M4Bank
M4Bank (EMI Global Corp) is a Dubai-based software vendor that licenses SoftPOS, SmartPOS, and certified payment SDKs to banks and payment processors across 17+ countries, enabling them to deliver contactless payment acceptance to their merchant clients.
- Company typePrivate
- Founded2011
- HeadquartersDubai, United Arab Emirates
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What M4Bank does
M4Bank, the operating brand of EMI Global Corp, is a Dubai-headquartered software vendor that builds mobile and multichannel payment acceptance infrastructure for banks, payment processors, and financial institutions. Founded in 2011 and operating in 17+ countries across MENA, CIS, Europe, and selectively in North America, the company sells a B2B platform whose flagship products are SoftPOS (a tap-on-phone solution that turns any NFC-enabled Android smartphone into a contactless payment terminal), SmartPOS (a multivendor Android-based smart terminal platform), a certified SDK for embedding payment acceptance into bank apps, and a merchant web dashboard for analytics and management. The platform supports Visa, Mastercard, UnionPay, JCB, Amex, Alipay, Apple Pay, Samsung Pay, Google Pay, and QR-based acceptance, with PCI DSS and L2 EMV certifications underpinning scheme interoperability.
The company operates a pure B2B2C distribution model: banks and national payment processors (e.g., K-Net in Kuwait, SWITCH in Iraq, Paynet in Uzbekistan, BPC globally) license the M4Bank SDK and integrate it into their existing mobile applications, then distribute SoftPOS/SmartPOS to their downstream merchant base. Reported scale metrics include 500,000+ connected devices and 50+ projects, with multi-year enterprise contracts negotiated individually. Technical positioning emphasizes a 6-week integration timeline, active-active architecture with 99.99% SLA, throughput above 100 transactions per second, and Android-native Java/Kotlin SDKs.
Growth has been organic and operationally funded, with no disclosed venture rounds and headcount remaining in the 11-50 band. The company's strategic posture is that of a niche infrastructure specialist targeting emerging-market banks and processors where mobile-first acceptance and low hardware cost outweigh brand scale. Pricing is quote-based and not publicly disclosed, and revenue figures are not released.
M4Bank firmographics
Firmographics- Name
- M4Bank
- Legal name
- EMI Global Corp
- Website
- https://m4bank.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- M4Bank (EMI Global Corp) is a Dubai-based software vendor that licenses SoftPOS, SmartPOS, and certified payment SDKs to banks and payment processors across 17+ countries, enabling them to deliver contactless payment acceptance to their merchant clients.
- Ownership category
- akta.pro rank
M4Bank industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Payment Gateways & Orchestration (BPAMAFAA)
Keywords
Where M4Bank is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices1 record
Markets served
M4Bank business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Platform Licensing: M4Bank licenses its platform technology (SoftPOS, SmartPOS) to banks and financial institutions. Banks integrate the SDK into their existing mobile applications and distribute to their merchant customers.
- SDK/Software Development Kit: M4Bank provides certified SDKs for integration into partner applications, enabling time-to-market acceleration with pre-certified payment acceptance functionality.
- Enterprise Software Solutions: Turn-key solutions including cloud fiscalization, merchant portal, and processing integrations sold to banks and payment service providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise licensing for banks and financial institutions |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
M4Bank product offering
Product offeringCore offering
M4Bank develops and licenses a multichannel payment gateway platform for banks, payment processors, and financial institutions. Its core offerings include SoftPOS (tap-on-phone software turning any NFC-enabled Android device into a payment terminal), SmartPOS (Android POS terminal management), an SDK certified by Visa and Mastercard, and a merchant web portal. The platform supports card, QR, mobile wallet, and alternative payment acceptance with EMV and PCI DSS compliance.
Product overview
M4Bank is a comprehensive multichannel payment gateway platform for mobile commerce, offering a unified ecosystem of payment acceptance solutions. The core portfolio consists of SoftPOS (software-based tap-on-phone payment acceptance on any Android device), SmartPOS (multivendor Android POS solution with industrial performance), Merchant Dashboard (web-based transaction management and analytics), and SDK (certified development kit for integrating payment acceptance into partner apps). The platform enables banks, payment service providers, and merchants to accept card payments, QR codes, and mobile wallets through smartphones or dedicated POS terminals without costly hardware investments.
Differentiator
Problem solved
Functional benefit
Brands
- M4Bank.SoftPOS: Tap-on-phone payment acceptance solution that converts any Android device into a payment terminal
- M4Bank.SmartPOS
- M4Bank SDK
- Merchant Dashboard
Products and services
- SoftPOS Tap-on-phone software solution that converts any NFC-enabled Android smartphone into a contactless payment acceptance terminal without additional hardware. Supports cards, QR codes, mobile wallets (Apple Pay, Samsung Pay, Google Pay), and alternative methods. Sold to banks and payment processors for distribution to merchants.
- SmartPOS Multivendor Android POS software solution that turns Android POS hardware into smart payment terminals with customizable business applications and integrations. Supports faster transactions and heavy-duty payment acceptance for enterprise merchants.
- SDK Software Development Kit for integrating SoftPOS payment acceptance into partner bank or fintech mobile applications. Fully certified by Visa and Mastercard (L2 EMV compliant), Android native with Java and Kotlin support. Designed as plug-in-and-go for digital ecosystems.
