Payments built
for the islands.
AIIC builds the payment infrastructure real communities run on — TickTap, our tap-to-pay wallet and card across Samoa; Flexi Loans, our consumer finance platform; and POSRouter, the routing engine underneath them both.
- 3
- Products on one stack
- Live
- Deployed in Samoa
- Pacific
- NZ · Samoa
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Meet TickTap
TickTap is AIIC's flagship — a prepaid consumption card and wallet that brings cashless tap-to-pay to everyday life in Samoa. Riders top up at local stores, then tap to pay taxi, bus and ferry fares in seconds. No cash, no exact change.
- Two card tiers — Aute for riders, Honu for partners
- Top-up network across supermarkets and petrol stations
- Contactless fare collection on transit and at retail
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Flexi Loans
Your repayment plan
Flexi Loans
Access to fair, flexible finance isn't a given across the Pacific. Flexi Loans is AIIC's consumer lending platform — straightforward loans with repayment split into manageable installments, so people and small businesses can plan ahead with confidence.
- Simple applications, decisions without the wait
- Flexible repayment in clear, scheduled installments
- Built for individuals and small island businesses
One stack behind both products
AIIC designs and operates end-to-end financial technology — from the card in a customer's hand to the switch that clears every transaction. TickTap and Flexi Loans both run on it, proven in the field.
Prepaid card issuing
Issue and manage prepaid balances with tiered limits, registration flows and instant top-ups.
In-person acceptance
Contactless card and QR payments on smart POS terminals, orchestrated in real time from the cloud.
Real-time switching
A payments core that authorises, deducts and settles each transaction in seconds.
Lending & installments
Loan origination with automated installment scheduling and clear repayment tracking.
Powered by POSRouter
POSRouter is AIIC's payment-routing engine — the switching layer beneath our products. It takes a single request from a point of sale and delivers it to the right payment processor, whether that's an app on the same device or hardware across the room, over a network that configures itself.
It's how a tap on a bus, a QR scan at a counter and a terminal in a shop all settle through one reliable core — and it's a platform any business can build on.
Smart routing
A single 'pay' request is routed to the right processor automatically — no branching logic at the point of sale.
Cross-device orchestration
A phone, a terminal and a checkout can act as one — the pay request finds the right device over a self-configuring network.
Secured end to end
Transactions travel inside key-based secure envelopes, authenticated at every hop from device to gateway.
SDKs for every surface
Native Android and iOS SDKs plus a lightweight gateway make integration a few lines of code.
Let's talk payments
Whether you want to bring cashless tap-to-pay to your market or partner with the team behind TickTap, we'd love to hear from you.