Platforma de acquiring a băncii tale — pentru era plăților instant.

Plăți instant la nivel global printr-un singur API ISO 20022. Din Brazilia până în Arabia Saudită, din Lagos până în Stockholm — o singură integrare, rutezi orice rail regional, sub brandul băncii tale.

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. Cap-la-cap 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.

Transformă orice telefon Android într-un terminal de plăți instant.

Fără dongle, fără dispozitiv extra. Onboarding merchant în 15 minute — prima plată contactless în aceeași după-amiază.

• Funcționează pe orice Android 9+ cu NFC
• White-label: brandul și culorile băncii tale

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'