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T-CETRA’s patented proprietary platform, VIDAPAY, is a secure, cloud-based payment portal that converts cash payments into secure, cashless transactions at over 10,000 retail locations that primarily serve underbanked communities. Our digital solution helps retailers mitigate risk and increase sales. It also enables our Fortune 500 partners to connect to the 84.8 million un/derbanked individuals in the U.S. and Puerto Rico.

VIDAPAY has made T-CETRA the established niche market leader in prepaid payment solutions. Our merchants are able to consistently offer a variety of products and services via an assisted, pay-as-you-go sales model. VIDAPAY then allows them to accept and apply cash (and credit/debit) payments for these products and services, in real time, in person, and while earning sales commissions.


In 2007, the objective was to disrupt the existing, outdated, manual method of applying payments in the prepaid industry, replacing physical airtime cards with a cutting edge, electronic Real-Time-Replenishment solution. T-CETRA was forward thinking — one of the first to move this process to the cloud — creating a new industry standard. For retailers, this eliminated the guesswork in managing their inventory, increasing the speed and efficiency of service, and mitigating risk of theft. We are now a one-stop shop for not only wireless prepaid providers and dealers who serve the 74 million prepaid subscribers in the U.S., (New Street Research) but other strategic enterprise businesses as well.

VIDAPAY has evolved into a complete full-service payment ecosystem with the addition of Instant Spiff™ incentive management, Marketplace for device procurement, and Merchant Processing services.

The Benefits Of Our Gateway Solutions

With VIDAPAY, partners can:

  • Penetrate the underbanked edge market, one of the last business frontiers with untapped brick-and-mortar and e-commerce potential. Until now, the 84.8 million un/derbanked individuals have been operationally difficult for enterprise providers to reach due to a lack of a unified point of sale for the tens of thousands of neighborhood retailers. 

  • Collaborate with robust, agile, dynamic technologies coupled with savvy marketing campaigns and tactics to go to market quickly, efficiently and comprehensively.
  • Gain visibility and control to the right products and services for the right customer at the right time.

  • Understand and increase sales through this channel by leveraging our proprietary promotion and incentivized commission engine.   

  • Narrow the digital divide, ensuring a product and service is available to all customers regardless of income level or place or residence.
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T-CETRA's VIDAPAY solution ensures an intuitive, secure, and robust b2b experience for neighborhood retailers.


The real game changer in the evolution of VIDAPAY was the introduction and implementation of instant activation and the industry’s first Instant Spiff™. Prior to the introduction of Instant Spiff, there was no transparent, automated, or intuitive way to solve the retailers’ cash flow puzzle. Independent retailers were left confused and waiting (a worrisome combo) as to when and how much spiff they were owed. T-CETRA saw the opportunity, and then conceived, developed, and launched Instant Spiff to address this need.   

Instant Spiff streamlines independent retailers’ business processes, increases their sales, and improves profitability. With our state-of-the-art incentive management, retailers can now not only manage customer accounts in real-time within a secure payment transaction framework but also validate and manage their own revenue with transparency. It also allows enterprise partners to analyze sales and adjust incentives based on a unique market’s needs. 

VIDAPAY’s scalable incentive management solutions, along with its flexible compensation and commission reconciliation structures, sets T-CETRA apart — not only for retailers, but for enterprise partners as well.


With the launch of Marketplace, VIDAPAY became a complete, all-in-one solution, meeting the demands for enterprise partners and retailers alike. Marketplace is our one-stop-wholesale-shop which allows retailers to procure various hardware products as needed, participate in any given promotion, and calculate their commission, all with dynamic and transparent billing.
For carrier partners, Marketplace eases the fulfillment process by supporting their product allocation needs in localized markets. The retail cycle comes complete by enabling carriers to do promotions and bundles — matching branded and unlocked handsets along with activations and customized packaging. Marketplace ensures strategic product marketing visibility with increased controls and incentivizing, guaranteeing sales of the right product, with the right incentive to the right customer at the right time. Marketplace proudly offers carrier handsets, unlocked handsets, accessories, laptops, tablets, gaming consoles, and more to meet all business needs from Samsung, Amazon, Beats, JBL, Apple, Sony, Pioneer, Motorola, and other trusted brands.
VIDAPAY Marketplace solutions

Narrowing The Digital Divide With Comcast Xfinity

Since 2018, VIDAPAY has partnered with Comcast to make prepaid Xfinity home internet available in underserved communities, playing a part in narrowing the digital divide. VIDAPAY merchants can accept cash payments for Xfinity prepaid home internet for not only the equipment, but also the service component. Customers can seamlessly and continually access Xfinity internet on a pay-as-you-go model via top-ups on VIDAPAY’s secure cash to cashless payment portal.  

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Xfinity prepaid internet starter kit


T-CETRA Merchant Services (TMS) is an independent sales organization for credit and debit card transactions providing competitive payment processing for all institutions in need of an omnichannel credit card solution. As a licensed Managed Service Provider (MSP), we facilitate the transfer of funds accepting all forms of credit/debit payment and saving partners’ time and resources through a simplified handling and billing process.  

Launched in 2017, TMS is now a trusted, registered, MSP bringing new approaches and updated technologies for card acceptance, including customized Hosted Payment Solution as well as API Gateway Solutions. TMS offers customized programs at competitive rates with quick, efficient turnaround time for implementation.

T-CETRA is an Elavon Payments Partner & Registered MSP/ISO of Elavon, Inc. Georgia, a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN.

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