Turn registered merchants into transacting ones
Madfoa provides digital payment infrastructure and merchant enablement solutions that help financial institutions, payment providers, governments, enterprises, and software companies launch, operate, and scale modern payment ecosystems.
Registered merchant & biller base — a large share inactive
Activation · Onboarding · Enablement · Integration · Collections · Workflow
Core rails · Processing · Settlement · Compliance
Infrastructure for the institutions that move money
Madfoa is an enablement and infrastructure layer on top of your existing rails — designed to complement your ecosystem, not compete with it.
Banks & Acquirers
Activate registered commercial customers on the bank's own rails.
Payment Service Providers
Convert a registered merchant base into transacting volume.
Governments
Digitize collections and activate enrolled billers.
Enterprises
Automate acceptance, collections and reconciliation.
Software Platforms
Embed payments and merchant management into your product.
Merchant acquisition is solved. Activation is not.
Payment providers register large numbers of merchants and billers. A significant share never become active. The constraint is not onboarding volume — it is activation, enablement, and sustained usage.
The distance between a registered merchant and a transacting one is where payment providers lose value — and where Madfoa operates.
One layer between your rails and your merchants
Madfoa operates between your core payment rails and your merchants — extending reach and usage without changing what already works.
- Onboarding, enablement and activation
- Acceptance across methods and channels
- Routing, tokenization and settlement
- Reconciliation, risk and reporting
Registered merchant & biller base — a large share inactive
Activation · Onboarding · Enablement · Integration · Collections · Workflow
Core rails · Processing · Settlement · Compliance
Capabilities across the merchant and payment lifecycle
A complete infrastructure surface — build on the parts you need, extend as your ecosystem grows.
Products built for enablement at scale
Packaged offerings that put the platform to work for providers, banks and software companies.
Built for the realities of each sector
Madfoa maps to the operating model of the institutions it serves — from banks and PSPs to governments, enterprises and software platforms.
Experience across regional and international platforms
The founding team brings hands-on integration and delivery experience across the payment platforms that operate in these markets.
Names denote integration experience, not partnership or endorsement. See the integrations directory for status.
A structured, low-risk delivery model
Designed to integrate with your existing environment, governance and security requirements.
- Discovery & Business AnalysisUnderstand your merchant base, rails and objectives.
- Solution ArchitectureDesign an approach that fits your environment and governance.
- Integration & DevelopmentBuild against documented APIs in a sandbox-first workflow.
- Security & TestingValidate against your security and testing requirements.
- Deployment & SupportGo live and sustain usage with ongoing support.
Build on documented, predictable APIs
A developer platform with REST APIs, client SDKs, webhooks and a sandbox — so your engineers can integrate with confidence and test before going live.
curl https://api.madfoa.com/v1/payments \
-H "Authorization: Bearer $MADFOA_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 4500,
"currency": "SAR",
"merchant_id": "mch_08c1a2",
"method": "card"
}'Why organizations work with us
Founding-team experience
Hands-on experience designing and implementing payment solutions with regional and international providers.
Complementary by design
We extend existing payment ecosystems rather than compete with them — no disruption to your core.
Enterprise delivery focus
Enterprise-grade integration delivered with practical, dependable execution.
Regional understanding
Built around the operating realities of MENA payment markets.
Acme Trading
Card · 10:24
Payment link · 09:58
Request · 09:12
Manage your business anywhere
The Madfoa Merchant App extends the Madfoa platform to mobile, giving merchants a unified way to manage payment requests, payment links, transactions, customers and payment providers from anywhere.
Designed for businesses across the Middle East, the app delivers the same secure, enterprise-grade experience available on the Madfoa platform.
- Create Payment Requests
- Generate Payment Links
- Monitor Transactions
- Customer Management
- Real-Time Notifications
- Multiple Payment Providers
- Face ID & Fingerprint Login
Activate your registered merchant and biller base
Madfoa is positioned to help extend the reach, adoption and usage of your payment services through technology-led merchant enablement. Tell us where you are today.