Payments across
Middle East & North Africa.
Local pay-ins and payouts across 4 Middle East & North Africa markets, split between Egypt and Morocco's local rails and Türkiye and Saudi Arabia's card-first flow. One integration, higher acceptance, fast settlement.
How Middle East & North Africa pays
The region splits cleanly by market rather than sharing one dominant rail. Egypt runs on Fawry and mobile wallets — Etisalat Cash, Vodafone Cash, Orange Cash and CIB Smart Wallet — the cash-and-wallet infrastructure most Egyptian consumers already use for everyday bills and purchases. Morocco clears through bank transfer routed via CIH Bank and Attijari Bank using IBAN, a conventional account-to-account rail rather than a cash or wallet network.
Türkiye and Saudi Arabia are the region's card markets. Saudi Arabia clears on Visa, Mastercard, Apple Pay and Google Pay; Türkiye adds any-bank transfer alongside the same card and wallet set, giving customers a choice between a direct bank transfer and a card at checkout.
A merchant should expect Egypt and Morocco to require the rails above rather than a card fallback — Fawry and mobile wallets are how Egyptian customers pay in practice, and Moroccan bank transfer runs through named local banks rather than a generic IBAN network. Türkiye and Saudi Arabia, by contrast, integrate closer to a standard card-first flow. Settlement runs in EGP, MAD, SAR and TRY respectively, each market's own currency.
The four markets don't share a single underwriting profile either. Egypt's cash-and-wallet infrastructure means pay-ins clear outside the traditional banking system entirely, which changes how reconciliation and fraud signals need to be read compared with a card transaction. Morocco's named-bank IBAN transfer sits closer to a conventional account-to-account rail, with its own settlement timing. Türkiye and Saudi Arabia both carry standard card-scheme risk controls — 3D Secure, issuer decisioning — on top of the acquiring relationships that make approval possible for merchants outside the mainstream processor set.
Coverage in the region is deliberately narrow rather than broad — four markets, each with its own dominant rail, instead of a wider spread of thinner ones. That reflects where the underlying rail infrastructure and our underwriting are strong enough to support real pay-in and payout volume today; expansion elsewhere in the Middle East and North Africa follows the same standard.
Middle East & North Africa markets
Payouts in Middle East & North Africa
Payouts in Egypt route through the same Fawry and mobile-wallet network as pay-ins; Morocco payouts clear through the named local banks via IBAN; Türkiye and Saudi Arabia payouts settle on the same card-adjacent bank rails used for pay-in — so a recipient receives funds through the channel that market already runs on. Nothing here routes through a third country to get there.
Frequently asked
Why does Egypt use Fawry instead of cards?
Fawry and mobile wallets — Etisalat Cash, Vodafone Cash, Orange Cash, CIB Smart Wallet — are the payment infrastructure most Egyptian consumers use day to day. Routing pay-ins through them converts better than a card-only flow would in that market, where card penetration remains comparatively low.
Is Morocco's bank transfer the same as Open Banking?
No — Morocco's bank transfer runs via IBAN through named local banks (CIH Bank, Attijari Bank), a standard account-to-account rail with its own settlement timing. Open Banking under PSD2 is specific to Europe and doesn't apply here.
Which MENA markets accept cards?
Türkiye and Saudi Arabia. Both clear on Visa, Mastercard, Apple Pay and Google Pay; Türkiye additionally offers any-bank transfer as a non-card option, giving customers a choice at checkout rather than a card-only path.