Regional Card Processing Centre

NFC Mobile Wallet

CEE region embracing mobile payments

Pay from your palm.
Nice and simple.
Built by mobile experts.

The growing trend in contactless mobile payments prompted Raiffeisen Bank International to explore available options in the CEE region. To gain more independence from global players and to offer additional card related services on top of NFC payments, Raiffeisen Bank International leaned towards an inhouse solution.


regions launched


cards added to RaiPay


transactions monthly

The Partner

Regional Card Processing Centre (RPC) is the leading provider of innovative and reliable card services to members of Raiffeisen Bank International (RBI), the leading bank group in the CEE region.
RPC, as a digital delivery centre for card issuing,  card acquiring and digital payments, is securely processing transactions originated by the Raiffeisen Bank cards or payment devices in Albania, Austria, Bulgaria, Czech Republic, Croatia, Romania, Serbia, Slovakia and Kosovo.

The Mission

To empower Raiffeisen Bank`s clients with a secure, swift, user-friendly mobile wallet and to promote the contactless mobile payments in the CEE region. RPC was looking for a partner with mobile skills, more precisely expertise in mobile payment apps with the emphasis on the UX. The new mobile wallet was to follow all the latest trends in online banking experience.

RaiPay is a mobile payment app, but the NFC is just the first key element. Our goal is to introduce an app that performs fast and reliable payments and build additional valuable digital payment features on top of it.

Key RaiPay Features

Contactless mobile payments in stores

Quick and easy way to pay in stores. Just turn on NFC and the wallet will be available upon close proximity to POS terminal. For small, quick payments no authentication is required.
For higher amounts phone unlocking or even your RaiPay PIN is required to minimize frauds and secure your funds.

Contactless ATM withdrawals

Withdraw money from any NFC enabled ATM. Quick, easy and safe.

Focus on design.
Flow animations for seamless UX.
Dark mode for Dark mode lovers.

COVID-19 crisis
has brought contactless payments
into a perspective.

We are proud of:

  • Successful roll-out in 6 countries with more coming soon
  • Strong response from the community with a 4.6-star average rating on Google Play
  • Ranking among Top #10 Finance apps on Google Play even months after launch (Serbia, Croatia)*
  • Highest possible level of security and UX achieved by native Android development

*According to SimilarWeb ranking for Free apps in the Finance category on Google Play. Last updated Jun 9, 2020

Key benefits of in-house mobile payments solution:

  • Independent regional rollout compared to global players
  • Security and privacy of payment history and client details
  • Competitive service quality to global players and to white-label payment solutions available on the market

We had complete faith in Panaxeo capabilities to build a comfortable mobile payment app for our clients. The aim was to make it as intuitive as possible. The team`s enthusiasm and commitment to the project are contagious. In cooperation with vendors, the trust and knowing you can rely on the other party to deliver on time and in high quality is priceless. The RaiPay development is far from finished, there are many exciting features ahead of us and I am looking forward to working with Tomas Fekiac and his team.

Services provided

  • Native Android development
  • Mobile payment expertise
  • UX prototyping and design
  • Project management & Consultancy
  • In-house Quality Assurance
  • Integration with Mobile Pay SDKs by Antelop Solutions

Need a trusted vendor for a banking solution?
Look no further.

Selected works

Seamless payments via Google Pay

Android & iOS data collection & analytics