Network International

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.

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

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

• Payment processing services
• Merchant acquiring solutions
• Digital payments platform
• Card processing solutions
• Payment gateway services

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices9 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. 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.
2. Card Processing for Financial Institutions: Processing services for banks and financial institutions including card hosting, transaction processing, switching, card management, and fraud management.
3. Hospitality Payment Solutions: Integrated payment solutions for hospitality businesses with property management and POS integrations.
4. Business Payment Solutions: Corporate executive cards and digital business payment solutions with rebate accrual and competitive FX rates.
5. Value Added Services: Fraud protection, loyalty programs, analytics, BNPL (Slice), merchant financing, expense management, and alternative payment methods.
6. Prepaid Card Solutions: Consumer and commercial prepaid cards for payroll, travel, and budgeting with card issuance fees.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core 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

Named customers11 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability4 records

Feature11 records

Partnerships

22 partnerships are on record, tiered core, strategic and minor.

• American Express Middle EastcoreStrategic or Co-development Partner · 30 June 2026First-of-its-kind strategic partnership to significantly expand merchant acceptance for American Express in the UAE.
• Majid Al FuttaimstrategicStrategic or Co-development Partner · 29 June 2026Strategic partnership for in-store acquiring business with major retail conglomerate operating malls, hotels, and retail across MENA.
• Beyond ONEminorGTM or Marketing Partner · 29 June 2026Hosted 'Terrace Talks' panel in Oman with Friendi Pay Oman on building trust in digital financial services, highlighting ecosystem partnerships.
• Friendi Pay OmanminorChannel Partner/ Reseller/ Distributor · 29 June 2026Venue and host for Beyond ONE's Terrace Talks event in Oman, discussing digital payments adoption in Omani market.
• Valu JordanstrategicStrategic or Co-development Partner · 10 June 2026Strategic 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 or Co-development Partner · 20 May 2026Strategic 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 NBDcoreTechnology or Integration · 15 May 2026Long-standing processing partnership extended for card and payment processing services across Emirates NBD's operations.
• Tadhamun Bank LibyastrategicTechnology or Integration · 24 April 2026Partnership with JMR Infotech to implement AI-powered chatbots and voicebots. Network also partners with Al Seraj Islamic Bank for digital payment processing in Libya.
• WooCommercestrategicTechnology or Integration · 21 April 2026Strategic 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 or Co-development Partner · 26 March 2026Strategic 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 EgyptstrategicTechnology or Integration · 13 March 2026Launched Egypt's first AI-powered transactional fraud solution (FICO Falcon Fraud Manager) creating behavioral profiles and analyzing transactions in real-time.
• ApplestrategicTechnology or Integration · 4 March 2026Enabled 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 BankstrategicStrategic or Co-development Partner · 27 February 2026Processing 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.
• flydubaistrategicStrategic or Co-development Partner · 14 January 2026Partnership 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)strategicStrategic or Co-development Partner · 6 January 2026Partnership 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 BankstrategicTechnology or Integration · 1 November 2025Processing 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.
• GiftminorGTM or Marketing Partner · 30 October 2025Partnership to enable Gift's Loyalife loyalty platform to Network's clients, strengthening customer engagement for financial institutions in MEA.
• BoltstrategicGTM or Marketing Partner · 16 October 2025Partnership to enhance payment processing in UAE for ride-hailing platform. Provides faster, more secure in-app transactions and quicker payouts for drivers.
• dustrategicStrategic or Co-development Partner · 13 October 2025MoU 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 or Co-development Partner · 16 September 2025Strategic partnership to modernize Libya's banking sector with prepaid card issuance, fraud prevention tools, and back-office managed capabilities supporting national financial inclusion goals.
• FICOcoreTechnology or Integration · 21 January 2025Partnership to implement fraud detection solutions across MEA operations integrating FICO Falcon Fraud Manager and Decisioning-as-a-Service for comprehensive risk management.
• Compass Plus TechnologiescoreTechnology or Integration · 1 January 200620-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

Direct 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

• Xx.com/networkonsocial
• YouTubeyoutube.com/channel/UCEfE0jB5ID31PMeZoF5hl0w
• LinkedInlinkedin.com/company/network-international
• Instagraminstagram.com/networkpayments/?igsh=MTVqYXl5aTF3YmRleg%3D%3D&utm_source=qr
• TikToktiktok.com/@networkpayments

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries4 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Network International