COMMERCE 360 / THE COMPANY
One company. Connected possibilities.
Commerce 360 connects financial technology, retail and logistics. CICO is our fintech business. SPARK is the payment-network platform within CICO. Each has a clear role in a shared ambition: make the connections that help people and businesses move forward.
- 01Commerce 360 · company
- 02CICO · fintech
- 03SPARK · payment network
Commerce 360 connects the wider picture.
Commerce involves value, exchange and movement. Financial technology helps value move. Retail connects a business with its customer. Logistics continues the journey through coordination and delivery.
Commerce 360 brings those perspectives into one company story. Its ecosystem is built around the relationships between these activities and the opportunities that emerge when they connect.
CICO brings our fintech capabilities together.
CICO is the fintech business within Commerce 360. Its financial ecosystem includes point-of-sale activity, merchant onboarding, core banking, wallet technologies, virtual cards, payment gateways, network infrastructure and remittance.
Those capabilities serve different needs and market contexts. CICO Pay focuses on merchant onboarding and card acceptance operations in the United States. CICO wallet operations in Ethiopia are banking-led. Hawilpay brings the remittance and corridor perspective.
SPARK connects the network within CICO.
SPARK is CICO’s Secure Payment Architecture & Routing Kernel. It is the platform focused on the connections between banks, wallets and payment providers, and the coordination of payment journeys between them.
The relationship is straightforward: Commerce 360 is the company; CICO brings together the fintech business; SPARK provides a focused payment-network platform within it.
Find the right starting point.
For the wider company and ecosystem, start with Commerce 360. For a financial capability or customer experience, explore CICO services. For connections between financial institutions and payment participants, start with SPARK.
Bring the market, the organizations involved and the outcome you want to work toward. That context helps turn a broad idea into a focused conversation.
HOW WE CONNECT
One company. Clear connections.
Commerce 360 is the company. CICO is its fintech business. SPARK is the payment-network platform within CICO.