InitiumPay offers a new way of making purchases, building a solution that is able to optimize costs for commercial operators, allowing customers to save and share benefits with their network. Our ecosystem is built on a payment platform integrated with online ecommerce and in physical affiliated stores. In this way, all users of the InitiumPay Community can make purchases, receiving an immediate cashbach from merchant, choosing from numberless products and services. Affiliated businesses, as well as partner online ecommerce, can reduce transaction costs, allowing considerable savings. In the concept of Community we have also conceived an operating dynamic that recognizes the opportunity to be paid with a revenue, both for the commercial activity affiliated and for individual users, which share the membership advantage with its network. Thanks to our systems it is possible to build customized payment tools - Gift Cards - and solutions dedicated to business management - welfare and reimbursement and expense management tools.