SA Property

Corporate Rentals in South Africa
The business plan for SA Property Trust is one of investing in South African High End Corporate Rentals. Business executives are flown into the country and reside in up market homes which are paid for by their company. The yield on these properties is sufficient ...

Well and Able Africa

Green Building Technology
Green Building Technology suitable for Housing - Apartment Blocks - Villas - Retail Centres - Hotels & Resorts - Factories - Warehousing - Hospitals/Clinics - Military Installations - Mining Camps - Oil and Gas Camps - Infrastructure

BluWave Software

Low priced CRM competitor to Sales Force.com
BluWave CRM is a cloud based application based on a multi-tenant single instance infrastructure. Application covers all standard features of what one would expect. Competitive advantage is rich functionality, ease of use and ability to integrate to most accounting ...

DailyHomes.co.za

Property Portal for Affordable Housing
DailyHomes.co.za is a property portal that is exclusive to the affordable housing market in South Africa. We list properties on our website, on behalf of our clients, that are for sale for less than R1 million ($100 000) as well as rentals below R7 000 per month. ...

Webfluential

Marketing through social influencers
Webfluential is an online platform linking the consumer market to advertising agencies and public relations firms through influencers across various social networks to promote brands to their existing audiences. Webfluential serves to provide advertisers and ...

"B"

Bullying intervention app has panic button to send a geo-tagged "bully alert" to 8friends
An android and iOS app for kids in school. The app features a panic button that sends out a geo-tagged "bully alert" to teachers, friends and parents for help.

South African Coderz

Provide our clients with the tools to ensure they never stand in a unemployment line again
We make people. It's not a new concept. Teach a man to fish. I want to take unemployed people off the street. If they have the aptitude for programming. Teach them to become programmers. Let them work on real projects which they complete and release into marketplace. ...

Flowgear

Flowgear connects applications together visually without coding.
Drive anything from simple data imports and exports to complex decision-driven processes with Flowgear - a cloud integration platform. The visual workflow designer promotes fast debugging and solution hardening enabling design iterations to move rapidly to production. ...

Codiez

Agile Software Development

Chef Direct

Restaurant quality food in the comfort of your home.

MemoirCraft

Wikipedia for memories
MemoirCraft.com capture people’s experiences (events, periods and people in their life); share and represent it as memoirs for immediate or later consumption. It is a social networking site with the focus of capturing, storing and preserving people's memories to ...

Green City Solutions

eCommerce platform for millions of students
Mustbuy.co.za is a physical & online retail store. Our website mustbuy.co.za currently houses over 700,000 eBooks and millions of products such as baby products, Books, Car & Motorcycle, Computers, Games, DVDs, CDs, Sports & Outdoor Acessories, Toys and Stationeries Our ...

Cosapien

accountability for meetings
Cosapien's SaaS helps knowledge workers to collaborate with integrity. You can enjoy productive meetings. And now you can manage collaboration with high quality information.

Aduity

Closed in 2011.
Aduity was a complete ad management, ad network exchange and analytics platform for mobile developers, publishers and advertisers. It was shut down in early 2011 after multiple product pivots. At its peak, Aduity served millions of mobile ads per day from 5 ad ...

eAfrica

Yelp/Angie's customised for Africa
eAfrica: is a directory & site builder for African Markets. Mobile's are taking Africa to the www. Africa is rich in under/unemployed skilled people to service neighbourhood residential & business needs. This is typical of economies with 1st and 3rd world realities. ...

WOM Online Marketing

Taking marketing back to basics
WOM is a user driven online review site/business directory that helps companies amplify their word of mouth and at the same time help users make informed choices. We believe good businesses should be rewarded for their great customer service but we also believe ...

World Street Beats

Music for video
World Street Beats is a catalogue of urban stock music made by young up-and-coming artists from around the world. We sell royalty-free usage licenses to video creators, professional and amateur alike - ideal for YouTube channels, corporate video, documentary and ...

IQmates

Educational networking website (LinkedIn for Students)
IQmates allows students to connect with each other academically, share knowledge no matter what institutions they are from, register into courses and watch tutorial videos from their lecturers and tutors.

