Products
The full money-movement stack, in one platform.
MerasPay ships every product surface on top of one orchestration engine, one ledger, and one key store. Pick the ones you need today — the rest are right there when you grow into them.
Accept payments
Headline
FeaturedA2A — Account-to-Account
Direct bank-to-bank pulls via open-banking APIs. Contactless, cardless, cashless — and pre-funded by MerasPay for instant settlement.
- ✓ISO 20022 pacs.008 native
- ✓13 Djibouti banks targeted
- ✓Instant + final
New
NewTap to Phone (mPOS)
Any NFC Android phone becomes a contactless EMV reader. Cybersource SoftPOS — PCI MPoC certified.
- ✓No hardware
- ✓PIN-on-Glass
- ✓< 90s activation
EMV terminals
WebPOS terminals
Cybersource cardpresent + TopWise terminals for in-store Visa / Mastercard with EMV and contactless.
- ✓EMV L1/L2 + contactless
- ✓P2PE key injection
- ✓Tip + receipt printing
EMVCo MPM
QR Payment
Print, display, or generate static and dynamic merchant QR codes that any compliant wallet can scan.
- ✓Static + dynamic
- ✓EMVCo CRC16
- ✓DJF / USD / ETB
Card-not-present
International Gateway
Accept Visa, Mastercard, JCB, UnionPay from 80+ countries. 3DS 2, network tokens, Decision Manager risk.
- ✓3DS 2.2 native
- ✓Network tokens
- ✓40+ currencies
Unified rails
Acceptance, all in one
Waafipay, CAC, SabaPay, D-Money, EAB — through a single API, one webhook signature, one ledger.
- ✓5 live rails
- ✓HMAC webhooks
- ✓Versioned API
Drop-in
Hosted Checkout
A MerasPay-hosted payment page on a MerasPay-owned domain. Zero PCI scope, multi-rail.
- ✓SAQ-A PCI scope
- ✓Branded per merchant
- ✓FR · AR · EN
Server-to-server
Direct Payment
Charge a customer wallet or bank account directly from your backend with a single PaymentIntent call.
- ✓PaymentIntents API
- ✓Idempotency baked in
- ✓OTP / 3DS confirm step
Send & manage money
Pay anyone
Bulk Disbursements
Pay staff, vendors, and partners on any rail — single or bulk. AML, 4-eyes, settlement files.
- ✓CSV in, fan-out
- ✓4-eyes above threshold
- ✓Same-day mobile wallet
Recurring
Billing & Subscriptions
Products, prices, invoices, subscriptions, coupons, tax — a complete recurring-revenue surface.
- ✓8 resources
- ✓Trials + proration
- ✓Multi-currency
Post-sale
Disputes & Refunds
Issue refunds, manage chargebacks, submit evidence. Same ledger, same dashboard, every rail.
- ✓Full + partial refunds
- ✓6-state dispute machine
- ✓Cross-rail fallback
Network & corridors
Cash-in / cash-out
Agent Network
A managed network of cash-in / cash-out kiosks with float, commissions, KYC, and an agent app.
- ✓Prepay + postpay
- ✓Geo-fencing
- ✓Daily settlement
Outbound corridor
Remittance Origination
Collect from a sender abroad by card or bank, run AML, lock FX, and pay out in DJF or ETB.
- ✓CNP card funding
- ✓OFAC / EU / UN screen
- ✓Same-day payout
TaaS for MTOs
Remittance Termination
Licensed MTOs hand us collected funds; we pay out via the same rails with one partner API.
- ✓MTO partner API
- ✓DJ + ET corridors
- ✓Real-time status
Developer surface
Event delivery
Webhooks
HMAC-signed, exponential-retry outbound event delivery with full history and replay.
- ✓HMAC-SHA256
- ✓Up to 72h retry
- ✓60+ event types
Developer experience
Sandbox
A free, full-fidelity replica of production with 12 failure scenarios you can flip on per provider.
- ✓Scenario overrides
- ✓OTP 123456
- ✓Mock all rails
Solutions by audience
Each party in the payment flow gets their own slice of the platform. Pick yours to see the products curated for your use case.
For Merchants
Accept, send, subscribe, refund — your full payments stack.
ExploreFor Agents
Run a cash-in / cash-out kiosk on the MerasPay network.
ExploreFor Remittance Partners
Terminate Djibouti and Ethiopia corridors with one partner API.
ExploreFor Developers
Modern REST API, full sandbox, OpenAPI 3.1 source of truth.
Explore