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MUZO a.s., Czech Republic offering MDpay based secure payment services MUZO a.s., the Czech Republic's leading provider of services for cashless payment systems is offering 3-D Secure payment services to its clients. The service is based on Modirum MDpay. MUZO’s main activities include authorization of payment card transactions ( front office), administration of databases, card personalization, clearing and processing of payment card transactions (back office) made both in the Czech Republic and in other countries, and installation and servicing of ATMs and POS terminals. MUZO partners are leading banks, GSM operators and other financial, commercial and public institutions.