JooL Pay

JooL Pay is a modern QR-code-based payment solution designed for tips, donations and instant transactions. Licensed by Latvijas Banka to operate in Latvia, it provides businesses and individuals with a fast, secure way to receive and manage cashless payments.

In hospitality and charity sectors, many small businesses face friction — cash handling, manual tip distribution, poor visibility, and slow settlement. The goal was to build a lightweight, accessible payment system with instant payouts, QR scanning, and simplified compliance.

QR Code Generation

Unique codes linked directly to accounts enabling instant digital payments.

Ledger & Accounting

Integrated financial records for accurate tracking and reporting.

Acquirer Integration

Connectivity for seamless settlement and payment routing.

Compliance & Transaction Controls

Configurable transaction limits, automated AML screening, and audit-ready reporting.

Mobile Applications & Notifications

Fully functional iOS/Android apps with real-time push updates and SMS alerts for end-users.

Result

JooL Pay allows merchants and service professionals to receive payments instantly, without handling cash, while keeping full visibility of transactions and balances. By leveraging the Artis QR Payment System, the platform combines a smooth user experience with bank-grade security, regulatory compliance, and scalable infrastructure.