Case study ✦ SIP-IQ
Tap, scan, transfer. One contactless wallet for consumers and merchants.
NFC Pay by SIP-IQ is a contactless payment platform: consumers store cards and balances in a wallet, pay by NFC tap or QR scan, and send money to each other, while merchants accept digital payments without terminal hardware. AppDevs engineered the platform.
Customer
SIP-IQ
Product
NFC Pay
Platform type
Contactless payments + digital wallet
Payment methods
NFC tap-to-pay and QR
Users
Consumers and merchants
Applications
iOS, Android, and web
The context
Contactless acceptance usually means contactless hardware.
Tap-to-pay is the payment behaviour customers expect, but accepting it normally requires certified terminals on the merchant side and card storage the consumer has to trust. For smaller merchants, the hardware and the fees are the barrier.
SIP-IQ's answer is a single platform where the phone is the terminal: NFC and QR acceptance, wallet-held payment methods, and person-to-person transfers, with identity verification and fraud monitoring built into the flow rather than bolted on.
What was built
Wallet, acceptance, and security in one engineered stack.
01
Wallet and card storage
A consumer wallet that stores payment methods and balances in one place, with SMS and email alerts on every transaction.
02
NFC contactless payments
Tap-to-pay at merchants over NFC, alongside QR scanning. Two acceptance methods on one platform so payments work with or without contactless hardware.
03
User-to-user transfers
Direct money transfers between users inside the wallet, using the same account model that powers merchant payments.
04
Merchant accounts
A merchant-side account for accepting digital payments, tracking transactions, and managing settlement, without dedicated terminal hardware.
05
Layered security stack
KYC identity verification at onboarding, two-factor authentication on access, end-to-end encryption in transit, and behavioural fraud detection watching the transaction stream.
AppDevs engineered the technology platform. Regulatory obligations, data-protection compliance, and payment relationships are held and operated by SIP-IQ as the operating business.
Outcomes
Measured results, published once verified.
From engagement to production
Confirmed with the customer before publishing
Processed since launch
[CUSTOMER QUOTE]
[NAME], [ROLE], SIP-IQ
[Written quote from SIP-IQ pending]