What Cloud Invest Payment Solution does

Cloud Invest Payment Solution is a privately held payment technology company headquartered in Casablanca, Morocco, that builds and operates CIPS (Cloud Invest Payment Solution), an integrated omnichannel payment-switching platform. Founded in 2013, the company employs between 1 and 10 people and targets enterprise customers in three primary verticals: banks, petroleum companies, and retailers. Its go-to-market is direct enterprise sales with customized deployment rather than self-serve or SMB channels.

The CIPS platform's defining technical proposition is the consolidation of three traditionally separate payment-switch layers — Acquirer Switch, Issuer Switch, and Gateway Switch — into a single unified system, exposed via APIs for integration with core banking platforms, ERPs, and cryptocurrency nodes. The platform supports acceptance across a wide range of channels (Web, Mobile, KIOSK, ATM, POS, m-POS, PIN/PAD, OPT, RFID) and methods (cards, d-cards, d-wallets, e-coupons, QR-code, RFID tags, crypto accounts), with embedded applications certified on Ingenico, PAX, and SUNMI terminals. The company has built connectivity to 23+ payment networks spanning global schemes (VISA, MasterCard, Amex, UnionPay, JCB, Diners, Discover, CB, SIBS) and regional African/MENA switches (CMI, Moaamalat, Monétique Tunisie, GIM-UEMOA, GIMAC, MADA, K-NET, BENEFIT, OmanNet). Compliance posture spans PCI-DSS, PA-DSS, ISO 8583, ISO 27001, ISO 13492/9564/13491, and GDPR, supporting a 99.99% availability SLA for deployment.

Revenue mechanics combine per-transaction processing/switching fees with subscription/recurring platform services (cloud hosting, HSM-as-a-service, card issuance, value-added APIs), though pricing is quote-based and not publicly disclosed. Customer support is delivered 24/7 across 23 languages through omnichannel channels including chat. Notably, the company discloses no named customer logos, no funding history, no management team, and no revenue figures, which materially limits outside visibility into commercial traction.

Name

Cloud Invest Payment Solution

Legal name

Cloud Invest Payment Solution

Website

https://cloud-invest.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Cloud Invest Payment Solution is a Morocco-based payment technology firm operating CIPS, an integrated omnichannel payment platform combining acquirer, issuer, and gateway switching for banks, petroleum companies, and retailers across MENA and Africa.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Finance Services (6199), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD), Cross-Border & FX Payments Platforms (BPAMAFAK), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment processing
• Omnichannel payments
• Payment switching
• Card issuing
• Payment gateway integration

Headquarters

HQ city

Casa Blanca

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing and Switching Services: CIPS provides payment transaction processing through its integrated switch platform, enabling banks and financial institutions to process electronic payments across multiple channels and payment methods
2. Platform and Software Services: Cloud-based payment software solution, HSM as a service, cards instant issuing, and value-added services APIs offered to financial institutions

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Cloud Invest Payment Solution offers CIPS, a unified omnichannel payment platform that integrates three payment switches in one: Acquirer Switch, Issuer Switch, and Gateway Switch. The platform enables financial institutions, petroleum companies, and retailers to accept and process payments across multiple channels (Web, Mobile, KIOSK, ATM, POS, m-POS) and methods (Cards, d-Wallets, QR-Code, RFID Tags, Crypto Accounts), with built-in gateway connectivity to VISA, MasterCard, Amex, UnionPay and regional networks across MENA and Africa. Deployment options include in-house installation or secure private cloud hosting with HSM as a service and instant card issuing.

Product overview

Cloud Invest Payment Solution offers CIPS, a unified omnichannel payment platform that integrates three switches in one: Acquirer Switch, Issuer Switch, and Gateway Switch. The platform supports payment acceptance across multiple channels including Web, Mobile, KIOSK, ATM, POS, m-POS, PIN/PAD, OPT, and RFID Tag Reader. CIPS includes embedded terminal applications supporting multi-vendor hardware (Ingenico, PAX, SUNMI), cloud-based transaction processing with HSM as a service and instant card issuing, and customer-facing Web/Mobile consoles. The company provides industry-specific solutions for Banks (digital payments, digital banking, CMS, payment switching), Petroleum Companies (EPS, Fleet Card, Acquiring, Front-End Processor, Loyalty Engine), and Retailers (PIM, OMS, Delivery Tracking). Customer support is delivered through an omnichannel model with classic and interactive channels supporting 23 languages.

