Swish's proprietary technology is all-inclusive from merchant creation, payment processing, reporting, and fraud detection. The Swish mPOS solution consists of a range of fully certified card reading devices, iOS and Android mobile applications, and full back office solution that collectively facilitate card transactions from beginning to end. Through its standing as a financial institution and with its MasterCard and Visa memberships, Swish will now be able to partner with Mobile Network Operators (MNOs) and other non-bank organisations in various countries to enable the deployment of its mPOS solutions in these markets. Swish has a clear competitive advantage, as it offers a full suite of patented, disruptive technologies at a significantly lower cost than traditional point of sale payment solutions. With enthusiasm for mPOS solutions from card networks such as Visa and MasterCard, and an appetite for mPOS transactions from acquiring banks (due to the low risk nature of the transactions), the mPOS environment is becoming highly competitive. Visa membership will be concluded by early 2015.

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