Payment infrastructure for MEA
Modular. Scalable. Smarter.
Modupay is the payment platform behind banks, fintechs, telcos and governments across the Middle East and Africa. Card issuing, issuer processing, merchant acquiring, digital wallets and intelligence — adopt one layer or the full stack.
- PCI DSS certified
- Visa & Mastercard principal member
- 99.9% platform uptime
- 24/7 live support
5432 •••• •••• 9010
Issued on Modupay
Authorization
38 ms
Median issuer response
- Retail banks
- Fintechs
- Telcos
- NBFIs
- Governments
- Payment institutions
- Card schemes
- Neobanks
- SMEs
- Merchant acquirers
- Retail banks
- Fintechs
- Telcos
- NBFIs
- Governments
- Payment institutions
- Card schemes
- Neobanks
- SMEs
- Merchant acquirers
Modupay in numbers
December 2025
Transactions processed YTD
Volumes processed YTD
Cards produced
Banks on the platform
Countries served
- 50+ Fintechs
- 8M+ Cards hosted
- 1B+ API calls YTD
- 35M+ Fraud module transactions YTD
- 620+ Professionals across MEA
Payment flow
One authorization, five moving parts
Tap to ledger in a median of 38 ms. Payment switching, issuer processing, authentication and analytics run on the same platform, so there is no vendor boundary in the middle of a transaction.
Stage 01
Accept
Card, wallet, SoftPOS or e-commerce checkout captures the request.
Stage 02
Switch
Routed to the scheme or the national switch already integrated for your market.
Stage 03
Authenticate
3-D Secure ACS and fraud scoring decide before the authorization lands.
Stage 04
Authorize
Issuer processing applies limits, controls and funding rules in real time.
Stage 05
Understand
Every event lands in Modupay Intelligence for portfolio and merchant analytics.
Product suite
One platform, four layers
Cards, Transact, Digital and Insight run on shared banking APIs and payment APIs. Take the layer you need today and add the rest without re-platforming.
Card production & personalization
Three decades of card manufacturing, an EMV-certified personalization bureau in Egypt, Ghana and Kenya, and instant issuance inside the branch.
Explore Cards →- Production
- Dual interface · Multi-application · Metal · Eco-friendly · Braille & notch · LED · Wearables
- Personalization
- Card fulfillment · Personalization · Packaging · Instant issuance · In-house issuance
The production line
- Design
- Manufacture
- Personalize
- Package
- Deliver
Stage 01 · Design — Artwork prepared to scheme rules
Ready-To-Go suite
Replace the vendor stack with one framework
RTG packages issuing, acquiring, digital channels and analytics as pre-integrated modules — localized, compliant and already connected to national switches, mobile money and IPNs.
Before · fragmented
- Card bureau
- Issuer processor
- Switch
- 3DS vendor
- Fraud tool
- Mobile app agency
- eKYC provider
- BI consultancy
- Call centre
- Reconciliation
Ten contracts, ten integrations, ten roadmaps. Time-to-market measured in years.
After · Modupay RTG
- Onboard
- eKYC, activation
- Transact
- Issuing, acquiring
- Manage
- Cards, terminals
- Connect
- Integrations, VAS
- Know
- Analytics, BI
- Managed
- Fraud, disputes, support
One contract, pre-built local connections, market-specific compliance — or bring your own solution and plug into the modules you need.
Prepaid-Go
Lite, Enhanced and Digital tiers for fintechs and banks.
Travel RTG
Multi-currency wallet in 10 currencies with trip insights.
Corporate-Go & SME-Go
Proactive spend control, maker-checker, virtual cards.
One Accept
360° merchant enablement, physical to SoftPOS to online.
GOVRN
Digitized aid disbursement with oversight and audit.
Why Modupay
Fintech agility on institutional foundations
We are the only payments enabler in the region that manufactures the card, processes the transaction, builds the app and reads the data — under one roof.
35+
Years of trust
Institutional history since 1990, through every scheme mandate and regulatory shift in the region.
End-to-end
Single vendor
Card manufacturing, processing, digital channels and insights in one modular MEA-native platform.
On the ground
MEA presence
Teams and bureaux in Egypt, Ghana, Kenya and Libya — not a remote SaaS licence.
PCI DSS
Bank-grade compliance
Certifications and central-bank reporting that shorten procurement for regulated institutions.
Modular
Architecture
Adopt one layer or the full stack, and change your mind later — unlike rigid legacy processors.
Modupay at a glance
From card manufacturer to payment ecosystem
2003 – 2017
Global card manufacturing
Exported payment cards to 170+ banks and fintechs in 30+ countries, establishing a trusted MEA card manufacturer.
2020
End-to-end processing
Launched the processing platform, onboarded AfricInvest as strategic investor, moved from physical to digital-first.
2024
Modupay Labs
In-house studio for banking apps and digital portals, shifting focus to user experience and digital banking.
2025
Modupay Intelligence
Real-time analytics live, 8M+ cards hosted, perso bureau opened in Ghana, PSP licence earned, new global investors onboarded.
2026
One brand, one platform
MDP becomes Modupay and the RTG suite brings the full ecosystem to market as ready-to-deploy solutions.
Global reach
40+ countries, on the ground
Payment solutions across Africa, the GCC and Europe, delivered through regional offices and personalization bureaux close to your market.
Offices · card factory · perso bureaux
50
Banks · North Africa
42
Banks · West Africa
20
Banks · East Africa
10
Banks · GCC
10
Banks · Central Africa
7
Banks · Europe
Our customers
Trusted by 200+ banks and 50+ fintechs
- Valu
- First Capital Bank
- NMB
- Fidelity Bank
- DTB
- Jumhouria Bank
- AAIB
- AUB
- Lucky
“We launched a new prepaid programme in one quarter. Issuing, the app and the analytics all came from the same team, so there was nothing to integrate between vendors.”
Head of Cards
Valu · Egypt
“The bureau is two hours from our head office. Card stock, personalization and delivery are handled locally, and our branches issue on the spot.”
Director, Retail Banking
First Capital Bank
“Mobile money, the national switch and eKYC were already connected. We spent our time on the product instead of on plumbing.”
Chief Product Officer
NeoBank MEA
Certifications
Cleared for regulated environments
PCI DSS
Certified processing platform and cardholder data environment.
PCI Card Production
Secured card factory and personalization bureaux.
Visa & Mastercard
Principal member and certified vendor for issuing and acquiring.
EMV 3-D Secure
Accredited ACS for cardholder authentication.
ISO 27001
Information security management across operations.
MPoC
Certified SoftPOS acceptance on commercial devices.
Central-bank reporting and local compliance frameworks in place for CBE, CBK and GhIPSS markets.
Let's build the payment ecosystem your market needs
Tell us what you are launching. We will map it to the modules you need, name the integrations already in place for your market, and be honest about fit.
- PCI DSS
- ISO 27001
- Visa
- Mastercard
- EMV 3DS
- MPoC