Network International
Network International is a Dubai-based payment processor and merchant acquirer serving 240,000+ merchants and 250+ financial institutions across 50+ Middle East and Africa markets through its N-Genius and Network One platforms.
- Company typePrivate
- Founded1994
- HeadquartersDubai, United Arab Emirates
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
What Network International does
Network International is a Dubai-headquartered payment solutions provider founded in 1994 that operates as one of the largest payment processors and merchant acquirers across the Middle East and Africa. The company serves approximately 240,000 merchants and over 250 financial institutions, fintechs, and telcos across 50+ markets, with regional hubs in Cairo and Johannesburg and operations spanning the GCC, North Africa, Sub-Saharan Africa, and the Levant. Its core technology stack centers on the proprietary N-Genius platform (multi-channel online, in-person, and mobile payment acceptance, including the N-Genius POS Android terminal, SoftPOS/Tap to Pay, and N-Genius Online gateway) and the Network One processing platform that handles card issuing, transaction switching, fraud management, and digital wallets on behalf of banks. Value-added services include Slice BNPL, Fraud Shield, loyalty, analytics, merchant financing via Biz2X and CredibleX, and the FICO Falcon AI-driven fraud engine deployed in partnership with FICO.
Network International firmographics
Firmographics- Name
- Network International
- Legal name
- Network International LLC
- Website
- https://network.ae
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Network International is a Dubai-based payment processor and merchant acquirer serving 240,000+ merchants and 250+ financial institutions across 50+ Middle East and Africa markets through its N-Genius and Network One platforms.
- Ownership category
- akta.pro rank
Network International industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cross-Border & Multi-Currency Gateway Services (FSAMACAI)
- akta.pro secondary industries
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL), Cross-Border Payment Routing, Orchestration & Connectivity (FSAMAIAK)
Keywords
Where Network International is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices9 records
Markets served
Network International business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Merchant Acquiring Services: Payment processing and acquiring services for merchants including POS terminals, online payments, and SoftPOS solutions. Revenue from transaction fees per payment processed.
- Card Processing for Financial Institutions: Processing services for banks and financial institutions including card hosting, transaction processing, switching, card management, and fraud management.
- Hospitality Payment Solutions: Integrated payment solutions for hospitality businesses with property management and POS integrations.
- Business Payment Solutions: Corporate executive cards and digital business payment solutions with rebate accrual and competitive FX rates.
- Value Added Services: Fraud protection, loyalty programs, analytics, BNPL (Slice), merchant financing, expense management, and alternative payment methods.
- Prepaid Card Solutions: Consumer and commercial prepaid cards for payroll, travel, and budgeting with card issuance fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Digital Business Payments with competitive FX rates |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels7 records
Network International product offering
Product offeringCore offering
Network International provides end-to-end payment processing and merchant acquiring solutions across the Middle East and Africa through its N-Genius multi-channel platform. The company serves over 240,000 merchants and 250+ financial institutions with payment gateways, POS terminals, SoftPOS, digital wallets, card processing (credit, debit, prepaid), and value-added services such as BNPL, fraud management, and loyalty programs. Revenue is generated primarily through transaction fees and recurring fees on processing, acquiring, and ancillary services across 50+ markets.
Product overview
Network International operates as a comprehensive digital payments platform serving the Middle East and Africa with the N-Genius Platform at its core. The product portfolio spans merchant acquiring solutions (N-Genius POS Terminal, SoftPOS/Tap to Pay, N-Genius Online payment gateway, Pay By Link/OneLink, and integrated payment solutions), card processing services (credit, debit, and prepaid cards supporting regional schemes like Jaywan and Mada), digital wallet solutions, and business payment solutions. Value-added services include BNPL/Slice, merchant financing, fraud prevention (FICO Falcon), analytics, and loyalty programs. Processing infrastructure is powered by the Network One Platform, and merchant solutions extend across hospitality and unattended retail verticals. The company serves 240,000+ merchants and 250+ financial institutions across 50+ countries.
Differentiator
Problem solved
Functional benefit
Brands
- N-Genius: Innovative payment platform for secure and seamless transactions across every channel - in-person, online, remote, or on the go.
