What is a payment pointer?
Digital wallets are revolutionising the way we pay
Digital wallets are easy to set up, secure and make payments a breeze. But today’s wallets are closed systems. They offer no way to transact with other wallets.
Payment pointers do for digital payments what email addresses did for digital messaging, making it easy for wallets to transact with one another in an open ecosystem.
Most digital wallets exist in a walled garden. You are unable to make a payment from an Apple Pay wallet to a Google Pay merchant, for instance, or send money from a PayPal wallet to someone unless they have a PayPal wallet too.
Digital wallets
With a payment pointer, digital wallets become part of an open ecosystem as ubiquitous as the web. A wallet with a payment pointer is accessible and interoperable with almost any other digital wallet, making them easier to use than email.
Send and receive
Payment pointers are URLs that connect securely to a digital wallet. You can use a payment pointer to send and receive payments to and from your wallet.
Control access
Share a payment pointer with others and control the access they have to deliver additional features and services with your wallet.
Registration is free
Based on open source and open API standards, payment pointers are safe to share, free to register and easy to remember.
More information
Open payments
An API standard that can be implemented by any account servicing entity such as digital wallets, banks, crypto-wallets and mobile money providers.
Payment Pointers
A standard for URLs used to access Open payments APIs.
Interledger
An open and inclusive payments network that puts humanity first.
Web monetization
A JavaScript browser API that allows the creation of a payment stream from the user agent to the website