Customers top up, your till fills the same day.
A digital wallet in your brand's name. Customers top up before they buy and pay at the till by QR in 3 seconds. The money reaches your virtual POS the moment they top up.
- 3 secQR payment at the till
- 0Change, coins or card fumbling
- UpfrontPaid before they buy
- Every branchBalance works everywhere
Three steps. Easy for them, good for you.
- Top up
+₺500 balance1The customer tops up in the app with a saved card in one tap. The money goes to your virtual POS right away.
- Pay
3 sec · +1 stamp2They scan their QR at the till; the payment comes from the wallet, stamps and discounts apply automatically.
- Come back
Their balance is with you3A customer with a balance at your brand comes back to you, whichever branch they visit.
Save the card once, top up with one tap.
Customers don't type their card number, expiry date and CVV every time. They save the card once; every top-up after that is a single tap.
- PCI DSS compliant bank infrastructure: card data stays in the bank's card vault
- The card number is held neither by sipnik nor by you; the panel only shows it masked
- 3D Secure verification when the card is first saved
- If the balance falls short, the rest is topped up from the saved card once the customer approves on their phone
The wallet fixes this.
When the customer tops up, the money is in your virtual POS; the spending comes later.
No card terminal, no coins; payment comes from the wallet.
The missing amount comes from the saved card once the customer approves; the payment completes at the till.
With your balance in their pocket, the next coffee is yours.
The balance works at every branch of your brand; separate wallets per city if you like.
Separate messages for low balances, recent top-ups or lapsed customers.
How much reaches your till before the sale?
Adjust the sliders to your business.
The wallet sits at the heart of loyalty.
Wallet payers get their stamp automatically; the reward waits in the app.
SubscriptionsMonthly coffee or bread subscriptions tied to the wallet; redeemed by QR at the till.
Privilege discountsDiscounts for institution members, applied automatically on wallet payment.
Treat a friendCustomers send a treat from the app; whoever collects it meets your brand.
Order-aheadOrdered in the app, ready at pick-up time.
Smart notificationsAudiences by balance and top-up behaviour; one-tap messages.
Every lira, visible.
- Top-ups and spendingWho topped up how much and when, and where they spent it; one list.
- Branch by branchWallet spending per branch in reports; separate wallets per city or franchise.
- Your own virtual POSTop-ups are charged to your bank POS; match them with the bank from the panel.
- Branded reportSales and campaign reports in one tap, as a PDF with commentary.
Optional: add a small bonus to top-ups or cashback on spending if you like; top-ups grow. Not required — your call.
Every branch on one screenQuestions about the digital wallet
What is a digital wallet?
A balance in your brand's name. The customer tops up in the app before buying and pays from that balance by scanning their QR at the till.
When do I receive the money?
It is charged to your virtual POS at top-up; settlement to your account follows your bank's schedule. The spending comes from the wallet later at the till.
Does the balance work at all my branches?
Yes. A balance topped up at one branch can be spent at every branch of your brand. You can also set up separate wallets and virtual POS per city or franchise.
How do customers top up?
In the app. They save their card once and every top-up after that is one tap; they can also pay with another card via 3D Secure.
Where is the customer's card data stored?
In the bank's PCI DSS compliant card vault. The card is verified with 3D Secure when first saved; the card number is held neither by sipnik nor by you, and the panel only shows it masked.
What if the balance isn't enough?
The cashier requests a card top-up from the till and the customer gets an approval prompt on their phone. Once approved, the missing amount is topped up from their saved card and the payment completes at the till, in a few seconds.
How is payment taken at the till?
The customer scans their QR; sipnik Kasa shows their balance, stamps and discount, and "Take payment" deducts it from the wallet. 3 seconds.
Does it work with my own POS software?
Yes. If you have your own till software, it connects over the API; QR wallet payments work on that till too.
Do I have to give a top-up bonus?
No. The main benefit is that the money arrives before the sale. You can add a small bonus or cashback if you like.
Is it only for cafés?
No. Restaurants, patisseries, bakeries, chocolatiers, beach clubs and chains use it too.
Let your till fill before the sale.
The intro call is free and there is no commitment. We handle setup and training.