Applications by Industry:
BAC Good for Small Business
Toraton Partners Inc.
Make payments, check balances, transfer/receive funds, process credit cards via Smartphone
Overview Supported Devices
PhoneCash/4Ray is an m-commerce/payment solution that operates with military grade encryption. It has been tested both domestically and internationally by carriers and OEM's with no breakage, and with zero risk of identity theft. The solution allows any user to make payments, check balances, transfer and receive funds and process credit cards. It allows multiple currencies, balanced on a daily basis and operates on all platforms. It is non-industry and non-niche specific which allows it to be customized to the needs of your clients, in any language. The solution is compliant with the Patriot Act, Sarbanes-Oxley, CISP and GAAP standards; it is ready for private labeling to increase your brand awareness and as a value added service to your clients.


Credit Card Processing, fully customizable, multiple currencies, military grade encryption. Stock trading module available upon request.