MoneyHash
MoneyHash is a payment orchestration platform serving merchants and fintechs across the Middle East and Africa. Its unified API connects businesses to 300+ payment service providers and 150+ payment methods across 40+ markets, offering ML-driven routing, fraud, and failure recovery.
- Company typePrivate
- Founded2021
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What MoneyHash does
MoneyHash is a payment orchestration platform purpose-built for the Middle East and Africa, providing merchants and fintechs with a single API to connect to more than 300 payment service providers, 150+ payment methods, and 40+ markets. Its core platform combines a programmable transaction routing engine, an ML-powered adaptive failure recovery module, a dynamic fraud orchestration layer with Forter and Sift integrations, and a PCI-DSS Level 1 tokenization vault, delivered alongside conversion modules (subscriptions, payment links, dynamic checkout, digital invoices, virtual wallets) and operations tools (unified dashboard, automation, universal error codes, auth/capture). The company self-describes as the first and leading payment orchestration solution in MEA and is integrated with both global card networks (Mastercard, Visa) and regional providers across the GCC and Africa.
MoneyHash monetizes primarily through transaction-based fees on processed payment volume under custom enterprise contracts booked via demo-led sales, supplemented by partnership and integration revenue from onboarding PSPs, banks, and value-added services. Its go-to-market is enterprise field sales with country-level leadership in Saudi Arabia (Country Director and General Manager) and Africa (Regional Director), supported by an API-first developer motion (docs.moneyhash.io, sandbox environment) and content-led marketing aimed at enterprise merchants expanding into fragmented emerging markets. Customer segments span enterprises expanding into MEA, fintech and digital financial service providers, SaaS/gaming/subscription businesses, retail/e-commerce/marketplaces, and cross-border businesses scaling across MENA and Africa.
The company was founded in 2021 in Egypt, is incorporated in the United States as MoneyHash, Inc., and operates regional headquarters in Cairo, Riyadh, Dubai, and Cape Town. It has raised approximately $9.7 million in total disclosed funding across pre-seed, seed (co-led by COTU Ventures and Sukna Ventures, February 2024), and pre-Series A (January 2025) rounds, and is a Cohort 5 alumnus of the Visa Africa Fintech Accelerator.
MoneyHash firmographics
Firmographics- Name
- MoneyHash
- Legal name
- MoneyHash, Inc.
- Website
- https://moneyhash.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MoneyHash is a payment orchestration platform serving merchants and fintechs across the Middle East and Africa. Its unified API connects businesses to 300+ payment service providers and 150+ payment methods across 40+ markets, offering ML-driven routing, fraud, and failure recovery.
- Ownership category
- akta.pro rank
MoneyHash industry classification
Industry- Product category
- Payment Orchestration Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Invoicing, Pay-by-Link & Virtual Accounts (CRAFALAJ), Payouts, Disbursements & Marketplace Split Payments (CRAFALAI)
Keywords
Where MoneyHash is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
MoneyHash business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Payment orchestration platform fees: MoneyHash monetizes its payment orchestration and infrastructure platform through enterprise contracts with merchants and businesses, with pricing conducted via 'Book a Demo' / 'Contact Us' sales engagement. As a payment orchestration platform, the dominant revenue model is transaction-based take rate on processed payment volume, though explicit per-transaction pricing is not publicly disclosed.
- Partnership and integration revenue: MoneyHash earns revenue from its integration ecosystem by onboarding payment service providers, banks, fraud tools, and value-added services (e.g., Forter, Shield, Mono, Paymob) into its platform and exposing them to its merchant base through a 'Contact Partnerships' channel.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise pricing via 'Book a Demo' / 'Contact Us' sales engagement |
Go-to-market motion5 records
Distribution channels1 record
Marketing channels7 records
MoneyHash product offering
Product offeringCore offering
MoneyHash operates a cloud-based, provider-agnostic payment orchestration platform that connects merchants to 300+ payment service providers and 150+ payment methods across 40+ markets in the Middle East and Africa through a single universal API. The platform combines a programmable routing engine, ML-powered failure recovery, dynamic fraud orchestration, a PCI-DSS Level 1 tokenization vault, dynamic checkout, multi-currency processing, and a unified dashboard with universal error codes. Revenue is generated through enterprise contracts with merchants and businesses, monetized primarily via transaction-based take rates on processed payment volume, with pricing conducted via custom 'Book a Demo' sales engagement.