SweepSouth

Fast convenient home cleaning service
Getting a cleaner on demand and on time can be a great challenge in developing nations. SweepSouth brings unique optimisation and geospatial technologies to the market to make home cleaning a first class experience. SweepSouth is an online platform for booking ...

the t-shirt store

selling south african t-shirt brands
the t-shirt store is a 'streetwear t-shirts', 'music t-shirts' and 't-shirts for a cause' online t-shirt store that sells trendy and high quality t-shirt brands that define chic and cool. We have already secured one big name South African DJ and 3 established ...

CrowdTwitch

Crowdfunding website for startups
CrowdTwitch is a crowdfunding platform that allows users to raise funds online at a minimum fee of 3% per campaign .

ChowHub

Really simple online & mobile takeout ordering
ChowHub is an easy to use online & mobile ordering and restaurant discovery platform.

Quainted

Corporate performance accelerator
A corporate "social network" that can use any methodology to measure leadership styles, trust, culture and engagement, as well as personality types (currently only MBTI and enneagram), moods, etc to form a baseline, and then to improve. In addition, it has the ...

Eduze.co.za

To provide everyone equal access to the learning, loving and LOLing that digital content offers. Eduze seeks to level the digital playing field. We offer free and easy access to world-class digital content that can uplift, inform and empower those who are too ...

provulo

buying and selling simplified
provulo is a 100% online, fully managed, procurement management and administration service that helps its customers to save time and money by allowing them to control and manage how they sell to their clients with 100% visibility of the end-to-end process; it makes ...

RECOR Renewable Energy Corporation

Bio-Energy
Small scale 20 kiloWatt Biomass gasifier turning waste wood into syngas into electricity. 12 Tonnes per day Waste Tyres to Oil plant. Mobile Plasma Gasifier for Hazardous Waste.

BrandSchool

Africa-wide Digital Marketing training
We provide the top Digital Marketing course in Africa. The course helps entrepreneurs set up Digital Marketing consultancies or boost their online businesses, helps Marketing professionals create better ROI on marketing campaigns & helps companies upskill their ...

Diamond Head Properties

Commercial Real Estate investment

Kaytie Identity Promotionals

Screenprinting Embroidery
Who we are…Kayti Embroidery specialises in the multimedia printing industry with core focus on textiles.These include t-shirts, caps, overalls, jackets, sweaters, bags and leather garments. Our Vision & Mission Vision To undertake new and profitable projects/venture ...

Notafy

Whatsapp for business
Notafy allows companies to send messages to their customer's mobile phones without incurring a per-message cost as the company would with a standard SMS. Companies can now send their customers unlimited mobile messages. Therefore the primary target audience is ...

Teta5

South African Mobile Chat App that does not require data, wi-fi or airtime
Teta5 is a 'reverse data billed' mobile only social media platform that gives subscribers unlimited mobile chat and 5 free 1 minute voice calls per day in exchange for exposure to highly targeted advertising. The calls are strictly convenience calls and are designed ...

SquirrelThat

Evernote for Learning
Whenever you learn something new, SquirrelThat! Capture your learning immediately on any device. Later choose what you want to do with it and the app will support you. Also share with groups of similar interests.

Dream App

App that reads your dreams
Dream, wake, open app and get community interpretationsDream, wake, open app and get community interpretationsDream, wake, open app and get community interpretationsDream, wake, open app and get community interpretationsDream, wake, open app and get community interpretationsDream, ...

Linktivate Business Network

Comprehensive Business Solution
A comprehensive business solution that lets you run different aspects of your entire business from one place. Companies need to manage integral parts of its business relationships i.e. customers, suppliers, distributors, dealers, partners, employees, helping them ...

Jinx

Safe social app for kids that parents can monitor
Social networking app (chat,posts,calendar,groups) for kids ages 8-16. Gives them a safe environment for social networking and allows parents to monitor and control without invading kids privacy

Rent-a-Student

Part-time work for Students
Rent-a-Student have over 40,000 registered students (in 1 year) with a potential rolling base of over 1 Million new students per year. In 2014 we have posted over 10,000 part-time paid jobs (some volunteer work also). Employers secure reliable, energetic, intelligent ...

Gamelogic

Game development software
Gamelogic is a software development house that makes tools and software for game developers. Our software provides a framework that makes the implementation of game rules easier, faster, and more reliable. Our framework is rich enough to allow many opportunities ...

