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Wallet Platform

The closed-loop payment network infrastructure for Partners, Dealers, and end users.

What is the P1 Wallet Platform?

The P1 platform enables a Partner to build and operate a private payment network - a closed-loop ecosystem where affiliated brands (Dealers) and their stores can accept instant Account-to-Account payments from consumers holding a Wallet. The Wallet is a limited spendable payment instrument operating under PSD2 exemption (Art. 3k, Directive 2015/2366), which means consumers can top it up, spend within the network, and request refunds without the regulatory overhead of a full payment account.

Key concepts​

  • Network - the ecosystem of brands and stores where the Wallet is accepted.
  • Wallet - the user's digital balance, funded via SDD, SCT, cash, loyalty points, or welfare credits.
  • Onboarding - the registration flow to create a Wallet for a new user.
  • Payments - instant A2A payments at point of sale (QR code, push notification, and more).
  • Top Up - the different methods to load funds into the Wallet (SEPA Direct Debit, bank transfer, cash, loyalty, welfare, third-party).
  • Refund - returning funds to the user via SCT or cash.

How to navigate this section​

Start with Wallet Overview and Network to understand the data model and the key actors. Then read Onboarding and Payments for the main integration flows. When you are ready to implement, go to How To for step-by-step API recipes covering wallet management and transaction execution. All API endpoints referenced in these guides are documented in the API Documentation section.