Focalpay's cloud-native commerce platform integrates checkout, payment, and back-office operations, allowing customers to start and finish purchases seamlessly across different devices and payment methods. The platform offers features such as Pay by Bank, real-time updates for product information and stock management, and universal checkout journeys for both customers and staff. By breaking down the barriers between payment, checkout, and back office, Focalpay enables merchants to benefit from lower transaction fees and emissions, while end users gain access to a unified basket and account-to-account payment options. The company is based in Stockholm, Sweden.