01
Hardware POS
White-label firmware on Ingenico, PAX, Sunmi, SmartOne, Datecs. OTA updates, fleet management, scheme-certified. Your bank's logo on the box.
ISO 20022-native
For banks · Built for the instant payments eraRun an instant payments acquiring business — under your brand, on every rail.
One integration. Many paypoints.
The platform between the rail and the merchant workflow. Your bank ships POS, SoftPOS, e-commerce, conversational, and agentic acceptance under your brand. We do the integration work once. You sell it everywhere.
SEPA Instant·MIA·RoPay·BORICA·50+ countries via partner rails
The shift
1995 belonged to cards.
1995 belonged to cards.
2030 belongs to instant payments.
60%+
YoY volume growth
Year-over-year volume growth on instant rails worldwide (ECB SEPA-INST reports, PYMNTS 2026).
30+
Countries mandating IPS
Have or are mandating universal IPS reach by 2027 — EU, Moldova, WAEMU, Jordan, India among them.
+19–21 pts
Merchant ROI lift
ROI lift for merchants on real-time payments versus those on cards alone (TCH/PYMNTS B2B 2026).
Banks that ship instant payments acceptance first capture the rail. Banks that wait become rail-takers.
Product surface
Every acceptance channel a merchant asks for. One API. Your brand.
02
SoftPOS
Turn any phone, tablet, or browser into a paypoint. NFC tap on Android, QR scan and payment link on every platform — zero extra hardware.
03
E-commerce checkout
Drop-in checkout that ships in 10 minutes. Ready-made plugins for WordPress, WooCommerce, OpenCart, Magento, PrestaShop, Shopify — 10+ platforms covered. REST API for custom carts.
04
Payment Links & Request to Pay
Two distinct flows in one app. Payment Links — reusable tokenized URLs for invoices, social commerce, in-DM checkout. Request to Pay — pain.013 push to the payer's bank with approve/decline. Merchants issue, send, and track everything from the miaLinks app.
05
Conversational acceptance
Telegram bot. Merchants accept payments where their customers already chat — no app install, no QR print needed.
06
Agentic acceptance
When the customer's AI agent books a flight, refills groceries, or pays a freelancer, the payment routes through your bank's instant rail — not the card network the agent doesn't have. Built on Google's AP2 protocol, miaPOS is one of the first acquiring platforms accepting agentic commerce flows.
All six channels · one ISO 20022 API · under your bank's brand.
Economics
Acquiring as a revenue line, not a cost center.
What your bank books
- →New MSC revenue from instant-rail acceptance volume.
- →White-label SaaS fee charged to your merchants.
- →Float on settlement timing (rail-dependent).
- →Cross-sell pull: merchant → KYB → SME loan, deposit, payroll.
- →Brand sovereignty: every receipt, every notification, every tap carries your bank.
What your bank doesn't pay
- −No scheme interchange leakage — instant rails are push-based.
- −No card-network membership cost on instant volume.
- −No 18-month internal build cycle.
- −No vendor lock to a single rail or single country.
Banks running instant acquiring see a +19–21 pt ROI lift on the merchants they convert. The merchant relationship deepens. The card incumbent loses a transaction it never collected interchange on.
Coverage
Live in two markets.
Live in two markets.
Pilot in three.
Roadmap in four.
Same API everywhere.
One integration, every regional rail — from your bank, used by your merchants.
| Market | Scheme | Status | Messaging | Since |
|---|---|---|---|---|
| Moldova | MIA Instant Payments | Live | ISO 20022 native | 2024 |
| Romania | RoPay | Live | ISO 20022 native | 2026 |
| EU SEPA | SEPA Instant Credit Transfer (TIPS / RT1) | Pilot | ISO 20022 native | 2026 |
| Bulgaria | BORICA / BLINK | Pilot | BORICA + ISO adapter | 2026 |
| Montenegro | IPS Montenegro | Pilot | ISO 20022 native | 2026 |
| Serbia | NBS IPS | Roadmap | ISO 20022 native | 2027 |
| Albania | AIPS | Roadmap | ISO 20022 native | 2027 |
| Bosnia & Herzegovina | Domestic IPS | Roadmap | ISO 20022 native | 2027 |
| North Macedonia | MIPS | Roadmap | ISO 20022 native | 2027 |
Don't see your country? Most regional rails — Brazil's Pix, India's UPI, Saudi's Sarie, UAE's AANI — are on our integration roadmap. Through our partner network of IPS rail vendors, our installations already reach 50+ countries. Adding a new rail takes 8–12 weeks.
