Since 2018 the company has focused its resources only on mapping payment business opportunities offered by PSD2 and instant payments. The top priorities are to analyzing, developing, and testing that type of new potential service.

Ex Machina has a fundamental assumption regarding the instant payment:
The instant payment method can be a competitive alternative of the card payment method, if the offered service provides the usual user experience as the card payment method, and guarantees more favorable pricing for the participants.

Guided by this vision the company creates the 4SPEND project’s system (https://4spend.com). Ex Machina has identified an equilibrium in the hybrid structure, thus developing a kind of new, competitive style of card acceptance and instant payment acceptance pair, in which it leaves the choice of payment channel to the payer and compensates or devolves the possible costs of its choice.

Following the development of the essential ‘style’ of 4SPEND, Ex Machina Kft. has also devoted significant additional resources to serve the relevant aspects of customer satisfaction. One of the defining aspects of the selection of high quality and innovative hardware was the suitability to physically create a link between the X, Y, Z generations, and the retailers.

Identified as a pair of connecting links and developed in accordance with this vision, the loyalty module is integrated into an admin interface that supports everyday decision-making with intuitive analytical tools, uniformly for all its client.

With the help of the loyalty module, the customers of Ex Machina Kft. - in addition to the advertisements of the company's key partners - can display discounts and coupons on the devices placed in the cash register zone, which can only be used with instant payment.

With the help of an online onboarding interface, the prospective clients can use the 4SPEND service fast, even from home.

4SPEND

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4SPEND

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