A truly Global Digital Wallet with API integration option assisting traditional Business to integrate and issue Digital Payment Requests. Operations in: Australia, United Kingdom, Thailand, Switzerland, United States of America. HowToPay is a registered trading name and trademark of Confidia AG. Confidia AG (Switzerland)operates under the regulatory supervision of ARIF Genf (Member No.: 3188), a self-regulating body approved by the Swiss Financial Market Supervisory Authority (FINMA) for the supervision of the financial intermediaries referred to in article 2 para. 3 of the Swiss Federal Law on combating money laundering and terrorism financing in the financial sector (AMLA). ARIF is also recognized by FINMA as a professional organization for laying down rules of conduct relating to the practice of the profession of independent asset manager within the meaning of the Swiss Federal Act on collective investment schemes.