Product overview
MoneyHash is a single unified payment orchestration platform (not a platform-plus-modules architecture in the traditional sense) marketed as "MEA's First Payment Orchestration Platform," organized around four product families — Payment Orchestration, Payment Conversion, Payment Infrastructure, and Payment Operations — that together cover the full merchant payment lifecycle. The Payment Orchestration family includes Transaction Routing, the ML-powered Failure Recovery engine, and Dynamic Fraud, which work together to direct each transaction to the optimal PSP, recover failures, and screen for fraud. Payment Conversion modules — Subscriptions, Recurring Payments, Payment Links, Digital Invoices, and Dynamic Checkout — handle how customers pay. Payment Infrastructure modules — Pay-in Integrations, Pay-out Integrations, Tokenization Vault, Alternative Payment Methods, Universal Error Codes, and Auth/Capture — provide the technical rails, including a PCI-DSS Level 1 tokenization vault. Payment Operations modules — Automation, Virtual Wallets, and the Unified Dashboard — give merchants back-office control. All modules are accessible through a single API and 300+ pre-built payment method integrations spanning cards, APMs, wallets, and BNPL providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Orchestration
- Payment Conversion
- Payment Infrastructure
- Payment Operations
Quantifiable outcome
- Up to 20% success rate uplift via local processing and automated routing rules
- +4 more outcomes
Companies that use MoneyHash
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles4 records
MoneyHash technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration47 records
AI capability6 records
Feature10 records
MoneyHash partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core, flagship and regional.
- MontyPaycoreMontyPay is a global payment service provider operating across 50+ countries and supporting 100+ payment methods. The partnership combines MoneyHash's 350+ connections, 150+ payment methods, and 40+ markets with MontyPay's international payment network, helping businesses scale across borders and operating as MontyPay opens a new office in Saudi Arabia.
- Thawani PaycoreThawani Pay is the first licensed fintech company and payment solutions provider regulated by the Central Bank of Oman. The partnership extends MoneyHash's orchestration layer into Oman, allowing merchants to access Oman's local payment ecosystem (including bill payments, government services, and digital transactions) while maintaining unified operations across markets, leveraging Thawani Pay's PCI DSS-certified infrastructure.
- VisaflagshipMoneyHash and Visa expanded their partnership via a multi-year agreement to enable Visa's Cybersource across MoneyHash's platform for MENA merchants. The collaboration gives merchants access to Visa's global payment infrastructure alongside local and international payment methods through a single integration, and follows an initial partnership announced in 2024.
- Visa (Africa Fintech Accelerator)coreMoneyHash is a Cohort 5 alumnus of Visa's Africa FinTech Accelerator, supporting 104 startups across five cohorts with a combined valuation of $1.4 billion. The accelerator also launched Cohort 6 with a May 17, 2026 deadline. The multi-year Cybersource agreement emerged from this accelerator relationship.
- EazyPay (Eazy Financial Services)coreEazyPay is a Central Bank of Bahrain-licensed payment service provider and acquirer, and the first PSP licensed in Bahrain. The partnership extends MoneyHash's reach into Bahrain, giving merchants access to payment gateways in Bahrain (including POS acquiring, smart POS devices, SoftPOS, and digital wallet acceptance) via EazyPay's local infrastructure.
- WaylcoreWayl is an Iraqi local payment solutions provider and merchant of record. The partnership enables MoneyHash merchants to access Iraqi payment infrastructure, including international card schemes, local wallets, and bank-based payment options, with Wayl assuming regulatory and financial obligations for foreign merchants operating in Iraq.
- Tap PaymentscoreTap Payments is a payment institution and technology provider operating across nine MENA markets. The partnership and integration combines MoneyHash's orchestration layer with Tap Payments' payment infrastructure, enabling merchants to accept a broader range of payment methods while maintaining routing control and operational visibility across channels and markets.
- SparecoreSpare is a regional open banking infrastructure provider operating across the GCC. The partnership enables Pay By Bank solutions for merchants in the UAE, reducing payment costs and shortening settlement times via secure, account-to-account payment APIs, and supports broader open banking adoption in Saudi Arabia and the broader GCC.
- MastercardflagshipMastercard partnered with MoneyHash to expand merchant access to Mastercard's Merchant Cloud (including the Mastercard Gateway) across the Middle East and Africa. Merchants can connect to Mastercard's Gateway through MoneyHash's single unified API, optimizing transaction routing, improving success rates, and providing unified reporting and analytics.
- WalaOneregionalWalaOne is a Saudi Arabia-based digital loyalty wallet. The partnership enables merchants on MoneyHash's platform to access WalaOne's loyalty and rewards services through MoneyHash's unified API, supporting integrated loyalty and rewards solutions for merchants in Saudi Arabia.
- Amwal TechregionalAmwal Tech is a Saudi fintech providing installment-based payment solutions. The partnership integrates Amwal Tech's high-limit credit card installment offerings into MoneyHash's payment orchestration platform, expanding installment-based payment options for merchants in Saudi Arabia. The collaboration aims to reduce costs and complexity for enterprises and aligns with Saudi Arabia's digital payment expansion goals.
- TabbycoreTabby is a Saudi Arabia-based financial services app (BNPL). The partnership gives merchants in the UAE and KSA access to Tabby's buy now pay later services through MoneyHash's unified API, enabling interest-free installments at checkout to improve conversion and average order values.
- noon Paymentscorenoon Payments is a regional GCC payment provider. The partnership streamlines local payment access across MEA through noon Payments' payment infrastructure, helping merchants simplify GCC payment access and time-to-market.