- N-Genius Online
- N-Genius POS
- Slice by Network
- My Network App
- Pay By Link
- Fraud Shield
- Slice
Products and services
- N-Genius POS Terminal Android-powered intelligent POS device for merchants handling contact and contactless payments, supporting local and international schemes, loyalty redemptions, QR payments, BNPL, and multi-bank Easy Payment Plans with remote firmware updates.
- N-Genius Online Proprietary online payment gateway for e-commerce businesses providing seamless checkout experiences, fraud prevention, and support for cards, digital wallets, and alternate payment methods.
- SoftPOS - Tap to Pay Software-based POS solution that turns Android smartphones and iPhones into contactless payment terminals without additional hardware, supporting card and digital wallet acceptance.
- Pay By Link / OneLink Secure payment link solution allowing merchants to create and share payment requests via email, SMS, social media, or QR codes, enabling payments without a website.
- Hospitality Payment Solutions Integrated payment solutions for the hospitality industry, including seamless check-in/out experiences, enhanced tipping options, and integrations with Property Management Systems and POS.
- Unattended Payment Solutions Self-service payment solutions for vending machines, parking meters, EV chargers, and kiosks enabling 24/7 cashless payments.
- Card Processing Solutions End-to-end card hosting and transaction management including credit cards, debit cards, and prepaid cards with support for local schemes like Jaywan (UAE) and Mada (KSA).
- Digital Wallet Solutions Multi-tenant digital wallet platform supporting white-label branding, card issuance, remittances, loyalty rewards, and secure payment processing with MFA and PA-DSS compliance.
- Prepaid Card Solutions Consumer and commercial prepaid cards including general prepaid, multicurrency cards with cross-wallet authorization, and corporate prepaid cards with multi-level hierarchy.
- Debit Card Solutions Consumer debit card offerings with transparency features showing available balance on declines, support for Jaywan (UAE) and Mada (KSA) local schemes, tokenization, and instant card issuance.
- Digital Business Payments Solution Business payment solution enabling secure domestic and international payments to suppliers with net-zero foreign transaction fees, virtual card controls, rebate accrual, and ERP/accounting software integration.
- Slice by Network Instant zero-cost BNPL installments solution for UAE shoppers and businesses, enabling flexible payment options at Network POS terminals.
- FICO Falcon Fraud Manager AI-powered transactional fraud solution deployed in partnership with FICO, creating behavioral profiles and analyzing millions of transactions in real-time to prevent fraudulent activity.
- Network One Platform Award-winning consolidated processing platform providing end-to-end payment processing with best-in-class technologies in an adaptable environment supporting various payment methods and schemes.
Quantifiable outcome
- 155% growth in digital wallet transaction value (South Africa, Jan-May 2026 vs 2025)
- +1 more outcomes
Companies that use Network International
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles4 records
Network International technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability4 records
Feature11 records
Network International partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core, strategic and minor.
- American Express Middle EastcoreFirst-of-its-kind strategic partnership to significantly expand merchant acceptance for American Express in the UAE.
- Majid Al FuttaimstrategicStrategic partnership for in-store acquiring business with major retail conglomerate operating malls, hotels, and retail across MENA.
- Beyond ONEminorHosted 'Terrace Talks' panel in Oman with Friendi Pay Oman on building trust in digital financial services, highlighting ecosystem partnerships.
- Friendi Pay OmanminorVenue and host for Beyond ONE's Terrace Talks event in Oman, discussing digital payments adoption in Omani market.
- Valu JordanstrategicStrategic partnership to expand BNPL solutions across Jordan. Merchants in NI Jordan's ecosystem can offer Valu's flexible payment solutions via POS terminals and QR codes, creating integrated digital payment experience.
- FABMISRcoreStrategic partnership to accelerate digital payments in Egypt. Network provides FABMISR with comprehensive end-to-end payments platform including card issuing and acquiring processing through N-Genius multi-channel platform.
- Emirates NBDcoreLong-standing processing partnership extended for card and payment processing services across Emirates NBD's operations.
