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A “bank account enabled” mobile payment platform, independent from debit and credit card networks, usable by anybody with a bank account, acceptable by any merchants using any kind of devices and POS and easy to integrate with e-commerce website (using plug-ins and API). Direct connection to the consumer’s and the merchant’s bank account brings a structural cost advantage to processing payments that Satispay leverages to sign up merchants with a cost-effective, convenient and easy-to-use solution. It is thus the first instrument that consumers can use for everyday money management: shopping in stores and online, sending money to friends, paying for services and set money aside.