Rural Brands (Pty) Limited

DDAY an upgraded CRM/Analytics/Projects App (Sales Force combined with 37Signals)
We develop Websites, Intranets and Mobile Applications for CRM, Project Management and Big Data Analytics all centralised and simplified. With these technologies, we simplify and raise the efficiency of organisational processes.

GenWye

Parcel Delivery Redefined
Currently, in South Africa, parcels are delivered to a person’s physical address during office hours. The receiver is notified when the delivery man arrives at his/her premises. Often people are unavailable when this situation arises;it is also a major expense ...

Pintegram

Photo sharing made social and simple
Pintegram is a friends and family photo sharing site for the web and it boasts a familiar interface similar to sites such as facebook, Google+ and Twitter.

Barterbank

Cashless trade using barter-system
Barterbank is an online business that will monetize a persons’ skills and enable a revolutionary barter-type system that provides for cashless trade in various goods and services.

QD Webs

Online Dating made safe
This product is being created to ensure a safe meeting place for all people from all walks of life. Too many times have unsuspecting internet social site users ben scammed out of hard earned money. I am putting the trust and safety back into a market that has been ...

Cyber Teacher

Free online tutoring
We offer tutoring to students,sell self help material, cds and dvds and many more educational products

Guidepost

Uber for chronic disease management
We connect experienced chronic disease educators and doctors to patients who require lifestyle coaching, education, medication adjustments and psychological support. Through a series of guided personal-data-driven coaching sessions we're able to sustainably improve ...

ideaMunky

a publisher rewards program that rewards users real currency for sharing their content
a single or cross platform rewards program which rewards users real currency for social interaction with their content therefore increase traffic to that content 1. sharing their content to social media or email. 2. Following an account. 3. Like or recommend ...

GBSH Consult

We deliver essential advantage to top influential businesses, governments & organizations.
GBSH Consult is the first-to-market global management consulting firm focused on serving the marketplace for next generation technologies and world best practices in consulting. The key strengths are: extensive strategy and expansion expertise; superior track ...

CENTRALERT

Emergency Alert Service
What is Centralert? Centralert is an emergency card based on annual subscription. It helps subscriber if found in a state of emergency. With the help of the card, the police, medical staff or other persons, may call a call center phone number. The membership ...

FlatDog interactive

First world design, Third world pricing
Simply - we have world class digital/real world designers and manufacturers, able to create phenomenally good products, at a fraction of the cost of first world companies.

Academy of Home Based Learning

PreSchool curricula solutions for Africa & the World
AOHBL empowers parents as teachers, providing high quality educational curricula for children aged 3-6. We combine play, music, art, and essential reading, writing and mathematic readiness building blocks fostering a love of learning from an early age. At www.aohbl.com ...

Bizgolf (Pty) Ltd

Golf for Business owners and Professionals
Bizgolf Online is a social platform that creates a meeting point for business owners and professionals. It initiates networking which is followed up on the golf course. At biz golf we create a golfing experience at our unique golf days that encourages professional ...

Supertime (Pty) Ltd

Improve Workforce Productivity
Supertime is the only time and attendance system with more than 100,000 end users that stood the test of time. It was developed under Visual Studio with a Microsoft sequel database engine. This facilitates a multi user multi task environment. It interfaces seamlessly ...

Ilex Omni

Indie creative writing platforms (Wattpad)
Current product: "psest" (rhymes with "impressed"). psest allows writers to create and, crucially, sell short reading experiences, plus engage in collaborative narrative remixing on larger projects. The target economic sector is the creative writing industry, ...

ExecRentals

Manage your property online
ExecRentals IS FOR property owners WHO have a requirement to list and manage their property portfolio online, ExecRentals IS A real estate management tool THAT allows property owners to list their property on-line and then easily manage all facets of the listing ...

BAARA Consulting

Leadership, Management, Accountability, Partnership.
BAARA is a consulting firm drawing from the best and brightest of Africa's new professional generation. The Group focuses on the provision of leadership, management and accountability as well as partnership development skills and support to the civil society and ...

Adchuuza

The Ad space marketplace
Adchuuza is a marketplace for traditional advertising that profiles advertising space listed in our marketplace with demographic and geographic information and provides media owners and potential advertisers with the end-to-end tools to facilitate the sale and ...

