SPARK FLOW: VERTICALIZED PAYMENTS

  • Controlled Ecosystem Revenue & Network Monetization

    Minimization of fraud and manual errors through a fully digitized, real-time process with enhanced control and transparency.

  • Corporate Client Autonomy & Operational Efficiency

    Real-time control and self-service capabilities that reduce administrative burden while strengthening governance and responsiveness.

  • Vertical Market Dominance & Program Customization

    Ability to design, launch, and control highly specialized payment programs for fuel, food, mobility, or employee benefits faster.

Traditional payment infrastructures lack the precision, control, and vertical specialization required to manage restricted-use programs resulting in revenue leakage, operational inefficiencies, limited customization, and weak governance across complex B2B2C ecosystems.

  • Vertical-Native Payment Design

    SPARK Flow is a high-precision platform for verticalized payment issuers like Staroil, Pluxee, and Servimax. It moves beyond general banking to provide a specialized infrastructure for restricted-use payments. By balancing rigid spending controls with a seamless user experience, SPARK Flow allows issuers to manage complex B2B2C relationships with total transparency and operational security.

  • Scalable Control Across Complex Ecosystems

    Designed for multi-network, multi-country environments, SPARK Flow enables granular control of usage, spending, eligibility, and settlement in real time while maintaining regulatory compliance, auditability, and operational simplicity at scale.

Secure, Scalable Infrastructure for Closed-Loop Payment Programs

  • Reduced Administrative Leakage

    Elimination of fraud and errors associated with paper-based systems or manual reimbursements through a fully digitized, real-time flow.

  • Scalable Network Growth

    Scalable Ecosystem Expansion Seamless onboarding of new merchants or corporate clients into a verticalized ecosystem, whether managing 100 or 10,000 acceptance points.

  • Advanced Data Intelligence

    In-depth visibility into user consumption patterns, including fuel efficiency tracking for fleets and food preference trends for voucher programs.

Fuel Cards

Manage your fuel payment programs differently

A comprehensive module designed to manage fuel payment programs across petrol stations and distribution networks with full control, compliance, and operational integration.

  • Supports issuance and management of single-brand or multi-brand fuel cards
  • Enforces consumption rules, spending limits, fuel-type restrictions, and usage controls
  • Enables detailed monitoring of transactions by vehicle, driver, or fleet

Fleet Payments

Fleet Payment Intelligence & Control Platform

A dedicated solution designed to centralize, control, and optimize vehicle-related payments for professional fleets and multi-vehicle organizations that offers :

  • Fuel, maintenance, and service payments  centralization into a single managed ecosystem
  • Detailed expense traceability by vehicle, driver, or entity
  • Advanced spending rules (fuel type, vehicle category, usage limits, geography)
  • Real-time monitoring and cost optimization across fleet operations

Meal Vouchers – Closed-Loop Platform

Meal Vouchers & Gift Vouchers

A purpose-built module enabling the payment issuers within a dedicated merchant ecosystem, ensuring compliance, transparency, and operational efficiency. It proposes to :

  • Issue and manage branded physical or digital meal vouchers within an exclusive affiliated merchant network
  • Provide a dedicated B2B corporate portal for bulk voucher loading, employee management, and real-time card control
Let's discuss your industry-Specific Payment Models