- Merchant Dashboard Progressive web application for merchants to visualize real-time transaction data, manage analytics, generate reports, monitor staff performance, and control goods and services from any location. Sells as a standalone add-on product on the platform.
Quantifiable outcome
- Zero hardware cost for merchant payment acceptance network expansion
- +4 more outcomes
Companies that use M4Bank
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles2 records
M4Bank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
M4Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- K-Net (Kuwait)coreK-Net launched SoftPOS App based on M4Bank.SoftPOS technology in Kuwait, aligning with Kuwait Vision 2035 for digital transformation and financial inclusion.
- VisacoreVisa is a core payment network partner. M4Bank.SoftPOS is certified by Visa and included in Visa's Tap to Phone partner program. The first Tap to Phone project in the USA was based on M4Bank.SoftPOS with Visa technology.
- MastercardcoreMastercard is a primary payment network partner. M4Bank.SoftPOS SDK is fully certified by Mastercard and supports Mastercard contactless transactions.
- UnionPaycoreM4Bank achieved the first UnionPay SoftPOS transaction, demonstrating capability to support UnionPay payment acceptance.
- AlipaycoreFirst AliPay project in CIS launched by M4Bank, enabling Chinese payment method acceptance in the region.
- SWITCH (Iraq)coreIraqi payment processor licensed by Central Bank of Iraq, launching SoftPOS solution powered by M4Bank technology. Partnership enables digital payment expansion in Iraq market.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
M4Bank competitors and assessment
Company assessmentBroad incumbents
- Stripe (Tap to Pay): Global payments platform offering Tap to Pay on iPhone and Android SDKs for developers and platforms — competes with M4Bank for integration into bank and fintech merchant experiences.
- Verifone: Established POS hardware vendor expanding into Android-based soft and smart POS solutions — competes with M4Bank's SmartPOS/SoftPOS offering, particularly in merchant acquiring environments.
- Worldline: Global payments incumbent offering SoftPOS / Tap-to-Mobile solutions as part of a broader acquiring and processing portfolio — competing with M4Bank for mid-tier bank deals across Europe and MENA.
- Adyen: Global unified payments platform offering mobile POS / Tap to Pay functionality to enterprise merchants and platforms — competes for the same bank and large merchant relationships as M4Bank.
- SumUp: SMB-focused mobile payment acceptance provider with Tap-to-Phone (SumUp Solo / Air) capabilities — competes with M4Bank at the merchant acceptance layer though with a more SMB-direct model rather than bank-led.
- PAX Global: Major POS hardware manufacturer with growing Android smart terminal and SoftPOS offerings — overlapping with M4Bank at the SmartPOS layer and increasingly at the SoftPOS software layer.
- PayPal Zettle: Mobile card reader and Tap-to-Phone solution backed by PayPal — overlapping with M4Bank in enabling merchants to accept contactless payments via smartphones without traditional POS hardware.
Direct peers
- Phos (by Nexi): Direct SoftPOS / Tap-to-Phone SDK provider for banks and acquirers, comparable to M4Bank in delivering white-label payment acceptance software on Android NFC devices.
- MYPINPAD: Software-based PIN entry and Tap-to-Phone provider offering SDKs to banks and PSPs — a direct competitor in SoftPOS-on-smartphone acceptance for financial institutions.
Others
- BPC: Existing M4Bank customer and SmartVista payment platform vendor operating in 120+ countries — adjacent ecosystem participant rather than direct competitor, but pursuing overlapping bank integrators in MENA and Africa.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
M4Bank social profiles
Digital presenceM4Bank compliance and trust
Trust signalCompliance6 records
M4Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
M4Bank leadership team
Management profileNumber of profiles
Profiles2 records
M4Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
M4Bank 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 M4Bank
What does M4Bank do?
M4Bank develops and licenses a multichannel payment gateway platform for banks, payment processors, and financial institutions. Its core offerings include SoftPOS (tap-on-phone software turning any NFC-enabled Android device into a payment terminal), SmartPOS (Android POS terminal management), an SDK certified by Visa and Mastercard, and a merchant web portal. The platform supports card, QR, mobile wallet, and alternative payment acceptance with EMV and PCI DSS compliance.
Is M4Bank a public or private company?
M4Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was M4Bank founded?
M4Bank was founded in 2011. It employs 11 to 50 people.
Where is M4Bank based?
M4Bank is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does M4Bank make money?
Three revenue lines are on record. Platform Licensing is the primary driver. The others are SDK/Software Development Kit and enterprise Software Solutions.
Who are M4Bank's main competitors?
Broad incumbents on record are Stripe (Tap to Pay), Verifone, Worldline, Adyen, SumUp, PAX Global and PayPal Zettle. Direct peers are Phos (by Nexi) and MYPINPAD. BPC is listed as an others.
Does M4Bank have an API?
Yes. M4Bank provides an SDK for SoftPOS and SmartPOS integration. The SoftPOS SDK integrates into existing apps and is designed as a plug-in-and-go for digital ecosystems. It handles hardware interaction, preprocessing interactions, payment processing, and 80% security requirements. The SDK is Android native, supporting Java and Kotlin. Alternatively, integration can be done via API through deep link with SoftPOS Android app for seamless customer experience. Developer documentation is at m4bank.com/sdk.
What industry is M4Bank in?
M4Bank's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMADAB, mPOS & SoftPOS (Tap-to-Phone) Solutions, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 52232.