The Ethiopian Payments Network
Collect, hold, pay.
All across Ethiopia.
Your business runs on one account. Collect by mobile money, bank transfer or card, hold it in Birr, and pay out to any Ethiopian bank or wallet.
One merchant account
liveMobile money, bank transfer or card, into one balance.
A Birr balance in your business name, reconciled as it moves.
Out to any Ethiopian bank account or mobile money wallet.
Settles over
How the network moves
Follow one payment, collection to payout
The same Br 812,400, collected from a customer and paid out to the bank, three moves later.
-
01
Collected from a customer
A customer pays by mobile money, bank transfer or card. It lands in your merchant wallet, matched to the invoice, no chasing.
-
02
Held in your wallet
It sits in a balance that is yours, reconciled and ready. Hold it as long as you need before you pay out.
-
03
Paid out to bank or wallet
Send it to any Ethiopian bank account or mobile money wallet on your schedule, with the approvals you set.
In
Br 812,400
matched to invoice
Held
Br 812,400
yours, for as long as you need
Out
Br 812,400
same day
Br 812,400
held in your wallet
· paid out same day
Br 812,400
About Us
The network behind Ethiopian businesses
Emaal was built for companies that were tired of running their money across several banks, a handful of wallets and a spreadsheet. We give every business one account that collects, holds and pays — all reconciled as it moves.
From a single mobile money collection to a full supplier payout run, the same account keeps up.
Segregated by design
Merchant balances are tracked in their own ledger, separate from operating funds, with every movement recorded.
Built for finance teams
Reconciliation, approvals and audit trails are the product, not an afterthought bolted on later.
One account, every rail
Mobile money, bank transfer and card collections settle into the same balance you pay out from.
By the numbers
- Collected and paid out
- —
- Businesses collecting
- —
- Banks and wallets reached
- —
- Average time to pay out
- —
Collected and paid out
Businesses collecting
Banks and wallets reached
Average time to pay out
Our Services
Everything your money does, in one account
Four products that share one balance, one ledger and one set of controls.
Collections
Take payment by mobile money, bank transfer or card. Every collection arrives matched to its invoice.
Open an account- Mobile money pay-in
- Bank transfer and card
- Auto-matched to invoices
Merchant wallets
A Birr balance in your business name, with sub-accounts you can open and fund as you need them.
Open an account- Balance in your name
- Sub-accounts on demand
- Live the same day
Bulk payouts
Upload a batch or pay one by one. Set per-user limits and require a second approval above them.
Open an account- Batch upload by file
- Per-user limits
- Two-step approvals
Supplier payouts
Pay any Ethiopian bank account or mobile money wallet, from the same balance your collections landed in.
Open an account- Any bank or wallet
- Scheduled or instant
- Full audit trail
Payments
Money in, money out, under your control
Your own merchant wallet
Collect into a balance that's yours
Every merchant gets a Birr wallet to collect into. Customers pay by mobile money, bank transfer or card, and it all lands in one place, matched to the invoice.
- A Birr balance in your business name
- Mobile money, bank transfer and card in one account
- Every collection matched to its invoice
1000 •••• •••• 5678
Merchant wallet · Addis Ababa
AWAITING YOUR APPROVAL
Control who moves what
Pay out to any bank or wallet, in bulk
Upload a batch or pay one by one. Set a limit per user and require a second approval above it. Your team moves the small payments; you sign off the big ones.
- Pay any Ethiopian bank account or mobile money wallet
- Bulk payouts with per-user limits and approvals
- Full audit trail on every payout
Coverage
One network, city to city
Collections and payouts settle over the same rails wherever your customers and payees are.
Addis Ababa
Across the network
COLLECTION · TELEBIRR
Br 812,400 · matched to invoice
PAYOUT · CBE
Br 240,000 · same day
FUNDED · AWASH
Br 3.1M · cleared
COLLECTION · M-PESA
Br 58,900 · matched to invoice
PAYOUT · DASHEN
Br 1.2M · same day
COLLECTION · CBE BIRR
Br 415,000 · matched to invoice
COLLECTION · TELEBIRR
Br 812,400 · matched to invoice
PAYOUT · CBE
Br 240,000 · same day
FUNDED · AWASH
Br 3.1M · cleared
COLLECTION · M-PESA
Br 58,900 · matched to invoice
PAYOUT · DASHEN
Br 1.2M · same day
COLLECTION · CBE BIRR
Br 415,000 · matched to invoice
Contact Us
Join the network
Open your business account in minutes. Our team will walk you through onboarding and get your collections live.
- info@finpaytech.co
- Phone
- +251 915 006 236
- Alt
- +251 911 227 197
- Office
- Addis Ababa, Ethiopia
Talk to our team
Tell us about your business and we'll get you set up.
Open an accountAlready registered? Sign in to the portal