Smart Finance

Smart All-In-One Card

Details :

Introducing NovoTrax Smart Card for Authenticated Payment Solutions:

  • Store up to Twenty Credit, Debit and Loyalty Cards
  • Digital E-Paper Display
  • Cellular Chip and Antenna
  • Self-Charging Battery
  • Unique 13 PIN -PAD Security Feature
  • One-Time-Password (OTP) for ATM and Network Access, Cryptocurrency Transactions and much more

For the minimalist, mobile wallets like Apple Pay, Google Pay and Samsung Pay can reduce the amount of plastic you have to tote around. But, as a relatively new technology, these digital payment methods still aren’t always accepted at merchant’s terminals.

Enter the high-tech Smart All-in-One Card from NovoTrax. Billed as “the world’s first connected, secure payment card,” it looks similar to a traditional credit or debit card but functions much like a mobile wallet: It can store up to Twenty (20) cards and allows you to switch among them. The All-in-One Card avoids some limitations of previous so-called smart cards and, unlike mobile wallets, promises widespread acceptance among merchants upon its launch by June 2020.

How the Smart All-In-One Card Works

Individual banks will roll out their own Smart All-in-One Cards. Customers can then download all their debit, credit, prepaid, multi-currency, cryptocurrency, one -time-use and loyalty cards issued by that bank onto that All-in-One Card. The cost of the card to consumers will depend on what the issuing bank chooses to charge.


Smart All-In-One Card’s e-Paper Digital Display allows you to switch between saved cards at the push of a button. It communicates with your bank via a built-in cellular chip and antenna.

The card has an e-Paper digital display that allows you to switch between saved cards at the push of a button and select which to use for a given merchant. There are different memory options depending on the needs of the issuing bank, but the All-in-One Card will store up to Twenty (20) Individual Cards.

The card communicates with your bank via a built-in cellular chip and antenna, which allows data to be transferred between the Smart All-in-One Card and the bank 24/7, worldwide. (The Smart All-in-One Card’s cellular communication is not linked to the consumer’s phone and does not incur data fees.)

The Smart All-in-One Card can be programmed to be used with a magnetic stripe, EMV chip and contact-less payment technologies, depending on what the card’s bank chooses.

As with mobile wallet purchases, rewards and travel credit cards that are routed through the All-in-One Card can still earn points on relevant purchases.

What makes Smart All-In-One Card different:

Aside from its interface, there are a few distinctive features that differentiate the Smart All-in-One Card from traditional credit cards and newer mobile wallets.

No Phone or App Needed: Unlike with smart cards or mobile wallets, the Smart All-in-One Card is not managed with your phone, and that is a key difference. Many smart card forerunners typically had to be paired with a smartphone app, and some charged fees for the service. Then mobile wallets came along. Those apps are both free to use and now standard issue on many smartphones, making smart cards redundant. The All-in-One Card, though, is a self-contained payment system — no phone or app required. The All-in-One Card has a Built-In Speaker so you can actually make outbound calls right from your All-in-One Card!

Self-Charging Battery: Since your mobile wallet is tied to your cell phone, obviously you cannot use in a brick-and-mortar store if you have not charged your device. Not a problem with the Smart All-in-One Card, which has an “organic recharging chip,” meaning that the card “charges itself through normal operation” and can last indefinitely, Users will not need to charge the card.

Flexibility: Mobile wallets aren’t accepted everywhere, at least not yet. For now, you must check each retailer’s point-of-sale terminal for an icon that indicates you can pay with your cell phone. With the Smart All-in-One Card, depending on what the issuing bank requires, consumers could potentially use it at any point-of-sale terminal that accepts credit cards — regardless of whether you slide the card, dip it or hover it over the terminal.

Ready for Immediate Use: Apply for a traditional credit card and you’ll be waiting for it to arrive in the mail. But the Smart All-in-One Card is more or less instant. Banks can distribute All-in-One Cards anywhere, at any time, and cardholders can activate them immediately with the NovoTrax Smart Auto Enrollment Process via the Internet Security and Authenticated with NovoTrax own Smart Strong Two-Factor Authentication Methodology.

Unique Smart Security Features: The bank issuing the Smart All-in-One Card can immediately delete and replace any compromised card numbers in the event of a data breach at a merchant. Plus, the card’s cellular connection means that consumers can receive notifications through it, such as alerts about suspicious purchases, One Time Passwords and can click on a “not me” message to set a fraud alert and receive a new card number. Also, if the Smart All-in-One Card is stolen, NovoTrax, Inc can get a new card to the user within 24 hours. Your new Smart All-in-One Card provides the following security benefits:

  • Denial of Service upon the 5th Failed Attempt to Authenticate your Identity
  • Change your PIN Number any time and as many times as you wish
  • On-Line Activation with NovoTrax own Smart Two-Factor Strong Authentication

Smart Money Card

Introducing the NovoTrax Smart Money Card for Employee Payroll and Loyalty Solutions.

