Your bank's acquiring platform — for the instant payments era.

Instant payments worldwide on a single ISO 20022 API. From Brazil to Saudi Arabia, from Lagos to Stockholm — plug in once, route every regional rail, run it under your bank's brand.

Customer taps

Bank app, phone, or in-app — over QR, NFC, or a payment link. The acceptance method is whatever the customer already has.

MiaPOS authorises

The transaction is risk-scored, 3DS-stepped if needed, and routed in ISO 20022 (pacs.008) to the customer's bank — over whichever instant rail their country uses.

Bank confirms

The customer's bank confirms balance and pushes funds. End-to-end in under 10 seconds, regardless of which bank or instant rail the customer is on.

Merchant settles

Funds land in the merchant's settlement account on the same rail. No batch close, no T+1 wait — anywhere in Europe.

Turn any Android phone into an instant payments terminal.

No dongle, no extra device. Onboard a merchant in 15 minutes — they take their first contactless payment that afternoon.

• Works on any Android 9+ device with NFC
• White-label: your bank's brand, your colours

Built for the bank that distributes it, and the merchant that uses it.

From signup to first charge in 24 hours.

No paperwork, no branch visit. We pull KYB data directly from the registry and run KYC on-device.

Documented like a good API, not like a bank.

REST + OpenAPI 3.1, idempotency keys, webhooks with HMAC, a real sandbox. Drop-in libraries for Node, Python, PHP, Go and a Postman workspace you can fork in one click.

import MiaPOS from '@miapos/node';

const mia = new MiaPOS(process.env.MIA_KEY);

// Charge any amount, any channel
const charge = await mia.charges.create({
  amount: 240_00,            // minor units
  channel: 'softpos',
  rail:    'auto',           // SEPA INST · MIA · RoPay · …
  customer: '+40 7•• ••• 421',
  metadata: { order: '#4812' },
}, { idempotencyKey: orderId });

// → settled in ~4s
console.log(charge.status); // 'settled'