PumaPay:credible payments, efficient, flexible, cost-effective

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About PumaPay
The open-source Payment Protocol PumaPay is a comprehensive blockchain solution that offers powerful payment mechanisms that are far more credible, efficient, flexible, cost-effective, and scalable than the current implementations (credit cards). Unlike current payment methods, which include virtual credit cards and coins such as Bitcoin, the Pullback Payment Protocol is designed from the ground up specifically to overcome existing obstacles and offers a set of tools developed to facilitate the orientation process for both businesses and individuals.

 With PumaPay merchants can:

  • Plug-in various billing solutions to enable cryptocurrency reception directly, replacing credit card companies and other billing processors
  • Offers a comprehensive and flexible billing solution for customers, handling all common billing practices, including recurring, pay-per-use, etc.
  • Eliminate the risk of fraud and chargebacks and related fines.
  • Saves very high intermediary transaction costs ranging from ~ 3% to as high as ~ 15%

Our mission
As a high-volume transaction expert, we are well aware of the fact that credit cards, billing foundations and online payments, have never fully adapted to the world of digital commerce. We have experienced the problems traders face every day thanks to an outdated transaction processing system. It does not take much for us to see the potential of blockchain to solve this problem. Our mission is to modernize the payment processing system and lay the foundation for a growing cryptocurrency economy over PumaPay Pull Payment Protocol. This Protocol is designed to:
  • Standardize and enable comprehensive payment methods through blockchain
  • Decentralized billing layer and substantial intermediate cost savings for traders
  • Increase the use of cryptocurrency both online and offline and facilitation as a standard payment tool
  • Enable powerful launch partners to disrupt their industry by creating a decentralized version of their platform

PumaPay is a free, open-source, blockchain based payment protocol featuring the unique architecture of PullPayment: Smart contracts that invert the mechanics of common cryptocurrency operations. Cryptocurrencies were designed to allow only one type of transaction - sending money from side A to side B, also known as 'push.'

Our PullPayment Protocol enables a 'pull' action on the blockchain, allowing side B to connect to side A's address via a PullContract and 'pull' the funds into side B account. This is, of course, subject to predefined terms and prior acceptance of the transaction by side A.

PumaPay's Protocol was designed from the ground up to facilitate flexibility in transaction mechanics. The innovative architecture opens the door to a push action: Subscription fees, direct debit, pay-per-use, and more. The protocol is highly flexible and adaptable, giving businesses the opportunity to apply their business logic on the blockchain.

Comprehensive
A robust, credible and scalable protocol that enables a full spectrum of billing methods.

Flexible
The Protocol allows merchants to apply their business logic and have the freedom to choose between out-of-box solutions or a custom-made implementation.

Accessible
Enables frictionless access to the benefits of blockchain technology, with SDK and API for merchants and a wallet app for customers

How it will Work
Pumapay has devised a pioneer 'pull payment' mechanism. In a transaction between parties A and B, in addition to the conventional method of A transferring currency to B and vice versa, PumaPay enables B to pull payments from A by request. This feature has been absent in the blockchain and can prove revolutionizing for the technology. It enables billing at places like restaurants, while electricity billing, online counselling fee and countless other day to day payments become possible by simply accepting request for the 'pull' or by scanning a QR code. And all this on the blockchain!


The Ongoing Token Sale!
The presale is currently running on the website with a bonus of ten percent PMA tokens. 55,000 tokens can be bought for one ETH which will drop to 25,000 per ETH by the end of the ICO. The public sale will take place for one week starting from the 26th of April. The total number of tokens to be minted will be decided on the number of tokens sold during the sale which will be twenty percent of the whole. The softcap is set at twenty thousand ETH and the hardcap at 150 million USD. A five percent bonus will be given to investors with contributions of six ETH or more.

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