We started PHOS with the dream to make payments less complicated and cumbersome for millions of merchants. Against all odds, we have delivered a product which is transforming payment acceptance and the smartphone – with a single tap, every phone becomes a POS and ATM, and with ‘cashback’ every merchant becomes a bank. PHOS offers rapid digital deployment and is uniquely phone and bank agnostic – any NFC Android phone, any bank or acquirer.

PHOS seamlessly integrates payment acceptance with a universe of business applications for merchants, including data driven e-commerce tools, automated marketing, loyalty, payroll, etc. PHOS offers merchants a replacement of old and expensive technology with a simple high value added solution, and a leapfrog for millions of underserved merchants who are still handling costly and unsecure cash.

PHOS supports the new generation of payment methods, including QR based wallets.

Convenient. Quick. Secure. Empowering.

Ivo

Ivo

Co-founder

More than 25 years in retail financial services

Valeri

Valeri

Co-founder

Serial entrepreneur and investor

Tony

Toni

Co-founder

More than 20 years in card payments

Dido

Dido

CTO

20+ year experience in financial transactions IT systems

Ogi

Ogi

Chief Android Developer

Passionate developer with deep EMV knowledge

Bobi

Bobi

Android developer

Venci

Venci

Back-end developer

Dimitar

Dimitar

Back-end developer

No one

Anton

Front-end developer