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AllPay is a secure, extensible client-side gateway for mobile wallets. AllPay lets mobile wallet developers just focus on security and user experience instead of having to also worry about bank compatibility and retailer adoption. By leveraging and extending existing payment platforms (like Vantiv), allpay provides a single modular hardware platform capable of processing mobile payment data from any protocol (NFC, Bluetooth LE, QR codes, Wi-Fi, EVM- anything), which is compatible and works alongside with existing kiosk systems. Payment processing is a pain point for merchants. With AllPay, merchants and retailers get to focus on what they're good at- we take care of the rest. Mobile wallet compatibility is a pain point for customers. With AllPay, customers can use any mobile wallet virtually anywhere they can use their regular credit cards- we take care of integration. Getting banks and retailers on board is a major pain point for mobile wallet services- even Apple's struggling to partner with Walmart, Target, and Best Buy. With AllPay, developers can just focus on user experience and security- the moment they ship, they're already compatible with banks and retailers.