Carta Worldwide

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Carta Worldwide
IndustryFinancial Services
HeadquartersOakville, Ontario, Canada
Area served
Key people
Brian Semkiw (CEO), Wayne Clarke (CFO), Rui Mendes (CTO)
ProductsMerchant services, prepaid solutions,Transaction processing, Host card emulation, Cloud and Secure Element, Tokenization (data security).
Number of employees
75 (2012)

Carta Worldwide is a Canadian software company that offers digital transaction processing, specializing in mobile and prepaid transactions. In addition to their Canadian headquarters, Carta has offices in London, Dubai, San Francisco and Casablanca. Carta operates internationally, providing financial technology and mobile payment software.

Carta's clients include Vodafone,[1] Banco Sabadell,[2] Westpac NZ,[3] and Novum Bank.[4] The company also partners with MasterCard[5] and DCR Strategies/TruCash[6]

Carta was the world's first processor to complete integration to MasterCard MOTAPS, enabling rapid deployment for NFC programs.[7] Their Charlottetown, PEI, data centre is the only secure third party issuer processing data host for financial services in Canada.[8]


Carta was founded in 2006 in Oakville, Ontario by Robert Elensky.[9] Company's headquarters were relocated in 2007 to Switzerland with service company offices were opened in Hong Kong and London, UK. Carta's Oakville office continued to operate as the company's research centre. Mr. Elensky served as Carta's CEO and Chairman until exiting the company in 2009.

Carta's CEO Brian Semkiw, is the co-founder of Rand Worldwide which had 1500 employees and had secured revenues of approximately $500 million by the time it was privatized in 2007.[10] Profit Magazine named Semkiw "Entrepreneur of the Year" in 1996.[11]

On September 15, 2014, Carta Worldwide closed the first tranche of a $12 million Series D venture round. Led by Toronto-based merchant bank Difference Capital and DC Thomson (UK), the $7-million investment adds to the more than $50 million the company has invested in its digital transaction processing platform.[12][13]

In 2015 Carta partnered with Visa Inc. and Vodafone to enable contactless bank card payments.[14] The Vodafone wallet uses a hybrid of a hardware SIM card and cloud-based tokenization.[15] Also in 2015, Carta Worldwide has named Elizabeth Duke as new Vice President of Business Development.[16]

In May 2020, Carta Worldwide announced a change in global leadership to drive the next phase of entrepreneurial growth. Peter Kaju became Chief Executive Officer effectively on June 1 , 2020. Paul Hill leaves to begin the next phase of his life. Paul has developed a tradition of shared interest, partnership and creativity in Carta since its accession in 2018.[17]

In November 2020, they where acquired by Mogo Finance for 24 million CAD.


  • Paul Hill - Chief Executive Officer
  • Peter Kaju - Chief Financial Officer
  • Giles Sutherland - VP Sales & Marketing
  • Richard Wray - VP Client Success
  • Adil Benlamlih - VP Engineering



Year Nominee / work Award Result
2013 Carta Worldwide - NFC Virtual Prepaid Platform Best Virtual Campaign - Payment Exchange Prepaid & Payments Awards[19] Won
2014 Carta Worldwide Best Contactless Solution - Emerging Payment Awards[20] Won
2014 Carta Worldwide Best Payment Technological Innovation - Emerging Payment Awards [20] Nominated
2014 PayWith, Carta Worldwide Best Virtual or Mobile Program - Payments Exchange Prepaid & Payment Awards[21] Won
2014 Carta Worldwide Host Card Emulation (HCE) with Remote Secure Element (RSE) for NFC Best Prepaid & Payments Innovation - Payments Exchange Prepaid & Payment Awards [21] Nominated
2014 Bread4Scrap - Payment Card Solutions (Carta Worldwide) Boundary Buster - PayBefore Awards Europe[22] Won
2015 DCR Strategies - TruCash Wallet (MasterCard & Carta Worldwide) Breakout Company of the Year - PayBefore Awards [23] Won
2015 DCR Strategies - TruCash Wallet (MasterCard & Carta Worldwide) Gotta-Have Mobile App of the Year - PayBefore Awards [24] Won
2015 By The Booth - Carta Worldwide (Mobile Payments Commercial)[25] Marketing (Product) Video - AVA Digital Awards (Platinum)[26] Won
2015 By The Booth - Carta Worldwide (Mobile Payments Commercial) [25] Marketing (Product) Video - Hermes Creative Awards (Platinum) [27] Won
2015 Carta Worldwide Contactless Bank Card Payments enabled on Vodafone Wallet (Oct 2015) [28] Nominated
2015 Raphaels Bank, Carta Worldwide, Visa, Vodafone Mobile Payments Solution of the Year - Payments Awards (Nov 2015) [29] Nominated
2015 Raphaels Bank, Carta Worldwide, Visa, Vodafone Best Contactless Payments Project - Payments Awards (Nov 2015) [29] Nominated