- MoyasarregionalMoyasar is a Saudi Arabia-based payment gateway provider. The strategic partnership is intended to drive fintech innovation and digital economy growth in Saudi Arabia by integrating Moyasar's payment gateway services into MoneyHash's orchestration platform.
- Lean TechnologiesregionalLean Technologies is a UAE-based open banking infrastructure provider. The partnership brings instant bank payments (Pay By Bank) to UAE merchants via MoneyHash's orchestration platform, reducing payment costs and shortening settlement times.
Scale indicators9 records
Recent moves10 records
Expansion highlights5 records
MoneyHash competitors and assessment
Company assessmentDirect peers
- Primer: UK-based payment orchestration platform offering unified API, smart routing, and failure recovery across global PSPs. Direct competitor in the payment-orchestration category with comparable architecture, though focused on global/US-EU merchants versus MoneyHash's MEA focus.
- Spreedly: US-based payment orchestration and vaulting platform that lets merchants connect to multiple PSPs through a single integration. Closely comparable in universal-API and tokenization vault positioning; broader geographic focus but same core product category.
- Cellpoint Digital: Payment orchestration platform serving airlines, travel, and global merchants with smart routing and PSP-agnostic processing. Comparable orchestration architecture and enterprise merchant base, particularly in travel and cross-border flows.
- Gr4vy: Cloud-native payment orchestration platform built for enterprise merchants to route, tokenize, and optimize across multiple acquirers. Closely aligned in API-first orchestration value proposition and developer-led go-to-market.
- ProcessOut: Payment orchestration and smart-routing platform with PSP-agnostic routing, failover, and analytics. Comparable in routing and failure-recovery functionality, though with a primarily European merchant base.
- Yuno: LatAm-focused payment orchestration platform with a single API connecting to 100+ payment methods across the region. Comparable in the 'regional orchestration challenger' archetype and emerging-market focus, providing a useful comp on regional platform economics.
Broad incumbents
- Tap Payments: MENA payment institution operating across 9 markets with broad acquiring and gateway services; existing MoneyHash partner. Comparable because it is both a regional PSP partner and a potential orchestration competitor in MEA, with broader product scope than pure orchestration.
- Paymob: Egyptian payment processor with a broad suite of acceptance products for SMEs and enterprises. Comparable because it is both an integration partner and a local incumbent that could expand into orchestration, serving overlapping merchants in Egypt and MEA.
- Stripe: Global payments platform with increasingly localized APM coverage and native smart-routing features. Comparable as a broad incumbent whose adoption trajectory sets the ceiling on MoneyHash's pricing power and developer mindshare in MEA.
- Adyen: Global unified-commerce payments platform serving enterprise merchants with a single integration. Comparable as a broad incumbent competing for the same enterprise merchants MoneyHash targets across MEA, with increasingly localized MEA coverage.
Market position
Strengths3 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
MoneyHash social profiles
Digital presenceMoneyHash compliance and trust
Trust signalCompliance1 record
MoneyHash financial estimates
Financial estimateRevenue estimate
Valuation estimate
MoneyHash leadership team
Management profileNumber of profiles
Profiles8 records
MoneyHash funding detail
Funding detailFunding overview
Funding rounds5 records
Investors20 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MoneyHash M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MoneyHash
What does MoneyHash do?
MoneyHash operates a cloud-based, provider-agnostic payment orchestration platform that connects merchants to 300+ payment service providers and 150+ payment methods across 40+ markets in the Middle East and Africa through a single universal API. The platform combines a programmable routing engine, ML-powered failure recovery, dynamic fraud orchestration, a PCI-DSS Level 1 tokenization vault, dynamic checkout, multi-currency processing, and a unified dashboard with universal error codes. Revenue is generated through enterprise contracts with merchants and businesses, monetized primarily via transaction-based take rates on processed payment volume, with pricing conducted via custom 'Book a Demo' sales engagement.
Is MoneyHash a public or private company?
MoneyHash is a private company. It is classified as venture growth investor backed and is currently operating.
When was MoneyHash founded?
MoneyHash was founded in 2021. It employs 11 to 50 people.
Where is MoneyHash based?
MoneyHash is headquartered in San Francisco, United States, in the North America region.
How does MoneyHash make money?
Two revenue lines are on record. Payment orchestration platform fees are the primary driver. The others are partnership and integration revenue.
Who are MoneyHash's main competitors?
Direct peers on record are Primer, Spreedly, Cellpoint Digital, Gr4vy, ProcessOut and Yuno. Broad incumbents are Tap Payments, Paymob, Stripe and Adyen.
Does MoneyHash have an API?
Yes. MoneyHash offers a unified, universal payment orchestration API. Developers can integrate via web (hosted, web embeds, JS-SDK, or Server-to-Server), or via mobile SDKs available for Android, iOS, Flutter, and React Native. The API supports idempotency, webhooks, sandbox environments, and integrates 300+ payment methods through a single connection. Developer documentation is at docs.moneyhash.io.
What industry is MoneyHash in?
MoneyHash's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of CRAFALAH, Recurring Billing, Subscriptions & Tokenized Payments. Its NAICS code is 522320 and its SIC code is 7374.