September2020 Redesign on the way...


The online-world is not sustainable and creates exclusion, a simple day-to-day payment (with card) takes time, creates embarrassment when there is poor connectivity, and doesn't work if the internet or mobile networks are down.

In order to make the online world perfect and not leave anyone excluded, the new secure OFFLINE Chip2Chip solution paves the way for the 5th Payment Revolution and 100% inclusion.

1 Second... always

1 Second every time, without connectivity! Can you imagine that all your day-to-day spending can be made, every time within just 1 second?

No need for digging in pockets, purses, or wallets to find change or wait for the vendor to find change to give back to you. That's the reality when using the newly invented Chip2Chip Solution.

Open the Chip2Chip Video on Youtube Visit demo video on Youtube

Going Cashless needs NEW thinking

If you are as the fellow here, sitting comfortably in a trend-bubble, your future thoughts of what to do likely come from the system brand and their marketing prowess causing you to buy more systems. Perhaps you should re-think what truly matters!

Contributing to a greener future and creating sustainability must be based on NO ONE being left behind, no more exclusion. You can contribute to a more fairer digital future if you combine online solutions with an offline complement.

This website is rather technically oriented, describing the benefits of making tokenized (digitally signed) data records on the spot when we make a payment as an example. If you instead want to read and see more about the ViA MiniPay solution, you are welcome to visit We will explain the benefits and explain how things work today and why it is necessary to bring to the global market a natural complement to the online world. Many people take it for granted that everyone has 4 different credit cards, 2 or more different ATM (Debit) cards in their wallet, and, most likely, at least have one smartphone. If you recognize yourself as part of this described group, keep in mind that you are a minority, just the top of the world's consumer pyramid.


Are we just riding a trend, that everything should be online? If you are in the industry, have you ever thought about how or what to do when online will not work?

The reason in most of the cases is that when we think about making the transaction, creating a safe record, we think in a manner of two-dimensions: A user with a device - A system processing a request.

As you know, the processing-dimension in most cases has a whole range of systems involved before a request is answered and many times a simple digital payment can travel between continents before it comes back to a POS terminal, on the other side of the world.

What are true OFFLINE payments?

Many payment solutions and their brands claim they do "Offline' payments. In fact, that is far from true. Maybe they hope that if they repeat it often enough, people will believe that an ant is actually an elephant?

True OFFLINE is when you can use a smart-chip card, held in your hand, means your card is Offline and you can touch your card to a payment device which at the time is Offline, then and only then it is a true offline payment being made.

Neither the user's device (card) nor the vendor or merchant device uses any connectivity to a back-end system at the time you make the payment.

What is Chip2Chip?

Chip2Chip is a metaphor 'slogan' of what it actually represents, a simple wording and visualizing what is actually being done when you would use the very uniquie ViA MiniPay Offline solution and the new ViA Offline Wallet (VOW) solution for making an offline payment.

Are you familiar with the term 'Cashier Cheque' ?
a Cheque is given from a bank and guaranteed by the bank. In some parts of the word the same payment instrument is also known as 'Demand Draft' or 'Payment Order'.

What do I need to have for making a payment Offline

The consumer has a ViA Card with Smart Chip (or any other card or device). On the Smart Chip, there is a new secure Offline Wallet, namely VOW, where you as the user have pre-loaded a value, say $100. When you come to the street Vendor who sells, fruit, you need to pay $1.12. The street Vendor has a ViA MiniPay Offline Terminal, you enter the amount on the terminal and then touch your card to the MiniPay terminal.

MiniPay terminal with a Vendor smart chip card and a user with a ViA card held above the terminal to make a payment

Making a payment Offline

When you touch your card to the MiniPay terminal, the Vendors Smart chip will request the value of the approved purchase (approved with a personal PIN by the user). If the requested amount exists in the VOW wallet, the TWO Smartchip creates a secure, digitally signed Token. As in the metaphor, your wallet actually issuing a digitally signed Cashier Check (Bank Draft) to the Street Vendor.

Welcome to the Chip2Chip Offline Payment Solution.

Chip2Chip is a brandname for a global patent apply Innovation by Lars Olof Kanngard and Mats Engstrom as a descriptive name for a uniqe solution on how to make payments or transactions without any kind of communication, at the time a payment event is made.

With an exciting and very successful preparation to launch into the vast country of India, the ViA Group continues its mission of bringing the ViA Model and the ViA Concept to the entire world.

100% Inclusion 0% Exclusion

The latest patented innovation, the ViA MiniPay, offers for the first time in the world a true OFFLINE POS terminal. A secure digital payment solution based on NFC and Smart-Chip technology, which contribute 100% Inclusions rather than 75% Exclusion.

The ViA MiniPay works . without INTERNET . without Mobile connectivity and without .Electricity.

GOING GREEN . reducing Carbon Footprint by 75% . The created secure VOW Tokens are safe and secure at the time you pay and can be uploaded to a back-end system at any time, in batches or as we say, by BULK. Resuts in that datacenter facilities can be reduced by 75% and works 27-7-52, instead being built with a capacity fr peak-hours, only.

Leading the WAY for 20 YEARS

The ViA Group are the original team who has contributed with solutions and inspired many individuals and corporations to make the future e-Society FREE-SAFE-FAIR.

