New chatbot for money transfer from card to card (01.08.2019)


Visa and launched Person-to-Person money transfers in Viber for Ukrainian clients

Kyiv, 1 August, 2019 - Visa and, leading payment service provider in Ukraine, today announced the commercial launch of Person to Person bot giving cardholders an ability to quickly and securely make money transfers via Viber – popular instant messaging application.

Now using that solution cardholders can send money within seconds to their friends and relatives. Different scenarios of sending and requesting money are available from now - card to card transfer, from card to phone number. Special offer is available for Visa cardholders: they can send money with this bot without any fee till the end of October.

Try using the bot in three simple steps:

  • 1. Scan QR code or follow the link;
  • 2. Add your card to the bot;
  • 3. Send and receive money.

“Launch of the person-to-person transfers in Viber marks an important step in digitalization of each and every aspect of everyday life. With this solution Visa brings best-in-class UX of person-to-person transfers to new environment – messenger platforms, that is so popular among Visa cardholders” said Uttam Nayak, Senior Vice President, Push Payments and Value Added Services, Visa CEMEA.

“ is always looking for the new opportunities for our customers that would simplify their payment routine and free up their time for things that matter. Our bot for P2P payments will be easily available for more than 90% of smartphone users - the audience of Viber in Ukraine. There is no need to install any new app to send money, it's simple as 1-2-3. We welcome banks and other partners to join us expanding this new technology” said Svyatoslav Komakha, CEO of

Visa Person-to-person money transfer solution was developed by Visa`s strategic partner - Middleware Inc. (, solution based on Visa APIs and could be extended with additional services like digital card issuance, QR payments, loyalty etc. P2P Bot as white-label solution is scalable and can be used by Visa bank and partner across CEMEA region. As the next step, this bot will be launched in Telegram messenger.

“This is the fastest project for us. Bot p2p money transfer has been created, tested and launched within few weeks only” said Alexander Vityaz, CEO & Founder Middleware Inс.

About Visa Inc.

Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit,,,

About is the largest online payment and money transfer provider in Ukraine. The company has been on the market for 17 years, it serves more than 1 million regular users and more than 8 million successful transactions monthly. provides online payment solutions for retailers and merchants. Also, the service enables all regular payments for the users in one place in just two clicks: mobile phone top-up, utility payments, public transport tickets, card to card money transfer and other 3000 services. All transactions are compliant with international PCI DSS security standards.

About Middleware

Middleware Inc. (USA) was founded in 2014. Middleware company is the owner of proprietary technologies Corezoid Process Engine, Sender Communication Engine, Deepmemo Rules Engine, Share.CreditCard,, Control.Events. Middleware works with Clients and Partners worldwide on digital transformation projects. Middleware offices are located in the USA (California, Redwood) and Ukraine (Dnipro). Major clients: Western Union, METRO Cash&Carry, Avon, Philip Morris, TBC Bank, Jysan bank. Key partners: Visa, Rakuten Viber, Mambu. Middleware also has Amazon Web Services (AWS) Financial Services Competency status.


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