PayAttitude® is the first-ever interoperable multi-bank and mobile network-independent NFC-based contactless solution for m-Commerce and m-Banking.

PayAttitude® is a Tag-type contactless solution based on NFC (Near Field Communication) technology that converts a subscriber/customer’s mobile phone handset to an NFC device and links the handset to the subscriber/customer’s Debit or Prepaid account Plus ePurse enabling the subscriber/customer to debit his/her account(s) for different payment transactions.

The Plus functionality of PayAttitude® guarantees subscribers the confidence and comfort of successful proximity/contactless payment for goods and services at merchant locations at all times notwithstanding problems or challenges of telecommunication or unavailability of network of the merchant’s bank/Acquirer or the customer/subscriber’s bank/Issuer. Such transactions are authorised offline on the ePurse up to the value of Plus functionality that the customer/subscriber subscribed to with the Bank or Issuer. Where the balance on the ePurse is not sufficient to support any purchase, the transactions is sent online to the Debit or Prepaid account of the holder.

PayAttitude® subscription is available at bank branches for DebitPlus, PredpaidPlus and Premium; and outside bank branches at authorised retail outlets for PredpaidPlus.