Intelligent Commerce. One Platform.
iQal Pay unifies payments, POS, inventory, and loyalty for high-volume physical venues — built on the proven wearable-first rails that power Princess Cruises' MedallionPay fleet.
No hardware required. Our software-defined wearable turns any iOS or Android device into a full NFC/BLE payment credential — the same experience as a physical Medallion, without the cost.
The iQal Pay Platform
A single, integrated commerce OS for high-volume captive-audience venues. Replace your fragmented vendor stack with one platform that handles everything — from the first tap to the final report.
Any Credential. One Identity.
Guests choose how they want to be recognized. Whether they carry a physical wearable, tap their own device, or use our software-defined Medallion app — every credential maps to the same unified guest profile, payment account, and loyalty record.
Physical Wearable
Princess Medallion, venue wearable devices, NFC badge, smart wristband
Guests can use any existing physical NFC/BLE wearable — such as a Princess Medallion or similar venue-issued device — as their identity credential. No re-enrollment required for existing device holders.
Device NFC / BLE
iPhone, Android, Apple Watch, Galaxy Watch
A guest's own smartphone or smartwatch NFC/BLE chip becomes their credential. Tap to pay, tap to enter, tap to earn — using the device already in their pocket.
Software-Defined Medallion
iQal Pay app on iOS or Android
Our proprietary app emulates a hardware NFC/BLE wearable entirely in software. Any iOS or Android device becomes a full Medallion — same experience, zero hardware cost. Venues can onboard guests instantly without provisioning physical devices.
One unified guest profile — regardless of which credential a guest uses, their payment method, loyalty points, purchase history, and personalized offers follow them seamlessly across every outlet in the venue.
Full-Stack Commerce Infrastructure
Omnichannel Payments
NFC wearable, mobile wallet, contactless card, QR code, and traditional swipe — all through one unified payment stack with a single ledger, reconciliation, and settlement.
Venue-Grade Smart POS
Purpose-built terminals with offline mode for high-traffic environments. Sub-200ms processing at peak load — cruise decks, stadium concourses, resort pools.
Real-Time Inventory
Live stock tracking across every outlet. Automated reorder triggers, waste reduction analytics, and cross-outlet visibility — built on Radiqal's proven RFID IoT platform.
Loyalty & Rewards Engine
Points, tiered rewards, and personalized offers that follow guests across every touchpoint. Drive repeat spend and capture behavioral data legacy systems miss.
Unified Analytics
One dashboard for all revenue centers — transactions, guest spend patterns, inventory velocity, and loyalty redemption — replacing 4–6 fragmented vendor reports.
Enterprise Security
PCI-DSS Level 1 compliant. Tokenization and encryption exceeding financial institution standards — the same security architecture deployed across Princess Cruises' global fleet.
Proven at Sea.
Ready for Every Venue.
iQal Pay is not a startup concept — it is the commercialization of technology that Radiqal Technologies has already built, deployed, and scaled across one of the world's largest captive-audience commerce environments.
Radiqal built the hardware and software powering MedallionPay — Princess Cruises' wearable payment system deployed across their global cruise fleet. Guests use a physical Medallion device for contactless payments at every onboard and shoreside outlet. The system processes billions in transactions annually with 99.97% uptime.
iQal Pay takes these same proven rails — and the new software-defined Medallion breakthrough — and opens them to stadiums, resorts, campuses, and any high-volume physical venue where guests spend money in a captive environment.
How iQal Pay Works
Guest Enrollment
A guest associates their identity with any credential — a physical venue wearable device, their phone's NFC/BLE chip, or the iQal Pay software Medallion app. One enrollment, all credentials linked.
Tap & Transact
At any point of sale — restaurant, bar, shop, attraction — the guest taps their credential. The system verifies identity in milliseconds, confirms the linked payment method, and completes the transaction.
Earn & Redeem
Every transaction automatically accrues loyalty points and triggers personalized offers. Guests see their rewards in real time; venues see spend patterns across every outlet.
Venue Intelligence
Operators get a unified view: live transaction flow, inventory levels, staff performance, and guest spend analytics — all in one dashboard, replacing the fragmented reports from legacy systems.
Security engineered from the ground up. No payment credentials stored on the device. Tokenization and encryption exceeding financial institution and passport security standards — the same architecture trusted by Princess Cruises globally.
Built for Captive-Audience Venues
Every target market shares the same characteristics: guests who are physically present, spending repeatedly, and underserved by fragmented legacy systems. iQal Pay was designed for exactly these environments.
Cruise Lines
The original proving ground. Captive audiences, high transaction density, and complex multi-outlet environments — exactly where iQal Pay excels. Already deployed at scale through MedallionPay.
Stadiums & Arenas
High-volume, time-compressed commerce across concessions, merchandise, and premium experiences. Offline-capable POS handles connectivity gaps; loyalty drives season-long engagement.
Resorts & Hotels
Guests move fluidly between restaurants, spas, pools, and shops. iQal Pay follows them everywhere — one credential, one tab, one loyalty account across the entire property.
University Campuses
Closed-loop payment environments with recurring daily transactions. Student ID integration, meal plan management, and campus-wide loyalty programs — all on one platform.
$180B+ Total Addressable Market
Across cruise, stadium, hospitality, and campus verticals — all underserved by fragmented legacy point solutions. iQal Pay is positioned to capture this market with a proven platform and first-mover advantage in software-defined wearable payments.
Built by a Team That Has Already Done This.
Radiqal Technologies is not a startup building toward a proof of concept. We are a software and hardware products company with over 50 man-years of management experience and 200 man-years of development depth — and we have already deployed the technology that powers iQal Pay at global scale.
Our name captures our philosophy: RAD (Rapid Application Development), IQ (Intelligence Quotient), and QAL (Quality) — rapid development, intelligent solutions, and consistent quality. We have delivered end-to-end solutions for Princess Cruises (Carnival Corporation), Comcast, Singtel, and other global enterprises across IoT, mobile, hospitality, and broadcast technology.
Trusted by Global Enterprises
Radiqal co-founder Parag Amin was an invited member of the Expert Advisory Group of GIFT — India's premier private/public partnership hub for the global financial services industry — bringing deep fintech policy and regulatory insight to the iQal Pay platform.
The Team Behind iQal Pay
The same leadership team that built and deployed MedallionPay for Princess Cruises is now bringing that technology — and the software-defined Medallion breakthrough — to every captive-audience venue.
Parag Amin
Co-Founder & Partner
18+ years in software design and development, cutting-edge communications protocols, high-availability database architecture, and niche market solutions. Former member of the Expert Advisory Group of GIFT — a private/public partnership hub for the global financial services industry.
Venu Krishnamoorthy
Co-Founder & Partner
18+ years in digital television, networking, database, and web technologies. Deep expertise in iTV, MPEG-2/4, DSM-CC, ATSC & DVB standards. US Patent holder for VOD Gateway technologies (US2003088876). Key architect of the MedallionClass platform.
Vijal Sheth
Director of Development, Radiqal India
10+ years in web technologies. Designed and delivered event registration and reservation systems, affiliate business management tools, and gaming industry solutions. Leads Radiqal's India development facility.
US Headquarters
Software and hardware development facility in the United States — product strategy, architecture, and client engagement.
India Development Center
State-of-the-art software development and support facility in India — engineering depth, 24/7 support, and rapid iteration.
Ready to Transform
Your Venue Commerce?
Whether you operate a cruise line, stadium, resort, or campus — iQal Pay can replace your fragmented vendor stack with a single, proven platform. Request a personalized demo and see how the technology that powers MedallionPay can work for your venue.