Full-Stack
Acquiring
for Banks.

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: one integrated platform, zero bespoke build.

Built for Egyptian banks

D-PAY Dashboard Merchants Reports 3 PRODUCTION VOLUME TODAY EGP 1.23M ↑ 12.4% TRANSACTIONS 8,421 Today APPROVAL RATE 97.3% ↑ 0.8% 30-DAY VOLUME TREND EGP 2.1M BY SCHEME VISA 71% MC 20% MEEZA 9% AMEX MERCHANT AMOUNT STATUS SCHEME Cairo Electronics Hub EGP 4,800 Settled VISA Nile Pharmacy Group EGP 1,250 Settled MC Alexandria Fashion House EGP 12,300 Pending VISA Zamalek Bakery EGP 380 Declined MEEZA

Your Brand.
Our Infrastructure.

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, 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.

Explore capabilities

One Platform.
Every Layer.

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.

Payment Acceptance

All major schemes, all channels, one integration.

VISA MC AMEX MEEZA
  • Hosted checkout, QR payments, Pay-by-Link, and e-invoice across all schemes
  • 3DS 2.1 and 2.2 authentication with risk-based frictionless routing and PSD2-equivalent exemption rules
  • Digital wallets: Apple Pay, Google Pay, Samsung Pay, Click to Pay. Single toggle at merchant level.
  • Tokenization layer: gateway tokens (TMS) and network tokens (VTS) with automatic issuer lifecycle updates

Local Egyptian Rails

Egyptian payment infrastructure the Visa stack doesn't cover.

FAWRY MEEZA valU SYMPL
  • Fawry bill payments: utilities, telecom, and government. Biller catalog, inquiry, and receipt generation.
  • BNPL via valU, Sympl, and Contact Financial with a unified eligibility API that queries all three concurrently
  • Meeza QR specification compliance with local settlement reconciliation

Fraud and Risk

Real-time screening, rules engine, case management.

  • Real-time ML fraud scoring with a configurable rules engine: velocity controls, geo-blocking, device fingerprinting
  • PAN, email, IP, and BIN blacklist and whitelist managers with bulk import
  • Case management queue with reviewer assignment, SLA timers, and rule performance reporting including false-positive analysis

Merchant Lifecycle

Application to termination with full KYC and maker-checker control.

VISA MC AMEX MEEZA
  • Guided onboarding wizard with Egyptian National ID and Commercial Register instant verification
  • Blended, interchange-plus, and tiered MDR pricing with per-scheme rate cards and maker-checker approval
  • Multi-branch hierarchy management, PSP sub-portal support, and an immutable audit trail on every entity

Disputes and Chargebacks

Unified inbox across all schemes; pre-dispute resolution built in.

VISA MC AMEX
  • Unified case inbox spanning Visa VROL, Mastercom, and American Express with scheme-specific deadlines and templates
  • Pre-dispute resolution: RDR, CDRN, and Order Insight for Visa; auto-resolution indicator where applicable
  • Evidence upload with OCR, win/loss reporting, and merchant scorecards per reason code

White-Label Studio

Live preview re-skinning. The flagship differentiator.

  • Live preview pane: upload logo, pick brand colors, edit email templates in English and Arabic and watch the merchant portal re-skin in real time
  • Multi-tenant management: per-tenant user and role control, notification preferences, and accessibility settings
  • Full bilingual support in every surface: Arabic RTL, locale-aware dates, currencies, and number formats throughout
PCI-DSS Level 1 Certified
SOC 2 Type II
ISO 27001 Certified
CBE Compliant Hosted in Egypt
English and Arabic (RTL)

Ready to Launch
Acquiring?

Talk to the team. We'll walk you through the platform, the integration path, and what a deployment looks like for your institution.