Dinube Mobile Loyalty & Payments

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City: Barcelona

State: Catalonia

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Country: Spain

Dinube is a pan-European payment network. As the first digital payment network - unlike incumbent legacy schemes - it does not issue cards. Instead of issuing cards, Dinube employs account-to-account payments based on the European SEPA Instant Credit Transfer Scheme, enabling realtime payment between customers&s; and retailers&s; bank accounts. The Dinube superapp syncs any European bank account to provide account information (AISP) services and payment initiation (PISP) to any retail merchant, in-store, online or offline. In February 2014, Dinube became the first network to perform a contactless payment on a pinpad terminal using a mobile device (HCE on Android and Ingenico POI). In May 2016 Dinube presented OPTO, a new, alternative contactless technology to radio-frequency NFC, enabling contactless any smartphone. OPTO is based on near-field light waves. The technology is now widely used in the vending industry in several European countries. In 2018, Dinube filed a new patent for privacy algorithms, making it the first payment network that emphasizes protecting users&s; privacy and avoiding the collection and tracking of personal data. Dinube distinguishes itself from other payment networks by not profiling its users and by eliminating cards and thereby the associated fees for retailers.

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