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Pagaya Technologies Ltd. provides a cloud-based mobile payments solution that enables users to use any mobile device to make payments at merchants in the United States and Europe. The company offers Pagaya, a white-labeled mobile payment platform; and Pagaya Pay, a suite of APIs on which developers can build a variety of apps for retail, entertainment, food and beverage, and transportation industries. Pagaya's solutions include merchants' app for accepting payments from customers; consumers' app for making payments at merchant locations; back office solution for managing merchants; secured payment gateway for receiving funds from customers; Pagayan messaging service for sending push notifications and mobile coupons to consumers' devices at the point of sale; internal management system through which merchants can manage loyalty programs on one merchant account rather than multiple accounts.