  1. ^ "Contactless Card Payments enabled on Vodafone Wallet with Visa and Carta Worldwide",, March 30, 2015.
  2. ^ Clark, Sarah. "Banco Sabadell picks Carta for HCE payments trial", NFC World. March 4, 2014.
  3. ^ "Westpac tests NFC-enabled mobile payments using HCE in New Zealand", July 22, 2014.
  4. ^ "Novum Bank Selects Carta Worldwide as Processing Platform for Prepaid Card and Debit Card Portfolios", March 31, 2014.
  5. ^ "ACT Canada June 2014 ACTion Newsletter: MasterCard and DCR Strategies Collaborate to Launch User Friendly Prepaid Reload Service in Canada". ACT Canada. Archived from the original on 3 July 2015. Retrieved 14 August 2015.
  6. ^ "DCR Strategies / TruCash and Carta Worldwide Partner on "Next Generation" Mobile Payments". Debit Credit Rewards. Retrieved 14 August 2015.
  7. ^ "Carta Worldwide Completes a World First with MasterCard", MasterCard Newsroom, May 10, 2011.
  8. ^ "Carta Worldwide setting up shop in Charlottetown", CBC News, September 10, 2014
  9. ^ "Carta Worldwide". The Canadian Business Journal. Retrieved 14 August 2015.
  10. ^ Official Carta website Archived September 20, 2014, at the Wayback Machine, retrieved September 2, 2014.
  11. ^ "Brian Semkiw P. Eng. Executive Profile", Bloomberg Businessweek, retrieved September 3, 2014.
  12. ^ Waddell, Nick (15 September 2014). "Difference Capital leads first tranche of $12-million Series D in Carta Worldwide". Cantech Letter.
  13. ^ Dorbian, Iris. "Difference Capital and DC Thomson back Carta", Reuters PE Hub, September 16, 2014
  14. ^ Boden, Rian. "Vodafone combines tokens and SIMs for NFC payments in Europe" NFC World. March 30, 2015. Retrieved April 14, 2015.
  15. ^ Balaban, Dan. "Vodafone Seeks to Revamp Wallet with Tokenization and Apple Pay Technology Model". NFC Times. Retrieved 14 August 2015.
  16. ^ "Carta Worldwide Appoints New Vice President of Business Development". Newswire. 29 April 2015. Retrieved 19 May 2020.
  17. ^ "Carta Worldwide Announces Leadership Change". Cision PR Newswire. 12 May 2020. Retrieved 9 June 2020.
  18. ^ "Meet the Team". Carta Worldwide. Retrieved 19 May 2020.
  19. ^ "Payments eXchange Announces Results of the 2013 PX Prepaid & Payments Awards", Payments Exchange, June 13, 2013.
  20. ^ a b "Previous Winners". Emerging Payments Awards. Archived from the original on 31 July 2015. Retrieved 14 August 2015.
  21. ^ a b "Winners: Prepaid & Payments Awards". Payments Exchange. Retrieved 14 August 2015.
  22. ^ "Paybefore Announces Winners for European Awards". Paybefore. Retrieved 14 August 2015.
  23. ^ "2015 Paybefore Awards: Breakout Company of the Year". Paybefore. Retrieved 14 August 2015.
  24. ^ "2015 Paybefore Awards: Gotta-Have Mobile App". Paybefore. Retrieved 14 August 2015.
  25. ^ a b "Projects - Carta Worldwide". By The Booth. Retrieved 14 August 2015.
  26. ^ "2015 Platinum Winners". AVA Digital Awards. Retrieved 14 August 2015.
  27. ^ "2015 Platinum Award Winners". Hermes Creative Awards. Retrieved 14 August 2015.
  28. ^ "2015 - Finalists". Emerging Payments Awards. Archived from the original on 29 August 2015. Retrieved 31 August 2015.
  29. ^ a b "Payments Awards Shortlist". Payments Awards. Archived from the original on 18 March 2015. Retrieved 14 August 2015.

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