Differentiator

Problem solved

Functional benefit

Brands

• CIPS (Cloud Invest Payment Solution): Core payment processing platform that integrates three switches in one: Acquirer Switch, Issuer Switch, and Gateway Switch. Provides omnichannel payment solutions for web, mobile, and kiosk channels.

Products and services

• CIPS (Cloud Invest Payment Solution) An omnichannel payment platform that integrates three switches in one (Acquirer Switch, Issuer Switch, and Gateway Switch), enabling seamless customer order acceptance for B2B and B2C segments across Web, Mobile, KIOSK, ATM, POS, m-POS, PIN/PAD, OPT, and RFID Tag Reader channels. Targeted at financial institutions, petroleum companies, and retailers.
• Payment Transactions Management CIPS module that integrates three switches (Acquirer Switch, Issuer Switch, Gateway Switch), providing seamless API integration to different systems for payment processing. Designed for enterprise clients managing electronic transactions across multiple channels and gateways.
• Embedded Terminal Applications Multi-vendor embedded applications for terminals (POS, mPOS, Kiosk) from vendors including Ingenico, PAX, and SUNMI, enabling an omnichannel experience by porting services to proprietary hardware. Targeted at enterprises with heterogeneous terminal estates.
• Cloud Transactions Processing Ready-to-use cloud platform including cloud hosting, payment software solution, HSM as a service, cards instant issuing, and value-added services APIs. Targeted at financial institutions seeking cloud-native deployment without on-premise infrastructure investment.
• Bank Industry Solutions Industry-specific solution enabling banks to implement digital payments, digital banking, Cash Management System (CMS), and payment switching capabilities. Targeted at financial institutions.
• Petroleum Industry Solutions Industry-specific solution for petroleum companies including EPS (Electronic Payment Server), Fleet Card, Acquiring, Front-End Processor, and Loyalty Engine. Targeted at petroleum industry companies operating forecourts and fleet card programs.
• Retail Industry Solutions Industry-specific solution for retailers including Product Information Management (PIM), Order Management System (OMS), Delivery Tracking, and support for B2B, B2C, and C2C retail transactions. Targeted at retail businesses implementing comprehensive commerce and payment solutions.
• Customer Support Services Omnichannel customer support including classic channels (email, phone, ticketing portal), interactive channels (app/website chat, FAQ bots, 24/7 knowledge-base), and multiple SLA windows. Supports 23 languages via translation. Targeted at CIPS enterprise clients.
• Customer Protection Center Online security center providing privacy protection information, customer privacy resources, and tools to help customers identify, report, and mitigate security risks including fraud monitoring capabilities.

Quantifiable outcome

• 99.99% high availability SLA for platform deployment
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

AI capability2 records

Feature8 records

Partnerships

26 partnerships are on record, tiered core.