AlertsCentral

LinkedIn for investment community
The investor relations industry suffers from duplicate and fragmented databases. Investor relations (“IR”) stakeholders (i.e. institution shareholders, buy/sell-side analysts, media, and private shareholders) need to register on multiple company websites in order ...

Rich Garden Investment

payment facilitation wallet (M-Pesa)
SMSPayMe is a mobile application that helps customers, entrepreneurs & businesses at the bottom of the pyramid (B.O.P) market; do cashless transactions, withdraw cash, market their business & keep financial record of all transactions in one mobile application for ...

DK Consulting

BTL Marketing, Events and Promotions
Bringing new products into the market through BTL marketing and promotions. Creating awareness and buy in from business partners via events such as golf days and other high level sporting events.

munchdove

simple mobile food ordering for restauraunts and loyal customers
munchdove makes it easy for restaurants to launch their own branded mobile apps. Customers can browse the restaurant's menu and order easily from their iPhone, iPad or Android. Restaurants are billed a simple monthly fee for access to the platform and their own ...

Destiny Coaching

Corporate and Business Coaching Services
DESTINY COACHING (hereafter referred to as “DC”) is a new start-up company operating in the coaching industry, based in Fourways. The key focus of the company will be on offering Executive and Corporate Coaching Solutions, with a specific aim on small to medium ...

Blue, Inc.

The Google Of People
Drop A Name lets you put all your social network and contact details in one place, making it easy for your friends to find you by the single click of a button. We google services, companies e.t.c well this services offers the exact same thing, except on people

Vaccinate

Online immunisation record
Digital vaccination schedule/record for new parents, certified by a registered nurse. 

Start Up Smart

Small Business Internet Marketing Services
Start Up Smart helps start-up businesses to effectively market their products and services online by providing tailor made solutions to suit their budgets. The idea here is to engage the start-ups at birth and have them on a monthly retainer, which will increase ...

Two Okes Brewery

Craft Beer Brewery
To supply High Quality Craft Beer to South African beer drinking public, to supply a variety of Craft Beer to satisfy public diverse taste and to develop the Craft Beer market in South Africa. Our product range will start with the following list of locally made ...

Little Italy Guesthouse

I seek funding for my guesthouse which will also be available to use as a wedding venue
Excellent B&B opportunity for the discerning investor. Excellent condition, well established and ideally positioned. 6 guest suites, kitchen and dining room with ample reception rooms. Entrance hall, staff quarters and laundry facilities. Pool area with quiet garden ...

Invictus Lifestyle Corporation

A universal lifestyle empowerment app
NoviVita is a unique enterprise grade multi-dimensional lifestyle integration app that integrates consumers and vendors on a common platform. NoviVita connects cross-platform users of all demographic groups, vendors of services and suppliers of commodities seamlessly ...

xPoliem

Looking for new ways to expand a simple idea into a unique project
Still in prototype phase contact for details

BMH

Solid property investment
Great Real Estate investment opportunities with relatively low risk as well as acquisitions of existing high profitable Gas stations.

High Tech Impressions PTY Ltd

unique, cutting edge colour digital printing solutions
Intec CP3000 Setting new standards in print quality, value and media handling the Intec CP3000 produces glossy, vivid colours, rich, deep blacks and smooth colour transitions whilst also providing the lowest cost per copy of any printer in it’s class. Advertising ...

Crimeblog

crime-news and security services sales
Crimeblog is a crimenews and security marketing and sales channel. The objective is to inform the public on the latest crime tricks and traps and then use the platform to market and sell security products and services.

Future Gold Ghana Ltd

“The allure of gold has captivated human beings for centuries.
Future Indefinite Investments (Pty) Ltd, is an operational and South African licensed rough diamond, polished diamond and second hand gold trader with twelve years history trading out of the Diamond Centre of Johannesburg, South Africa. Email us for a brochure ...

Social Audit

Social Media Audit Company
Helps brands define social media metrics and audit data from current vendors.

Strategic Accounting

End to end accounting solution for innovative businesses

Viral Media (Pty) Ltd

Sales Marketing Platform with Rewards
YuppyLiving leverages off social networking by offering an online 3-level reward-sharing platform to advertise products or services on behalf of merchants at a substantially discounted rate. This concept of an online 3-level reward-sharing platform will be the ...

