Researcher’s estimates report that

 48 million

unbanked consumers in the USA.

5 million in Canada, and world-wide over 1 billion individuals!

Over 100 million

of these unbanked individuals will have access to and use

PinPay

These unbanked debit card-holder consumers have access to all the products and services offered by merchants.

Groundbreaking Debit Network

The groundbreaking PinPay Debit Network from ACAP Security, Inc. represents the world's first global, eCommerce capable, pin-based payment and Electronic Funds Transfer (EFT) service. Using proven, cutting-edge, ultra-secure, proprietary Triad Tunnel Secure encryption technology (TTS), PinPay and the accompanying Software Debit Card, SoftCard, enable nearly all consumers, regardless of banking status (no checking account required), age or credit history to quickly and easily gain the high security of a PIN code for shopping, money transfers and bill paying securely online and off at participating brick and mortar merchants and service providers worldwide.

Everyone For FREE

NO IDENTITY THEFT

Everyone, for FREE, can receive a personal, electronic money SoftCard instantly online and at participating merchant locations with NO minimum deposit required. SoftCard holders encounter NO card purchase fee, NO monthly account fees, NO interest payments, NO late fees, NO over the limit fees and even more importantly, freedom from identity theft. SoftCard is a welcome upgrade in technology beyond the plastic offline credit card to an online software-based, highly-secure debit card.

click for Merchant information

Zero Impact on Existing Payment Programs

Designed for acceptance and use by virtually every business and industry type, PinPay affords merchants online and off the unique, money-saving benefits of complete elimination of costly fraud, charge backs and holdbacks. The network ensures instant delivery and availability of funds with zero impact on existing payment agreements or programs. Now, with the removal of friendly fraud, PinPay immediately opens every eCommerce storefront to over 1.2 billion worldwide Internet customers!

NO SETUP FEE

Thanks to a simple upload and the absence of additional equipment, set up fees, deposits or monthly processing fees, virtually every merchant, business, organization or government agency can join the PinPay EFT Debit Network FREE of charge.

Lowest Transaction Fees

Valuable Tool for Managing Payroll

Plus, participating PinPay merchants and service providers enjoy the lowest transaction fees or "discount" rates compared to other debit or credit payment systems. PinPay also presents each retail merchant the opportunity to generate additional revenue by offering consumers system-assisted bill pay, card loading and various other network related services. PinPay is also a valuable business tool for managing payroll.

For complete information on how YOU can participate in the global expansion of this great product contact me NOW.