• VISAcoreTechnology or IntegrationPayment gateway integration partner enabling acceptance of VISA card transactions through CIPS platform
• MasterCardcoreTechnology or IntegrationPayment gateway integration partner enabling acceptance of MasterCard transactions through CIPS platform
• American Express (Amex)coreTechnology or IntegrationPayment gateway integration partner enabling acceptance of American Express card transactions through CIPS platform
• UnionPaycoreTechnology or IntegrationPayment gateway integration partner enabling acceptance of UnionPay card transactions through CIPS platform
• JCBcoreTechnology or IntegrationPayment gateway integration partner enabling acceptance of JCB card transactions through CIPS platform
• Diners ClubcoreTechnology or IntegrationPayment gateway integration partner enabling acceptance of Diners Club card transactions through CIPS platform
• DiscovercoreTechnology or IntegrationPayment gateway integration partner enabling acceptance of Discover card transactions through CIPS platform
• CB (Cartes Bancaires)coreTechnology or IntegrationFrench payment card network integration partner enabling acceptance of Cartes Bancaires transactions through CIPS platform
• SIBScoreTechnology or IntegrationPortuguese payment services provider integration for SIBS payment transactions through CIPS platform
• CMI (Centre Monétique Interbancaire)coreTechnology or IntegrationMoroccan interbank electronic payment center integration for national payment transactions through CIPS platform
• Monétique TunisiecoreTechnology or IntegrationTunisian electronic payment network integration for national payment transactions through CIPS platform
• MoaamalatcoreTechnology or IntegrationMoroccan payment network integration for electronic payment transactions through CIPS platform
• GIMTELcoreTechnology or IntegrationTelecom-focused payment integration for mobile and telecom payment transactions through CIPS platform
• GIM-UEMOAcoreTechnology or IntegrationWest African Economic and Monetary Union (UEMOA) interbank network for regional payment transactions through CIPS platform
• GIMACcoreTechnology or IntegrationAfrican interbank network for regional payment transactions across multiple African countries through CIPS platform
• MADAcoreTechnology or IntegrationJordanian payment network integration for national payment transactions through CIPS platform
• K-NETcoreTechnology or IntegrationMiddle East payment network integration for regional payment transactions through CIPS platform
• BENEFITcoreTechnology or IntegrationBahrain payment services integration for national payment transactions through CIPS platform
• OmanNetcoreTechnology or IntegrationOmani payment network integration for national payment transactions through CIPS platform
• YFScoreTechnology or IntegrationPayment services integration for regional payment transactions through CIPS platform
• Core Banking SystemscoreTechnology or IntegrationIntegration with core banking systems for seamless data exchange and streamlined workflow between banking operations and payment processing
• ERP SystemscoreTechnology or IntegrationIntegration with enterprise resource planning systems for efficient data exchange and streamlined business operations
• Crypto Currency NodescoreTechnology or IntegrationIntegration with cryptocurrency blockchain nodes enabling digital currency payment processing within the CIPS platform
• IngenicocoreTechnology or IntegrationTerminal hardware vendor providing POS and mPOS devices for embedded CIPS applications
• PAXcoreTechnology or IntegrationTerminal hardware vendor providing POS and mPOS devices for embedded CIPS applications
• SUNMIcoreTechnology or IntegrationTerminal hardware vendor providing POS, mPOS, and KIOSK devices for embedded CIPS applications

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Worldline: Global payment processor and merchant acquirer offering omnichannel and integrated switching products at much larger scale; competes broadly with CIPS in enterprise banking/retail acquiring.
• Stripe: Global integrated payment processor and gateway used by digital-first merchants and platforms; the closest large-scale analogue to CIPS's PSP/acquirer+gateway unified product.
• Verifone: Global payments hardware and omnichannel commerce platform with terminals and payment management — directly comparable to CIPS's embedded terminal applications and gateway orchestration.
• Checkout.com: Global unified payments processor serving large enterprise merchants and platforms across multiple geographies, with a model very similar to CIPS's consolidated switch concept.

Direct peers

• Network International: A leading MENA payment processor/acquirer that directly competes with CIPS for bank and merchant acquiring business, with comparable switch technology across the same regional geographies (UAE/MEA footprint).
• HyperPay: MENA-focused payment processor and gateway offering merchant acquiring and omnichannel solutions to banks and merchants — directly overlaps with CIPS's bank, petroleum and retailer verticals.
• Tap Payments: MENA digital payments infrastructure provider for online and in-person commerce with multi-gateway connectivity; competes with CIPS for bank and merchant integrations.
• Flutterwave: Africa-focused payment processor supporting multiple African payment methods and integrations; competes for the African bank/merchant segment where CIPS connects via schemes like GIM-UEMOA and GIMAC.

Emerging players

• M2P Fintech: Payment infrastructure and card-issuing platform serving banks and fintechs across emerging markets — overlaps with CIPS on core banking integrations, instant card issuing and API-first processing.

Others

• Ingenico (Worldline): Terminal hardware vendor that both supplies and competes with payment software stacks; CIPS lists Ingenico as a terminal partner but also partners with PAX and SUNMI, putting it adjacent to the full-hardware-vendor plays.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance18 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Cloud Invest Payment Solution