Khumbula Tombstones

Modern Tombstones and job creation
Tombstones direct to the buyer, with Ubuntu as a guiding business practice. Easy terms for customer to choose, lay-bye/contract. Customer pays for everything before anything is manufactured. Target is African market, and white market. African market is however ...

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Drank South Africa

New Relaxation Beverage
Drank was created by Innovative Beverage Group of Houston, Texas.Drank is a delicious carbonated beverage with a light grape-flavour and fragrant bouquet. The drink combines all-natural melatonin, valerian root, and rose hips to help you “Slow your Roll”.Drank ...

Anglo American

TrashCan Group

Profitable, Empowering, Growth, Sustainable
Minning and Property are the source of life time investments in South Africa and to access it now one must have the BEE Status for the sense of panertrating the Government System of youth empowerment

TV Republic

Dropbox for Corporate & Public Communications - No more Email distribution lists!
Designed for Enterprise markets, TV Republic allows you to easily broadcast videos & corporate messages to your staff, where ever in the world they may be.

ELDO

Pioneering Energy Group based in Africa and Europe
ELDO is a Group of companies based in South Africa and Switzerland that provides turnkey energy management solutions - we strive to make energy management easy for our clients, whether you are a business, utility or home owner by offering an end-to-end and holistic ...

Kasimp3

Its a web platform that helps musicians earn revenue from giving away music for free.
We provide free music downloads to fans, while at the same time providing a way for musicians to earn revenue when ever their music is downloaded for free. We also offer consumer brands with a broad-based access to the music community.

Turn It Around

Community crime reporting and Networking.
Community crime reporting and networking. Proving all the tools for neighbourhood watches and communities. The Website allows users/residents to quickly and easily share local information such as suspicious activity or crimes. These are all mapped out and ...

ULW (Unexplored Locations Worldwide)

Specialised International Tours
ULW (Unexplored Locations Worldwide) will be a small home-based tour leader business in the lucrative and rapidly growing specialist tourist market, and will be offering travel services for groups only in the local and overseas markets. There are opportunities ...

ROK

Mens Accessories
A vintage mens accessories brand - the first official brand that gives men something rugged and fashionable to wear. Leather and metal wrist bands , belts , rings , wallets . Coming soon : expanded ranges in all above plus - caps , bags , necklaces , watches. Bought ...

SmartRecruit SA cc

Labour Solutions
SmartRecruit SA specialises in supplying temporary transport and distribution staff to its clients. SmartRecruit’s workers are highly skillful and properly qualified. This service is dynamic in order to keep pace with changing labour legislation and customer needs. Our ...

Cubico Solutions

Kenka Technologies

Tourism App
It’s a Tourism App, a dynamic feature rich mobile application and web service that will allow the client to implement a simple to use, intuitive solution for touring my city and surroundings.Features: User Friendly navigation with Geo fenced information messaging ...

griffin leisure centre

family outdoor activity centre
I am hoping to start a multi-activity centre that will cater for all age groups from 6yrs upwards in johannesburg and surrounding areas. I hope to include the following activities to start with: paintball gokarts archery (adults and children) Air rifle target shooting braii ...

MONEY STAR

EXCEPTIONAL CREDIT OFFERINGS
Get the financial freedom with the personal loan of up to R15 000 Over 18 months Sleep peacefully knowing that your family is covered with our tailor made insurance. You want it now get it on contract and pay fixed flat installments for a cellphone contract

zafreelancer

A platform that connects employers and virtual workers
A freelancer platform that helps freelancers and Entrepreneurs exchange services and skills

Rugged Mobile

Rugged Handheld Mobile Computer
Offers new generation rugged handheld smartphones, PDAs, rugged mobile computers, tablets, notebooks, imprinters etc. at competitive prices.

Ayttiq Technologies

aypage : lets you follow everything, on everywhere (Facebook, twitter, Google plus..)
aypage is an internet related service allowing users to create, find, share and follow links based on their interests. These links are a group of related URLs and internet services (e.g. Facebook, twitter. Google plus) based on a certain content or person, providing ...

Jestalt Pty Ltd

Property Developer
The stands, which we have an option to buy, are 2000sqm in size with 85% coverage and are fully serviced, and currently priced at R500.00 per square meter, yet this figure is negotiable. What we propose is to build 1200sqm of factory/warehousing space, to be divided ...

