D-PAY is the white-label platform banks deploy to launch merchant acquiring under their own brand. Processing, fraud, local Egyptian rails, merchant lifecycle, disputes, and merchant loans: one integrated platform, zero bespoke build.
The Platform
D-PAY combines a Visa Acceptance Solutions processing core with native Egyptian payment rails, a full fraud and risk engine, end-to-end merchant lifecycle management, cash-flow based merchant loans, and a white-label branding studio. It deploys as a multi-tenant SaaS under CBE-compliant hosting.
Banks go live with a fully operational acquiring business in weeks. Merchants, PSP partners, and risk teams all see a surface that carries the bank's brand, not ours. The tenant switcher, the branding studio, and the multi-tenant architecture are the product, not a feature on top of it.
The same acquiring flow that collects money from customers also becomes the underwriting signal for merchant capital. Transaction volume, settlement history, dispute behavior, and cash-flow consistency feed lending eligibility, so a merchant can accept payments and request working-capital loans inside one bank-branded relationship.
Explore capabilitiesWhat's Included
D-PAY ships as a single integrated product. Banks don't assemble from separate vendors. They deploy one platform and activate the capabilities their business needs.
All major schemes, all channels, one integration.
Egyptian payment infrastructure the Visa stack doesn't cover.
Real-time screening, rules engine, case management.
Application to termination with full KYC and maker-checker control.
Loans priced and serviced from live acquiring cash flow.
Unified inbox across all schemes; pre-dispute resolution built in.
Live preview re-skinning. The flagship differentiator.
Frequently Asked Questions
The essentials on white-label acquiring, Egyptian payment rails, risk controls, merchant capital, and deployment.
White-label merchant acquiring lets a bank offer payment acceptance and merchant services under its own identity. D-PAY supplies the processing, local payment rails, risk controls, merchant operations, and bank-branded digital surfaces behind that experience.
D-PAY brings card schemes, hosted checkout, QR payments, Pay-by-Link, e-invoicing, digital wallets, Meeza, Fawry, and local BNPL providers into one acquiring platform.
The platform combines guided onboarding, Egyptian identity and commercial-register checks, configurable pricing, maker-checker approvals, real-time fraud scoring, screening rules, and case management.
Yes. Banks can use payment volume, settlement regularity, dispute behavior, refunds, and merchant history to define eligibility and loan limits, then collect repayments from future settlements.
The deployment team maps the bank’s brand, integrations, payment rails, operating rules, hosting requirements, and rollout plan. The exact timeline depends on the bank’s approvals and integration scope, and is defined during discovery.
Yes. Bank and merchant surfaces support English and Arabic, including right-to-left layouts and locale-aware dates, currencies, and number formats.
Talk to the team. We'll walk you through the platform, the integration path, and what a deployment looks like for your institution.
Or reach us at [email protected]