Low-friction online payments for the offline mobile customer


MetaSepia is enabling >2 Billion  videochat-capable phones/tablets/other devices AND  video-chat networks supporting their >850 Million daily members, and a payments services provider (PSP) as an optical payments system in one of our 2 emerging products:

  • We enable an offline mobile to online-cloud with typical TLS/SSL, EMV or other protocol transaction via video-chat windows, both in-session payments or an embedded vide0-chat window. We accomplish this by using the common devices display and selfie-camera hardware. This effectively links the offline-customer to an online-merchant via any such device, greatly reducing merchant friction and adding the fraud, security, wallet function, receipting and rewards, and other features at the mobile Point of Sale (mPOS). We provide CNP contactless payments profiles at present and are developing cloud-based CP transactions. ME merchant’s mPOS are online pass-through extensions directly to the consumer offline phone. We enrichen the offline consumer at the online-merchant mPOS, and we can do so for over 1.2 Billion video-chat capable phones and many of the >2 Billion video-chat capable devices.


  • We enable device-to-device mutual authentication and payments with the same EMV or TLS protocols as present NFC payments, but use the optical channel as the communications interface. In this instance we provide a similar payment protocol as NFC-EMV Contactless payments, with authorization request sent to the Payment Services Provider. We also support offline-to-offline payments with identical protocols as present batched offline NFC payments. The optical transactions occur between phones and not an online cloud/server. This product supports emerging proximity transactions with mutual authentication and ID verification.


We provide mutual authentication and support proprietary protocols to present static 1-way QR code payments, and expand EMV, TLS and other protocols beyond the NFC device, Operating Systems, and offline data sharing limitations. We extend SaaS cloud payments, not the device level, and incorporate typical online payments security processes.  We provide offline data sharing at the mPOS. We are software-only, not requiring the Secure Element chip, and utilize existing Secure Enclave and Point to Point-encryption (P2PE) for wallet PCI compliance.

We turn an existing video-chat network, both video servers and the ad hoc hosted networksinto a payments network. Adoption via a common Zoom membership marketplace offering, for instance will be available to >850 million daily users. This is an ad-hoc network for almost all devices as a Zoom, in this instance, network-effect multiplier opportunity and beta test opportunity.

We demonstrated a mobile to mobile GooglePay and Paypass optical payments between offline IOS and online Android devices on the Abrantix CH certified test network, processing an HCE static test token in 2.39 seconds in Dec, 2020. This phone-to-phone payment prototype utilized a certified EMV L2 kernel with protocols for mobile NFC, with normal payments services provider processing and transaction authorization for NFC payments. We can also demonstrate a similar TLS transaction.

Company shareholder-developers in MetaSepia and assisting to achieve this extraordinary technology include  Cryptomathic GB, Smart Architects GB, and Abrantix CH. This company partnership, utilizing some of their ~100 collective payments and security engineers will assist, as needed, in development of this network. Our motivated partnerships have vetted the technology with demonstrated capabilities, a fully-inclusive payments for all devices vision, IP protection, a professional team, an existing opportunity and need, and a path to rapid success!

We’re raising  $2 Mn in seed funding in 2021 for a 12+ month program to advance the prototype to MVP and beta-testing, and are working towards partnering with payments processing partners in 2021. The low cost of entry to MVP and high upside potential as an entirely new low-friction ad hoc payments network qualifies this as an exceptional partnership and investment opportunity!

Please view our more technical presentation on this site for more information on this exciting opportunity of introducing payments to the existing video-chat networks and growing the largest scalable mobile payments network!

Fast encoded bidirectional fully-emissive data colorgrams

The multi-bit always-emissive color beacon technology greatly increases data payloads and signal-to-noise improvements over static QR codes, and can be located across the displays as patterns, logos or other objects. The beacon’s multiple colors offer multi-bit data depth far exceeding QR data density, and necessary for EMV or online security protocols and data sharing with processing in similar times as NFC payments. Our optical codes sequence at high speed for bilateral communications required for the highly secure mutually authentication transactions.


Please view our short slidedeck on this site for more information on this exciting opportunity of merging online payments with the offline consumer and introducing payments to the existing video-chat networks to grow the largest scalable mobile payments network!


Join us as we extend online payments and turn on the largest global payment networks!

Kerry Brown, CTO and co-founder:  kbrown@metasepia.com

Seed Round and Partnership Opportunity

Youtube links and Downloads

Mobile Optical, no-NFC, EMV and other protocol Payments Systems for all devices and OS with front-facing cameras. We extend online payments directly to offline customers at the mPOS!

Our Team

David Watkins

CEO, CFO, director

Kerry Brown

CTO, cofounder, director

Peter Landrock. PhD

Crypto Security Expert, cofounder, director

Dan Cvrcek, PhD

Advisor, Steganography and analysis

Cryptomathic A/S


Smart Architects UK


Abrantix AG


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