Hourglass trading

Open table meets private in-home dining with top chefs
Instachef is a 6 month old start-up business that is looking to make it easy for South Africans to find a private chef online as it is to book a room or reserve a table at a top restaurant(dependent on availability that is). The dinner’s host arranges the meal ...

Primary Training

Training for Africa (Primary Training)
Our core business product is to identify the industry needs within the mining sector and provide the necessary training based on the needs and demands that we’ve identified. Everything we do, we believe in challenging the training industry, we believe in thinking ...

Shekinah strategic business consulting

High quality baby soft tissue
My products are two basic necessities hence are used by consumers on a daily bases, my first product is toilet paper and the other is mobile phone airtime. Both products are a must have because without them a person cannot function.

Northriding Movers

Professional Moving & Packing Services
 Moving Services, Packing Services 

UB Creative

South Africa Based Online Boutique Store
women clothing 

SeeMusic

Music Social Network
SeeMusic is a networking platform that allows music consumers to easily connect with their favorite musicians. SeeMusic consolidates all user's favorited musicians social networking content into a single source. SeeMusic is a free service to both artists and ...

Surf4cars

Used, Pre Owned Cars for Sale Gauteng, South Africa
used cars for sale Gauteng, pre owned cars South Africa

PeerSure

Peer to peer insurance
The company is going to make a peer insurance scheme, and in effect facilitating a peer to peer insurance system. The initial focus area will be in the sharing economy, specifically the gap between personal and commercial insurance that Uber drivers, and Airbnb ...

Smith Capital Equipment

Aerial Platforms, Drill and Cranes
Drills Supplier, Cranes Supplier

Storage King

Self Storage Facility
self storage

CATVal - Valuations and Consulting

Valuations and Consulting Services
CATVal a Machinery, Asset, Plant and Business Valuations Company with over 31 years experience. CATVal is a Valuations and Consultancy Business.

CribRocket

Uber for property rental

Platinum Complex

Companies with pproperties
The three clubs have been thriving for the past 28 years. Each establishment Had long lines waiting for entry each weekend. Recently the commercial space has become available and I arranged to take over the three night clubs with the purchase of the buildings. ...

randburg womens abortion clinic

abortion clinic,womens clinic,abortion pills
call dr khan titi on +27736613276 -We Help You Abort / Terminate an un-wanted pregnancy Today. we do for you, especially if you stay around Gauteng. It is very quick and pain free. It is 98% successful. Let us Help You Today. This procedure is legal under certain ...

The Loyalty Box

DIY customer loyalty
The Loyalty Box let's retailers create any kind of rewards programs in a matter of minutes. At a cost of just $45 per month per store, it allows business owners to set up a range of unique and differentiated programs (incl. cashback, points, gift cards/codes, and ...

bid2move

If you want it moved or you want to move it
Online bidding platform to give movers and transporters best cost and easy access to jobs

docci.me

Finding the right people nearby
Natter creates ad-hoc social networks around you as you move into different spaces and as your needs change. It helps you find people with the same interests as you, as well as businesses and entertainment in an area that you define. For free.

Insedlu Business Companion

Management Consultants in South Africa
consulting services , management consultants, management consulting

Limestone Residential Properties

Specializes in apartment and cluster rentals.
Properties for Sale Properties for Rent

Cagro Consulting Services

Turnkey HR/Administration Solutions
Cagro Consulting Services offers dynamic solutions to Client’s across all industries, providing a plethora of human resource and administrative service offerings. We provide: Virtual Assistant (Virtual PA) Human Resource Management Recruitment Management Training ...

Corvid Cleaning Solutions

Carpet Cleaners Fourways, Sandton, Randburg, Bryanston
Home & Office Cleaning Services, Carpet Cleaners,

The Cottonwood Trading Company

The Home Of French Bedroom & Bathroom Furniture
Bedroom Furniture, Bathroom Vanities

Zumbudda

Live Chat Health website
Zumbudda is a REAL-Time website connecting healthcare Experts with Users seeking healthcare advice. The platform has Live Chat Technology which connects Experts with Users instantly and charges a per minute rate. All payments are secure and credits are purchased ...

Ryda Technologies

Transport. Reinvented
Our vision at Ryda is to offer you safe and efficient transport, whenever you need it.

Koodi

A secure and easy to use remote & physical payments service.
Koodi is a mobile app that allows users to make & accept remote & physical payments.