Multi-source funding
One payment, drawn from every balance a customer holds — selected or split at authorisation.
Every balance.
One way to pay.
Let customers spend their wallet balances through the cards they already use.
An animated illustration in two scenes. In store: the phone shows the card and a prompt to double-click the side button, is tilted to a countertop card terminal showing a 138 dollar 40 total, and the terminal approves the payment. Online: a web shop checkout asks the phone to confirm the same payment. Each of the three cards makes its own purchase: the first is funded from Bit plus the card, the second from PayBox plus the card, and the third from Bit, PayBox and PayPal plus the card. Online, the three purchases are flights with El Al, Arkia and Wizz Air. After each payment the phone shows how it was funded. Open any source for its date, amount, transaction number and remaining balance.
9:41▪▮ ⌁
Isracard
powered by 
Your card
Lifestyle
FUNDED FROM
$64.90Approved
Groceries
FUNDED FROM
$212.50Approved
Electronics
FUNDED FROM
$138.40Approved
El Al · TLV → ATH
FUNDED FROM
$329.00Approved
Arkia · TLV → LCA
FUNDED FROM
$198.00Approved
Wizz Air · TLV → BUD
FUNDED FROM
$146.80Approved
Bit transaction
Available balance
Completed
- Transaction amount
- Date
- 28 Sep 2026
- Store
- Transaction no.
Part of a purchase
PayBox transaction
Available balance
Completed
- Transaction amount
- Date
- 28 Sep 2026
- Store
- Transaction no.
Part of a purchase
PayPal transaction
Available balance
Completed
- Transaction amount
- Date
- 28 Sep 2026
- Store
- Transaction no.
Part of a purchase
FlyCard transactionFlyAll transactionSky Max transaction
Completed
- Transaction amount
- Date
- 28 Sep 2026
- Store
- Transaction no.
Part of a purchase
Showing: paying in store
Coming soon
For consumers
Your money.
One familiar way to pay.
Use eligible wallet balances with the issuer card you already use.
-
Choose a source
Pick an eligible balance or set your preference.
-
Split a purchase
Combine sources when supported by your issuer and wallets.
-
Pay anywhere your card works
The same tap in store and familiar card checkout online.
Cross-border and recurring uses depend on issuer and funding-source support.
For wallets
Your wallet.
More places to use it.
Connect eligible wallet balances to the issuer card customers already use, so their money can travel further.
- 01
Broader acceptance
Let customers use eligible balances wherever the linked card is accepted.
- 02
More wallet activity
Turn stored balance into everyday spending opportunities.
- 03
Your relationship stays yours
Keep your wallet experience and customer connection.
Expand utility through issuer-led distribution.
For issuers
Your card.
Every balance behind it.
Let cardholders pay from the wallet balances they already hold, through the card you already issued. No new card, no new rails.
- 01
Capture wallet spend
Purchases once paid from wallets now run through your card.
- 02
No new card to issue
Works with the cards and rails you already run.
- 03
You set the rules
Choose eligible wallets, limits and controls for every program.
Figures shown are illustrative.
Visa®Mastercard®PCI DSS aligned
Why Accept² wins
Make every card
Make every card
a wallet card
All their wallets. One card.
Five things no single wallet, and no card programme, can do alone.
No merchant integration
Nothing to install, sign or certify. It arrives as an ordinary card authorisation.
Accepted on any card rails
Wherever the networks are already taken — which is very nearly everywhere.
Domestic wallets, global spend
A local balance that travels. Cross-border spending with no transfer first.
Increase the credit line
Spending power grows with every connected balance — without extending more credit.
In-store
Contactless at any terminal. Same tap, same speed, no new hardware.
Online
Every checkout that already takes cards. Nothing to integrate.
Cross-border
A domestic balance that travels. Acceptance follows the network, not the app.
The same tap. In every channel.
It behaves exactly like Apple Pay or Google Pay — because that is where it lives.
Figures shown are worked examples chosen to illustrate the mechanism, not measured results.
2.1B
Wallet accounts holding balance
$1.68T
Moved through them yearly
435M
People paid by platforms
150M+
Acceptance points reached
GSMA · World Bank · Visa and Mastercard published figures. Market context, not Accept² performance.
Why now
From local wallets
From local wallets
to global markets
Five forces are converging to unlock billions in local wallet funds.
- 1Consumer shiftsWallet-first consumers are the new normal.
- 2Open bankingNew regulations enable seamless connectivity.
- 3Wallet fragmentationHundreds of local wallets operate in silo.
- 4Existing card railsGlobal networks are already in place.
- 5Untapped revenueBillions in wallet funds sit outside issuer rails.
Hundreds of wallets. One set of rails.
How it works
Three things change.
Three things change.
Nothing else does.
Connect the balances
Every wallet a customer holds becomes a single funding layer.
Keep the card they have
An existing card is made eligible. Nothing issued, nothing posted.
Fund at authorisation
Accept² picks the balance, or splits across several. You approve.
Multi-source funding
Live
Funding sourcesmany
Merchant changenone
New card issuednone
Live today
Wallet balance funding
Card payments funded from the wallet balances your customers already hold — one wallet or several, selected or split at authorisation.
- Multi-wallet funding and split payments
- In store, online and across borders
- On the card the customer already carries
On the roadmap
More funding sources
The orchestration engine treats any balance as a funding source. These are next, not shipped.
BNPL
Account-to-card (A2C)
Loyalty points
Gift cards
We would rather be precise about what runs today than impressive about what doesn't.
Why accept² wins
A superior approach,
A superior approach,
built exclusively for issuers
| Traditional approach | vs. | Accept² approach |
|---|---|---|
| Merchant integration | ✕ | ✓No merchant changes |
| New consumer app or experience | ✕ | ✓No consumer changes |
| Single wallet or limited coverage | ✕ | ✓Any wallet |
| New network or infrastructure | ✕ | ✓Existing card rails |
| Generic PSP model | ✕ | ✓Issuer-first platform |
| Manual routing, limited intelligence | ✕ | ✓AI orchestration engine |
Morewallet spend
Higherinterchange
Betterengagement
Strongerloyalty
Newrevenue
Who we build for
Issuers, banks and wallets
Never merchants. Nothing for them to install or sign.
Who it's really for
The people holding the balance
Gig workersFreelancers
Remittance recipientsEveryday consumers
Your cardholders already hold the balance.
Let's make it spendable — on your BIN, your rails, your terms.