a look at the next section titled ‘How Does POS Integration Work?’ and to a separate subsection in ‘Paytomat under the

Hood’.

2.A set of payment processing gateways. Gateways interpret the business logic of our payment partners to our Core, making this

communication uniform. To discover the technology of our gateways, please visit a dedicated subsection.

3.Paytomat all-in-one multi-currency wallet, which allows sending and accepting crypto available within our ecosystem. Our wallet also serves as the basis of our unique blockchain-based loyalty program, built around PTM loyalty coin and PTX loyalty rewards token. You can discover all the details of our wallet technology in a separate section of this paper

Ecosystem Features

1.Loyalty rewards for paying and accepting payments in crypto

2.Transparent commissions

3.Integration with your POS solution

4.Multiple cryptocurrencies supported

5.Decentralized franchise on local markets

6.Payments Core

• Crypto Payment and Crypto Exchange Gateways
• Merchant API with Public Documentation
• Horizontal scalability enabling quick growth
• Point-of-Sale as Proof-of-Stake

7.Multichannel UI/UX

• Merchant POS Plugin
• Standalone mobile POS
• e-Commerce Plugin
• Merchant Dashboard
• Dashboard of the Cryptocurrency Core Team
• End Customer Dashboard

8.Merchant Wallet

• Instant Exchange via Atomic Swaps
• Direct invoice generation
• Multi signature
• Supports major hardware 2FA dongles
• Custom PoS Setup
• Access hierarchy

9.Customer Wallet

• Offers location-based services
• Built-in loyalty program
• Multicurrency support

Point of Sale

Direct integration with leading Point of Sale software providers, on-display invoices, printed QR code receipts, direct integration with billing and accounting systems.

E-commerce

Creation of checkout modules for shopping carts, e-commerce solutions integration, website payment and donation buttons.

Chatbots/ Messengers

Social media enabled payments with cryptocurrencies via personal identificator or alias/username, automated payments via Facebook, Telegram and other chatbots.

Internet of Things

Machine to machine payments, automated food delivery, vending machine rechange, etc.

Industries

• Hotels
• Restaurants and Cafes
• Retail
• Vending Machines
• City-Parking
• Airlines (Billing+Miles Program)