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The MUUME platform and its functions are 100% digital, from the user to the merchant

The MUUME platform is modular and adapts to the respective market situation. The front-end and back-end were developed independently with the latest technologies and are constantly being developed further.

MUUME Front-end

  • Registration as a user or merchant
  • Registration of sub-accounts
  • Digitized KYC processes
  • Digitizing products or services
  • Digitizing the shopping cart
  • Paying and accepting payments
  • Initiating repayments
  • P2P payments / payment request
  • Overview of all transactions
  • m-commerce shopping
  • Creating various money charging methods
  • Money debit function
  • Creating a separate wallet account
  • Contact management


MUUME Back-end

MUUME has flexible APIs / SDKs, which can be integrated into any third-party system:

  • Flexible enterprise resource planning API / SDK
  • Flexible payment API / SDK

MUUME has its own enterprise resource planning system that is  connected with that of the merchant's via API. The advantages:

  • Quick product representation on a smartphone
  • Data synchronization according to the merchant's needs
  • Incorporation of all common money charging methods
  • Using the wallet to manage money in all currencies and similar monetary means, such as coupons
  • Use of various technologies, such as QR codes, barcode, beacon, WiFi, NFC
  • Use both in m/e-commerce as well as in stationary business
  • MUUME is multi-bank / multi-provider capable.
  • MUUME is a cloud-based wallet solution.
  • MUUME is an independently licensed PSP (Payment Service Provider).


  • Administration of accounts (user, merchant)
  • Management of sub-accounts
  • Sequence of the KYC process can be defined in the context of legal requirements

Appearance options on the market:

  • Under the MUUME brand
  • As co-branding with MUUME
  • Own merchant solution (white label)

MUUME ensures:

  • Data protection
  • Compliance with the necessary regulations
  • Detection of fraud
  • Maintenance of MUUME high-security servers