- Tadhamun Bank LibyastrategicPartnership with JMR Infotech to implement AI-powered chatbots and voicebots. Network also partners with Al Seraj Islamic Bank for digital payment processing in Libya.
- WooCommercestrategicStrategic partnership to enable MEA merchants to integrate Network's payment solutions directly into WooCommerce stores via N-Genius Online payment plugin available through WooCommerce Marketplace.
- RAKBANKcoreStrategic merchant acquiring partnership completed after CBUAE approval. Network International acquired RAKBANK's merchant acquiring business for AED 551 million and will provide payment solutions to RAKBANK's SME and corporate customers across UAE, strengthening both entities' positions in UAE's fintech ecosystem.
- ADCB EgyptstrategicLaunched Egypt's first AI-powered transactional fraud solution (FICO Falcon Fraud Manager) creating behavioral profiles and analyzing transactions in real-time.
- ApplestrategicEnabled Apple Pay acceptance by powering card tokenization for four Egyptian banks as part of Central Bank of Egypt's third wave tokenization licensing program.
- Al Seraj Islamic BankstrategicProcessing agreement to deliver comprehensive end-to-end digital payment processing solutions in Libya including Visa sponsorship, prepaid issuing capabilities, and value-added services. Services scheduled for Q1 2026 launch.
- flydubaistrategicPartnership to implement Push to Pay solution at Dubai International Airport. Integrates Network's payment technology into flydubai's airport touchpoints supporting Jaywan national scheme.
- MBank (Al Maryah Community Bank)strategicPartnership to integrate AE Coin (UAE's first Central Bank-licensed stablecoin) into POS and E-commerce platforms, making Network first payments platform to enable regulated stablecoin payments.
- Saudi Sudanese BankstrategicProcessing agreement providing end-to-end digital payment services including Mastercard sponsorship and prepaid issuing for Sudan. Formalized at Cairo ICT 2025 to modernize Sudan's financial ecosystem.
- GiftminorPartnership to enable Gift's Loyalife loyalty platform to Network's clients, strengthening customer engagement for financial institutions in MEA.
- BoltstrategicPartnership to enhance payment processing in UAE for ride-hailing platform. Provides faster, more secure in-app transactions and quicker payouts for drivers.
- dustrategicMoU to create integrated digital payment platform combining connectivity, payment processing, and POS capabilities for UAE SMEs. Explores AI, blockchain, and real-time payment technologies.
- National Union BankstrategicStrategic partnership to modernize Libya's banking sector with prepaid card issuance, fraud prevention tools, and back-office managed capabilities supporting national financial inclusion goals.
- FICOcorePartnership to implement fraud detection solutions across MEA operations integrating FICO Falcon Fraud Manager and Decisioning-as-a-Service for comprehensive risk management.
- Compass Plus Technologiescore20-year partnership (since 2006) powering digital payments across Africa. Joint platform supports 160+ banks across 40+ African markets providing switching, card management, personalization, and fraud management services.
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
Network International competitors and assessment
Company assessmentDirect peers
- Magnati: Magnati is a payment solutions provider in the UAE and broader MEA region, recently merged with Network International in 2026. Directly comparable as a regional payment processor/acquirer serving merchants, banks, and government entities with overlapping products in card processing, merchant acquiring, and digital payments.
- Tap Payments: Tap Payments is a MEA-focused payment processor and acquirer providing online and in-person payment solutions across the GCC and broader MEA region. Directly competes with Network International in merchant acquiring and payment gateway services, particularly in UAE, KSA, and Egypt.
- Fawry: Fawry is Egypt's leading digital payment platform serving merchants, banks, and consumers with bill payments, prepaid cards, and merchant acquiring. Direct peer in Egyptian market where Network International also operates via its Cairo office and partnerships with FABMISR and ADCB Egypt.
- DPO Group: DPO Group (now Payfast by Network) is a pan-African payment service provider acquired by Network International. It offers merchant payment processing across 20+ African countries, making it a direct peer in African payment processing, now operating as a wholly-owned subsidiary of Network International.
