Vienna Payment Solutions

Mobile Payment – anywhere in the world
How it works

The Company

What We Do

Mobile payment is THE megatrend in the payment sector and will continue to gain massive importance in the future. The Covid-19 pandemic in particular has highlighted the necessity and advantage of contactless payment. Currently, there are already various applications in the market, which, however, is still at an early stage and will develop dynamically in the future and offer room for further solutions.

The Product

Unlike previous solutions, horizon focuses on the complete digitalization of the payment process: on the one hand, no physical payment card is needed (it is „tokenised“, i.e. encrypted) and no physical payment terminal on the other. This highly developed solution is extremely easy to use for the merchant and the consumer and considerably lowers the barrier for entry to digital and mobile payment, therefore promoting financial inclusion and suggesting for individual, local payment solution – for all geographies. Find out more

Who We Are

vipaso GmbH (registered in August 2019), Vienna Payment Solutions, is a Viennese start-up dedicated to the topic of payments, specifically mobile payments, and has developed an end-to-end complete solution. 

The company is managed by

Wolfgang Platz, President

Entrepreneur and tech investor, founder of the IT unicorn Tricentis.

Peter Neubauer, CEO

Payment veteran with 30+ years industry experience.

Matthias Horvath, CPO

Payment & fintech expert with global experience of scalable payment solutions.

vipaso GmbH is owned by private investors

Payment with a fingertip

End-to-End Independent Mobile Payment System
Download Infofolder

The world is ready for a new payment paradigm

A state-of-the-art payment solution, usable anywhere in the world, independent from payment schemes, mobile phone companies, mobile operators or existing financial rails, based on Bluetooth Smart© data transmission technology:

Why horizon?


What is needed is simple, two handsets, two apps and one solution: by simply waving the handsets to each other and tapping “ok” – the payment is done.

Works anywhere in the world

Pushing the boundaries to a new horizon.

Driving digital revenue

Successful loyalty features and coupon campaigns can help retailers acquire customers and drive online sales. Therefore increasing offline sales and foot traffic to physical stores.

Payment with a fingertip

The Smartphone and mobile handset have become the ubiquitous device in the hands of billions of people, worldwide. Banks, financial institutions, retailers, shopping mall operators and many more are striving to provide easy, reliable, resilient and convenient payment solutions.

Redefining Retail

Customers want to avoid the store’s check-out lane but experience convenient, hassle-free payment directly at the agent


No card data is ever stored on the devices or the servers. All data exchange is encrypted. All card scheme specific security mandates followed. Access to the apps is secured by code or fingerprint. Customer privacy is of utmost importance, no access to consumer data for merchants.


horizon is at par with the industry solutions, like Apple Pay or Google Pay © but independent from them. The system can be run and implemented by anyone. No bank or financial services license required. It’s running on >90% of the smartphone devices worldwide.


It can be easily expanded and developed further – as the system is proprietary and under full control of the owners.


It is offering the full set of components for running the end-to-end payment transactions.


The system is completely white-label – any brand or name can be used to market it. It can be interfaced with any system and service provider required to conduct the transaction cycle.

easy, fast and convenient

Usage of the apps is intuitive and very easy to understand. No “training” or “introduction” of users required.
No extra hardware needed for the merchant.


The appealing interface design is edgy and an eye-catcher for the users. This modern way of payment is a differentiator for those who get into it and a great user experience. And for those who offer it to their customers, being it a merchant or a consumer.

good business

Anyone who runs the system (owner/license holder) is in full, autonomous control over every aspect (financial, commercial, business wise) of the business, conducted with the solution.

How the system works

The horizon system consists of these components:

1. the merchant terminal app

2. the consumer app

3. the horizon backend

It stands for a modern, independent, end-to-end mobile payment solution fully controlled by the stakeholders.

It’s unique – It’s horizon

horizon stands for a comprehensive solution based on in-depth payment knowledge combined with outstanding technical features to ensure a competitive, yet user friendly product. It’s prepared to be utilized in various cases, geographies and environments.

1. It’s completely software based

No terminal hardware is needed.

2. It’s end-to-end

One solution to cover and initiate the entire process and value chain.

3. It’s flexible and scalable

From the local solution to the countrywide coverage.

4. It’s secure

Highest standards are met by all-encrypted traffic and tokenization.

5. It’s ubiquitous

iOS and Android versions wait to excel expectations.

Contact Us

vipaso GmbH
Leonard-Bernstein-Straße 10,
16th Floor Saturn Tower,
A-1220 Vienna
Commercial Register: FN 517437m
+43 1 309 0710

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