. . . ViA a better way!

OVER 100 COMPLETED INNOVATIONS and Security Solutons

ViA CAshier Solution and Barcode Reader

VOW, It's a PAYMENT Revolution

Going towards a cashless society, starts finally to become a topic which is not any more farfetched. It is a HUGE topic and with huge changes for the billions of people, traditional payment providers creates Exclusion, when we actually need Inclusion.

ViA MiniPay KISS

Keep It Simple and Secure, that's the ViA Teams moto. After many years Research & Development and detailed study of what the street vendors and the small businesses needs, the ViA Team invented the ViA MiniPay Solution. VOW is a true OFFLINE Solution.

Visit the ViA MiniPay website

SOLUTION and Features

At the time when you should pay, the Vendor has a MiniPay POS terminal and a Vendor Smart Chip Card. You as the User and being a consumer you have a Smart Chip card or device with an eSIM.

At the time when you shall Pay, you just touch your card to the MiniPay terminal and the payment is completed, less than 1 second.

  • NO need for Internet
  • NO need for Mobilephone
  • No need for external power

  • VOW - ViA Offline Wallet Features

  • Vendor Aprovals
  • PIN Code, where user can set levels
  • KIDS Pin-Code, parent controll where to Spend
  • Transacion History with NFC
  • ViA TAB - local shop Credit Managements
  • User Protection - Blocking Code

WHAT IS Chip2Chip

Smart Chip - New Thinking

First in the world to invent that two smart chip can create a digitally signed Token, at the spot, without communication with a back-end system

VOW Secure Token

Asymetric dgitally signed Purchase-Record assigned to the Vendor, at the spot.

Due to the fact that the two smart-chip created a digitlly signed record, that means that the record is SAE and can be stored in any un-safe medie.

BULK Upload

At the end of the Day or at any time, the Vendor cn upload gathered Tokens and by using an online devis (unsecured device) the Tokens can be uploaded for verification.

WRONG WORD For the wrong Event At the wrong TIME

Offline vs. Offline

Industry confusion The FinTech and the legacy card payment industry are stuck in a tunnel-vision. They refer to 'Offline Payments' to a card transaction which was NOT able to be verified, due to lack of communication, no internet communication, such transaction is a NON COMPLETED TRANSAACTION.

Making a payment and there is no communication

By dictionary, the word 'Offline' is defined as :(of a computer) not connected to or directly controlled by a central system, or not connected to the internet

Every payment solutions within the FinTech are dependent on a central system and a transaction cannot be completed without such central system, or as we say 'back-end' system. So if a transaction is kept (while communication is down, not working) and later when the communication is back and the terminal or device being used have a connection with the central system, such transaction will be processed and validated

Who Takes The Risk?Asume I do have a debit card, I go into a shop, buy something for US$50 and use by debit or a credit card and at the time for the payment, the card acceptance terminal, the POS terminal do not have any communication, but the terminal accept my 'non-validated' purchase to be what they call an offline transaction.

I walkaway with whatever I did buy and when the communications come back, the POS terminal will send up that non-validated purchase event to the central back-end system and when the central system sends a question to the bank where I have the account, my bank would answer back 'there is no funds'.

Who will stand this Risk

WRONG WORDIt is not proper to use the word offline as a name on an ERROR on NON-COMPLETED purchase events, absolutely wrong and as a result, the industry does not only create confusion, they are building and encouraging criminals to set this kind of system weaknesses into a broad scam.
ViA CAshier Solution and Barcode Reader


VOW is a synonym for ViA Offline Wallet. The ViA Offline Wallet is a patent applied system, software solution, embedded in the smart-chip, part of the Offline MiniPay POS terminal innovation, part of the applied US and PCT patent, 2017.

The VOW solution can both be integrated, as standard in the MiniPay POS terminal and also be part of software in an online traditional POS terminal

VOWis the first in the world secure Offline wallet, where values, pre-loaded and stored on a dual-processor Smart-Chip on a device, such as a Card or a mobile with eSIM.


Consumer 2 Vendor, means that the consumer pay the Vendor with a smart chip and using the VOW.

SOLUTIONS to a Cashless Future.

A NEW Global standard for Secure Offline Payments

  • Business & Revenue Model Innovation
  • Instant Payment and Settelments
  • Open Value Added Service Ready
  • ViA Card smart-chip Ready
  • National e-Value Hub Solution
  • 100% Open Source Based Transaction Hub
  • Consumer Validation of ATM and POS
  • Micro e-commerce Ready
  • CRM for the smallest business
  • Datamining Ready
  • OFFLINE Secure Payment Solution
  • Offline Wallet Solution

What ViA We Do

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National e-Value Hub

Autonomous solution for Governments.

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ViA MiniPay

A true OFFLINE POS Payment Solution.

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Futuristic Business Model Innovation which turns.....

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Open secure Multi-Function and Multi-Service POS Network.

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ViA TAV - Security Solutions & Cyber Security

Patented security solution for POS and ATM.

Multi Wallets in the same smart chip

The VOW concept can handle multiple wallets on the same smart chip. As an example one for the day to day spending with prepaid/loaded money-values and another wallet can handle quantities of Rice, Oil, or dedicated emergency grants.

Smart Chip Just got SMARTER... ViA a better way!

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