S2Pay is an innovative mobile payment solution for retail and online purchases without revealing the customer's actual financial details. A one time use dynamic Transaction Authorization Number(TAN), which is only valid for a short time, is generated and passed on to the merchant to effect the payment. No special hardware or software required on merchant side, any mobile phone could be used as a POS terminal. With the mobile application the end consumer can use the solution also in offline mode, so it will work even in locations where there is no network signal.
