RingPay® by Money Carer: Redefining How We Pay, and Who Payments Are For

Making Payments Personal

Payments have always been deeply personal. Yet for decades, the tools we use to pay — bank cards in particular — have been anything but. Issued, designed, and controlled by large financial institutions, cards have long served more as marketing real estate for banks than as meaningful expressions of customer choice.

RingPay®, a service from Money Carer, exists to change that.

At its core, RingPay® is about more than just contactless payments. It is about giving people control, improving security, and opening up new, inclusive ways for everyone to participate confidently in the digital economy.

A Mission Rooted in Financial Inclusion

Money Carer has a long-standing commitment to financial inclusion. As an organisation, it understands that traditional banking products often fail to serve large parts of society — whether through complexity, accessibility barriers, or rigid one-size-fits-all solutions.

RingPay® was created with this reality in mind.

By introducing wearable payment devices such as pay rings and pay bands, RingPay® removes friction from everyday spending while maintaining the highest standards of security through encrypted, tokenised payments. For many users, especially those who struggle with cards, PINs, or mobile phones, a simple tap of a wearable can be life changing.

This is innovation with purpose — technology designed to include, not exclude.

Security Without Compromise

RingPay® leverages modern tokenisation technology to ensure that real card details are never exposed during transactions. Payments are encrypted, credentials are protected, and users benefit from the same security standards trusted by the world’s leading digital wallets.

But RingPay® goes further.

Because wearables are always with the user — and far harder to lose or misuse than traditional cards — they offer a natural upgrade in payment safety, particularly for vulnerable users or those who value discreet, low-friction security.

From Bank Branding to Personal Identity

For too long, bank cards have been mundane, uniform, and impersonal. Identical rectangles of plastic designed primarily to promote the issuing bank’s logo rather than the customer’s identity.

RingPay® challenges that status quo.

With pay rings and pay bands, payments become personal, expressive, and intentional. Users choose how they pay, how it looks, and how it fits into their lifestyle. A RingPay® wearable is not just a payment tool — it is a personal payment statement.

As RingPay® puts it:

“Let's remind the Banks that the Customer is the King.”

This belief sits at the heart of the service. The future of payments should not be dictated solely by institutions — it should be shaped by the people who use them every day.

A Platform for Collaboration and Co-Creation

RingPay® and its parent group, Money Carer, firmly believe that the next chapter of payments will be built through collaboration.

The organisation actively looks forward to working with:

• Forward-thinking banks

• Consumer brands

• Membership organisations

• Fintech innovators

• Social impact partners

Through dedicated and white-labelled RingPay® solutions, partners can offer their customers unique, co-branded wearable payment experiences that reflect shared values, identity, and trust.

This is not about slapping a logo on a card.
It is about creating meaningful, joint branding experiences that customers genuinely want to use and wear.

Shaping the Future of Payments — Together

RingPay® represents a shift in mindset.

A shift away from generic, bank-centric products.
A shift toward secure, inclusive, and customer-led payment innovation.
A shift that recognises payments as part of personal identity, not just financial infrastructure.

Backed by the values and experience of Money Carer, RingPay® is building a future where everyone can pay safely, confidently, and on their own terms — while inviting smart banks and brands to help shape what comes next.

The era of passive payment tools is ending.
The era of personal, inclusive, and expressive payments has begun.