Stylopay offers an open platform technology for Contact-Less payments and mobile wallets with unique security features through Tokenisation enabling one to use the smart phone in a simple and secure way. This new and innovative solution leverages QR, NFC and AR technology empowering Small Businesses and existing Mobile Apps to setup their own payment solution at a low cost. It seamlessly combines mobile payments and loyalty making it useful for retailers and consumers. Furthermore Stylopay differentiates itself by building customized solutions for each of its micro markets such as Hospitality, Retail and Educational sectors.