PAYMENT METHODS
![Features - Internet banking](https://www.cyclos.org/wp-content/uploads/2016/11/Online_banking_Grey100-px.png)
Internet banking
Make payments, browse your account history or find products are just some of the many online features.
![Cyclos Features - SMS](https://www.cyclos.org/wp-content/uploads/2016/11/SMS_Grey200-px.png)
SMS
Do payments by sending sms keywords or other custom commands. Click here for more.
![Cyclos Features - IVR](https://www.cyclos.org/wp-content/uploads/2016/11/IVR_Grey200-px.png)
IVR
Interactive Voice Response: do payments, get account and payment information by calling a number.
![Cyclos Features - Multiple identifiers](https://www.cyclos.org/wp-content/uploads/2016/11/Number_Grey200-px.png)
Number
Multiple identifiers supported. E.g. pay to: name, email, phone number, account number or qr code.
![Features - Mobile app](https://www.cyclos.org/wp-content/uploads/2016/11/Online_banking_Grey200-px.png)
Mobile app
Rebrand our mobile app to offer your clients a complete internet banking app. Click here for more.
![Cyclos Features - USSD](https://www.cyclos.org/wp-content/uploads/2016/11/USSD_Grey200-px.png)
USSD
Sparcodb can also be used using USSD commands on any phone. Click here for more.
![Cyclos Features - QR-Code](https://www.cyclos.org/wp-content/uploads/2016/11/QR-code_Grey200-px.png)
QR-code
Pay with our app to a printed QR code or generate a QR code on our app to receive payments.
![Cyclos Features - NFC](https://www.cyclos.org/wp-content/uploads/2016/11/NFC_Grey200-px.png)
NFC-card
Pay by holding an NFC card to an android device to do quick and secure payments. Click here for more.
![](http://213.136.88.69/content/images/bk4A4KQD8CPGfXOWqGC5ci2QL1KJM8ATIAX0koZuAQvtvsdPpVBBR3YZ6UA2JEea_1200x436.png)
BANKING FEATURES
![Cyclos Features - Multiple Currencies](https://www.cyclos.org/wp-content/uploads/2016/11/multiple-currencies_Grey200-px.png)
Multiple currencies
Create multiple currencies and create accounts and transaction types for each currency.
![Cyclos Features - Multiple transition types](https://www.cyclos.org/wp-content/uploads/2016/11/multiple-transition-tipes_Grey200-px.png)
Multiple transaction types
Add payment fields and many rules to transactions, such as PINless payment thresholds, min/max transaction amount, allowed on selected channels and much more.
![Cyclos Features - Advanced payments](https://www.cyclos.org/wp-content/uploads/2016/11/Advanced-payment_Grey200-px.png)
Advanced payments
Pay to unregistered users (email/SMS), requests or schedule payments, payment authorizations, etc.
![Cyclos Features - Account and Transition fees](https://www.cyclos.org/wp-content/uploads/2016/11/Account-and-transition-fees_Grey200-px.png)
Account & Transaction fees
Monthly contribution payments, demurrage, interest payments, flat or percentual transaction fees and custom fee calculations (with script extension point if needed).