Broad incumbents
- Adyen: Adyen is a global payment platform providing unified online, in-person, and marketplace payment processing for enterprises. Comparable to Network International's N-Genius platform in multi-channel payment processing capability, though Adyen operates at a much larger global scale and has been expanding into MEA markets.
- Worldpay: Worldpay is one of the largest global payment processors and acquirers, serving merchants and financial institutions worldwide. Pinar Alpay, Network's Group Chief Product and Marketing Officer, held senior roles at Worldpay, indicating direct familiarity with its model. Worldpay represents both a talent pipeline and a direct competitive benchmark for Network's processing business.
- Stripe: Stripe is a global payment infrastructure provider serving online businesses and platforms. While Stripe does not yet have a strong direct presence in MEA, it represents the long-term competitive threat in the digital payment gateway space where Network International's N-Genius Online competes, especially for cross-border e-commerce merchants.
Regional players
- Arab National Bank (ANB Pay): ANB Pay is the payment services arm of Arab National Bank in Saudi Arabia, providing merchant acquiring and card processing for the Saudi market. A regional peer in the KSA market where Network International launched its merchant acquiring business in April 2026, competing for the same merchant and FI clients.
Emerging players
- Checkout.com: Checkout.com is a global payment processor headquartered in London with strong presence in MEA, particularly UAE. It serves enterprise merchants and platforms with online payment processing, directly comparable to Network International's N-Genius Online gateway for cross-border e-commerce in the region.
Others
- Visa: Visa is a global payment network and increasingly a payment processor in select markets. While Visa is a Network International partner (and scheme enabler), it is also a strategic counterparty and competitive threat as Visa Direct and Visa-issued processing services expand into MEA markets where Network operates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Network International social profiles
Digital presenceNetwork International compliance and trust
Trust signalCompliance1 record
Network International financial estimates
Financial estimateRevenue estimate
Valuation estimate
Network International leadership team
Management profileNumber of profiles
Profiles7 records
Network International subsidiaries and ownership
Company hierarchySubsidiaries4 records
Network International funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Network International M&A and investment
M&A and investmentM&A4 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Network International
What does Network International do?
Network International provides end-to-end payment processing and merchant acquiring solutions across the Middle East and Africa through its N-Genius multi-channel platform. The company serves over 240,000 merchants and 250+ financial institutions with payment gateways, POS terminals, SoftPOS, digital wallets, card processing (credit, debit, prepaid), and value-added services such as BNPL, fraud management, and loyalty programs. Revenue is generated primarily through transaction fees and recurring fees on processing, acquiring, and ancillary services across 50+ markets.
Is Network International a public or private company?
Network International is a private company. It is classified as public and is currently operating.
When was Network International founded?
Network International was founded in 1994. It employs 1,001 to 5,000 people.
Where is Network International based?
Network International is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does Network International make money?
Six revenue lines are on record. Merchant Acquiring Services are the primary driver. The others are card Processing for Financial Institutions, hospitality Payment Solutions, business Payment Solutions, value Added Services and prepaid Card Solutions.
Who are Network International's main competitors?
Direct peers on record are Magnati, Tap Payments, Fawry and DPO Group. Broad incumbents are Adyen, Worldpay and Stripe. Arab National Bank (ANB Pay) is listed as a regional player. Checkout.com is listed as an emerging player. Visa is listed as an others.
Does Network International have an API?
Yes. Network International offers N-Genius APIs for payment processing integration. The API supports REST architecture with authentication via Basic API key (Authorization: Basic your_api_key). Available integration options include Hosted Payment Pages, Web SDK, Direct API, Mobile SDKs (iOS, Android, and hybrid), Plugins, Pay By Link, and Virtual Terminal. A sandbox/test environment is available with Postman collections for testing. The API supports 3-D Secure (3DS) for UAE online transactions. Developers can access docs.ngenius-payments.com for documentation, with GitHub repositories available at github.com/orgs/network-international/repositories including iOS SDK and Android SDK. Developer documentation is at docs.ngenius-payments.com.
What industry is Network International in?
Network International's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAMACAI, Cross-Border & Multi-Currency Gateway Services, with a secondary code of FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments. Its NAICS code is 522320 and its SIC code is 6199.