A model that challenges the architecture, not just the interface

Anna enables payments directly through the consumer's existing banking app, via a simple QR-code scan or contactless mobile payment. No additional application required. The QR code itself can be generated on standard existing hardware, deployed through dedicated payment infrastructure or integrated directly into a webstore environment. For developers and platform operators, Anna provides SDK access for straightforward technical implementation across any sales channel. 

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The entire transaction is handled on the consumer's own device, eliminating both the cost layers and the security and hygiene risks associated with traditional point-of-sale hardware. For merchants, this means payment acceptance with minimal setup and no dependency on third-party hardware cycles. For consumers, it means a frictionless experience through a trusted channel they already use.

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European independence as a design principle

Anna is not a European product built on top of a global network. It is a European model designed to operate independently of the international card schemes that currently dominate the market. At a time when digital sovereignty is a strategic priority across the EU, Anna offers a concrete, deployable answer. Not a roadmap, but a working solution.

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A pricing model that finally works for merchants

Because Anna is not bound by the interchange++ model, it can offer structurally lower transaction costs based on actual cents, not unexpected percents. This is not a promotional discount. It is a fundamental consequence of the architecture and profound strategic choices.

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But the cost advantage goes beyond the transaction fee itself. Anyone who wants to accept payments: a retailer, a school, an association, … no longer needs to navigate the complexity of POS systems, terminal contracts, or hardware maintenance cycles. Anna works standalone, integrates where needed, and removes the operational overhead that has made payment acceptance unnecessarily burdensome for merchants of every size.

 

Why now, why Anna

The conditions for change are in place. Merchants are looking for flexibility. Consumers are comfortable with app-based payments. Regulators are actively encouraging European alternatives to global card networks.

Anna brings these together in a solution that is already operational, scalable across merchant types, and built without dependency on the infrastructure it is designed to replace.