Accept More Ways to Pay, Safely and Instantly.
Approval X Acceptance gives merchants real-time, item-level validation to apply discounts, promotions and healthy benefits accurately at checkout.
We connect directly with your point-of-sale (POS) – confirming eligibility, verifying payments, and adjusting totals instantly. Be ready to accept however your customers want to pay.
Limited Acceptance Leaves Value on the Table
When discounts or payment options aren’t accepted, value is lost and trust suffers. With more ways to pay than ever, many checkouts can’t keep up – leading to missed savings and abandoned baskets.
Customers want every offer and payment type to work, every time.
Approval X Acceptance in Action
Promotional Acceptance
Easily apply and validate targeted, item-level promotions at checkout – without slowing down the sale. Whether brand or retailer-funded, every discount is validated instantly through the POS to ensure the right savings go to the right customers.
Visit page
Healthy Benefits Acceptance
Accept employer and government-backed programs seamlessly. Instantly apply benefits at checkout and improve access to essential food and health products.
Visit page
The Intelligence Behind Approval X Acceptance
SKUPay® is SKUx’s patented engine. It powers real-time approvals at item level, connects across POS and cloud environments, and works with all major payment types – without exposing sensitive basket data.
Its modular design, featuring SKUPay® POS integration, SKUPay® Cloud API, and containerized deployment, supports various use cases. That means faster validation, instant value delivery and simpler program management at scale.
Built for Merchants, Ready for Scale
SKUPay® simplifies complex benefit, discount and promotion processing.
Single Integration
SKUx is built for fast implementation across compatible systems – making it easy to get up and running at scale.
Selective Basket Data Sharing
Shares basket-level data only when needed, ensuring validation stays secure, efficient, and rule-aligned.
Payment Options for the Future
Supports digital or physical debit and credit cards, QR codes or wallet pass payments all in one flow.
One-to-Many Program Support
Accept multiple benefits, promotions and funding sources through one configuration.
Incremental Value
Automatically recognize and apply eligible value to transactions, turning checkout into a revenue opportunity.
Give your Checkout a Competitive Edge
Your checkout can do more. With SKUPay®, you validate offers in real-time. No data-sharing, no POS overhaul, no added complexity. Reduce errors, increase speed, and unlock more value with every transaction.
Transparency and Traceability with Hedera Hashgraph
SKUx uses Hedera’s distributed ledger technology to transparently record and maintain secure payments. Its open-source, leaderless, proof-of-stake network creates a trusted, permanent record of every SKUx-powered transaction.
This brings the power of distributed ledger technology into real-world use – tracking and validating item-level payments across retail, CPG, and government-backed programs. It helps reduce fraud and improves visibility across the payment chain. As sectors like healthcare, public benefits and digital incentives evolve, having a clear, reliable record of each transaction is more important than ever.