Smart Money is a mobile payment and digital wallet app that allows users to make payments online or at in-person point-of-sale (POS) systems in retail stores using their mobile phones. Hundreds of national brands, including Best Buy, Barnes & Noble, Target, and Morton’s, have agreed to accept Smart Money as a mobile payment solution.

Smart Money goes several steps further than other payment systems by offering the following options:

  • Very secure (two levels higher than used by the  military
  • Instant payment for Payroll and POS
  • No charge-backs
  • Receive up to 8% cash back instantly from your day-to-day purchases depending on the Merchant
  • Share cash back with your favorite club or charity
  • Load funds from any bank account or credit card
  • Immediately convert over 100 cryptocurrencies (like Bitcoin, Ethereum, Lite coin or PDX Coin) traded on major exchanges without using FIAT currency to use on everyday purchases
  • Send funds to family and friends who have the freedom to choose their own brand at thousands of locations when redeeming

There is no existing smart phone mobile app in the marketplace offering all these services together.


With NovoTrax Smart Money, cash and cryptocurrencies work side-by-side for both everyday purchases and just sending money to family and friends. It takes only seconds to upload funds to use for purchases or to send as a gift. It is a Smart All-in-One app!


For merchants, Smart Money offers a very creative and innovative system to engage new customers and retain their existing customer base. Not only does a merchant who accepts Smart Money save money in transaction fees (a flat 2%), but funds are received instantly at the end of each day’s batch.


There is no more waiting for days in order to receive your funds from the bank for purchases made in your business. As a bonus, Smart Money offers Geo-Location services, push notifications, promotion services, and a referral bonus from all Smart Money users referred by the merchant.


Smart Money is the easiest way to send, spend, save, and invest your money. It’s the SECURE, FAST, and FREE Money Mobile Application. SECURE: Protect all of your payments with Face ID, Touch ID, or a One Time Password.


Pause spending on your Cash Card with one tap if you misplace it. FAST: Sign up, and authenticate with one of our Secured Access Methods. Smart Money provides your choice of One Time Password, Bio-metrics Finger Print Recognition or Facial Recognition and make your first payment in minutes.


Instantly send and receive money from friends. Cash out from Smart Money to your bank account instantly instead of waiting days.


FREE: Send and receive money at no cost.


Get a completely free virtual MasterCard Debit Card in minutes, and we’ll mail you your custom physical debit card for free in under a week.


Here’s how it works:


* It only takes a couple of minutes to download and sign up for Smart Money.


The signup process is simple and fast so that you can start using Smart Money as quickly as possible.



* Send, receive, and request cash from friends and family instantly with only a few taps. Smart Money is the easiest way to pay a friend back for dinner or chip in on rent with your roommates.



* Order your MASTER CARD (a customizable debit card) directly from Smart Money.


You’ll instantly be able to make online purchases or add your MASTER CARD to Apple Pay for in-store purchases.


Of course, we’ll also mail you your Cash Card in less than a week so you can use it to pay anywhere.



* Smart Money is the only free debit card with instant discounts at your favorite stores and restaurants. These instant discounts - Boosts - are easy to use and are applied to Smart Money transactions instantly. Just select a given Boost in your app and then use your Smart Money to pay. It’s that simple.


No points, no waiting, just instant savings.



* Smart Money is the easiest way to buy, sell, deposit, and send Bitcoin. Track the BTC price in real-time in your app and buy as little as $1 of Bitcoin. Your BTC arrives in your app instantly and you can keep it safe in Smart Money or choose to withdraw it.


* Buy and sell stocks instantly and for free with Smart Money. You can buy as little as $1 of stock in any top US company like Google, Amazon, Apple, Tesla, or Disney. Track stock prices in real-time in your app and monitor the performance of your overall investment portfolio. Create a list of companies to follow so you can stay up to date on performance. Brokerage services provided by Smart Money Investing LLC, member FINRA / SIPC. Investing involves risk; you may lose money. Investments are not FDIC insured.



* Get your paycheck deposited directly into Smart Money. Instantly receive a personal account and routing number that lets you or your employer make deposits into your Smart Money via traditional ACH transactions.

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