Delivery
From contract to first live merchant in 10–12 weeks.
WEEK 1–2
1. Connect
Direct scheme membership where you're a domestic player. Where speed matters, we tap our partner network of IPS rail vendors — 50+ countries already covered across their installations. ISO 20022 mapped end-to-end.
WEEK 3–5
2. White-label
Your bank's brand on the merchant app, portal, receipts, hardware. We hand over the SDK and brand kit. You keep the customer relationship.
WEEK 6–8
3. Onboard merchants
Self-service signup with eKYB, real-time IBAN verification, instant activation. No back-office bottleneck on your side.
WEEK 9+
4. Operate
Conversational payments live. Merchant self-service portal live. Fleet management, fraud monitoring, dispute workflow — your ops team gets the dashboard, your merchants get the workflow.
vs. alternatives
The inch between the rail and the merchant workflow.
Rails settle money. The workflow layer is where the merchant actually lives — onboarding, reconciliation, receipts, refunds, fraud, settlement. We build that inch. Think Cursor between the model and the working PR: a thin, opinionated layer that makes the underlying rail usable.
Activation
Signing a merchant is the easy part. Getting them to transact is the business.
Industry benchmarks for instant payment acceptance activation sit low. Our engine pushes that materially higher across three phases — by removing every friction between signed merchant and first settled transaction.
Conversational acceptance
Telegram bot lets merchants accept payments without installing anything. First settled transaction within an hour of signup.
Merchant self-service portal
Onboarding, scheme management, settlement reporting, dispute handling — all merchant-driven. Your bank's ops team doesn't become the bottleneck.
Co-marketing & subsidy fund
We co-fund activation campaigns alongside your bank — sticker programs, QR placement, merchant training. Co-funded subsidy structure in pilot countries.
Banks that win instant payments aren't the ones that signed the most merchants. They're the ones whose merchants actually transact.
Common questions
Six things bankers ask us first.
We already have card acquiring. Why do we need another rail?+
Instant payments are growing 5–10× faster than card volume. Merchants accept both, but the unit economics on instant are better — no interchange leakage to the card network. The acquiring business of 2030 is both-rails, not card-only.
Why not build this ourselves?+
Years of build time. Significant capex. And you still need to integrate every rail one at a time, certify with every scheme, build the merchant workflow layer separately. We've done the work — ISO 20022 mapped, multi-rail, scheme certifications. You get to the merchant much faster.
How do we keep our brand?+
Fully white-label. App, portal, receipts, hardware — every customer touchpoint carries your bank only. We don't sell miaPOS-branded products to your merchants. Ever.
What about compliance with our national regulator?+
We're already BNM-compliant in Moldova, RoPay-compliant in Romania, on the certification path for SEPA Instant and BORICA. Regulatory compliance is part of the deal — not a project that lands on your legal team.
What if my country's IPS isn't on your list?+
Rail-agnostic by design. Adding a new regional rail (Brazil's Pix, India's UPI, Saudi's Sarie, UAE's AANI) takes 8–12 weeks. Launch-partner banks co-design the integration and get pricing accordingly.
What's your pricing model?+
Revenue share + per-transaction floor + SaaS layer. Numbers depend on country, volume, and acceptance channels. Talk to us — we'll model your specific economics in a 30-minute call.
Next step
Bring instant payments to your bank.
30-minute partnership call. We walk your team through the integration model, country coverage path, and the economic case for your specific market.
A Finergy Group product · HQ Chișinău, Moldova · Worldwide rollout in progress