PayLocal app for iPhone and iPad

The app comes with features such as :
-Reloadable cards;
-Transfer of credits between users;
-List of transaction histories per card for users (with downloadable pdf);
-Create pre-payment codes (expirable by time for security);
-Invoice/Receipt as PDF sent by email on every purchase;
-Realtime confirmation on purchases;
-Pin number enabled for security;
-Entirely accessible separately by website for added security (i.e.: in case of lost phone, pin numbers can be changed online);

For businesses:
-Create an activate cards for clients;
-Process payments by scanning clients card, or pre-payment code, or manually like a cash register by adding lines and applying specific taxes;
-Issue refunds;
-Reload cards for clients;
-Retrieve list of transactions or card balance for clients;
-Marketing account with reloadable balance to use as promotions to clients by assigning credits on cards;
-Reports on sales and activities displayed by selecting year and month;