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Banking & Payment Solutions

Payment infrastructure for Libyan banks, fintechs and institutions — EFT switching, card issuance, digital banking and mobile wallets, built and integrated with Libya's payment rails.

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Overview

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Payments are DITS's home ground. We design, build and integrate the systems that move money in Libya — from the EFT switch at the centre of a bank to the wallet app in a customer's hand. Our clients are banks, fintechs, telecom operators and government institutions that need payment infrastructure engineered for the Libyan market.

We are clear about our role on every engagement. We build custom payment platforms, we integrate and localise partner systems, and we connect both to Libya's live payment rails — Moamalat, MobiCash, EDFali and OnePay among them — over ISO 8583 and ISO 20022. Where a project calls for a partner platform rather than a custom build, we say so, and we own the delivery end to end.

We also hold ourselves to the standard we ask of any vendor: running payment systems in production. DPay, our own payment gateway, aggregates Libya's major payment gateways behind one API and one dashboard and serves real merchants today. The lessons of operating it daily — uptime, reconciliation, gateway behaviour, merchant onboarding — feed directly into every client project.

Why DITS

  1. Libyan rails, first-hand

    we integrate with Moamalat, MobiCash, EDFali, OnePay and the local banking ecosystem from production experience, not from documentation.

  2. Proof in production

    DPay, our own gateway, processes real merchant payments — we operate what we build.

  3. Standards-based engineering

    ISO 8583/20022 messaging, EMV, 3-D Secure and PCI DSS-aligned design as the default, not an afterthought.

  4. Arabic-first delivery

    RTL interfaces, Arabic customer journeys and local support channels — including WhatsApp — built in from day one.

What we deliver

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EFT Switching & Payment Processing

The switch is the heart of a bank's payment estate: it routes, authorizes and settles every transaction across ATM, POS, e-commerce and mobile channels. We build and integrate multi-channel EFT switches and real-time processing platforms on ISO 8583 and ISO 20022 — including omnichannel merchant acquiring, configurable routing and fees, clearing and settlement, and interoperability with Libya's national payment infrastructure. Solutions are designed to coexist with the core systems a bank already runs.

02 / 13

Card Issuance & Prepaid Programs

End-to-end card programs for Libyan issuers: debit, prepaid and virtual cards with card management, personalization, PIN management and tokenization. Prepaid programs cover payroll cards, government disbursement and general-purpose reloadable products — a practical route to cashless payments in a cash-heavy market.

03 / 13

Digital Banking & Mobile Wallets

Customer-facing banking channels built for Libya: mobile and internet banking, QR payments, and full mobile-money platforms with P2P transfers, cash-in and cash-out through agent networks, and merchant payments. We design for real local conditions — Arabic-first RTL interfaces, USSD channels and offline-tolerant flows for areas with unreliable connectivity.

04 / 13

Payment Security & Fraud Prevention

Security engineered into the transaction path itself: 3-D Secure, EMV, tokenization, HSM-backed key management and real-time fraud monitoring with volume and velocity controls. We help banks align their payment estate with PCI DSS. This service covers payment-channel security specifically — for enterprise-wide protection, see our Cyber Security services.

05 / 13

Payments Operations: Monitoring, Reconciliation & Analytics

Keeping the estate healthy after go-live: real-time ATM and POS network monitoring with uptime dashboards and alerting, multi-way reconciliation between the switch, core banking and network files, and transaction analytics covering channel performance, revenue and dispute trends. The goal is simple — fewer outages, faster settlement, and no silent revenue leakage.

06 / 13

Financial Inclusion & Agent Banking

Most Libyans still deal in cash — reaching them is both a mandate and a market. We build agent-banking networks, tiered simplified-KYC onboarding, micro-payment services and government-to-person disbursement channels that extend banking beyond the branch, over the channels people already have: mobile apps, USSD and agents.

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API Management & Open Banking

The full API lifecycle for financial institutions: design, gateway, OAuth 2.0 security, rate limiting, developer portals and monitoring. We help banks expose payment and account services safely to fintechs and partners — the groundwork for an open-banking ecosystem in Libya.

08 / 13

Bill Payments & Remittance

Biller aggregation that lets customers pay electricity, telecom, internet and government fees from any channel — app, web, agent or POS — with real-time posting and automatic reconciliation. On the remittance side, we build inbound and outbound transfer processing with AML and KYC screening and flexible payout options, from bank accounts to wallets.

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Local & International Card Management

Management for both sides of a bank's card portfolio: local dinar cards on the national payment networks, and Visa and Mastercard cards through the bank's processor. Every card is linked to its account and the holder's national ID, with blocking and reactivation, per-channel limits, and loading in dinars or foreign currency within Central Bank of Libya rules, plus daily reconciliation of network files against core banking.

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Personal-Purpose FX Sales System

Bank-side software for selling the Central Bank of Libya's personal-purpose foreign-currency allowance through both channels: cash at the branch and loading onto Visa and Mastercard cards. It takes in the lists referred by the CBL and checks the customer's current account and dinar cover. At the counter it records banknote serial numbers, customer data and transaction time, and it produces the reconciliations and reports the CBL requires.

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RTGS & ACH Settlement Connectivity

We connect the bank's core system to the Central Bank of Libya's interbank settlement systems: RTGS for high-value transfers that settle with finality on the same business day, and electronic clearing (ACH) for smaller payments. We build the bank's side of the link: creating and validating payment messages from core banking, straight-through processing of incoming transfers, settlement-account and liquidity monitoring, and daily reconciliation with a clear exception queue.

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Salary Payment Processing

Bank-side payroll processing at scale: taking in salary files from employers, checking every line against the account number and the employee's national ID, posting in bulk to core banking, and returning rejected lines with a clear reason. The bank gets execution reports by employer and branch, and employees can receive an SMS when their salary is credited, sent through our iSend gateway.

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Branch Queue Management

A system that organizes how customers wait in the bank's branches: ticket kiosks by service type, Arabic voice calling, counter and waiting-hall displays, and configurable priority rules. Customers can book a visit in advance or get their turn by SMS, and management follows waiting and service times across every branch from one central dashboard.

Technologies

  • ISO 8583
  • ISO 20022
  • EMV & EMV 3-D Secure
  • PCI DSS
  • Hardware Security Modules (HSM)
  • EMVCo QR
  • OAuth 2.0 / OpenID Connect
  • REST APIs & Webhooks
  • Tokenization

How we work

  1. 01

    Discover & assess

    We map your current payment estate, transaction flows and integration points, and agree measurable goals — under NDA from the first meeting.

  2. 02

    Design & architect

    Solution architecture, standards mapping (ISO 8583/20022, EMV, PCI DSS) and a delivery plan with a clear build-or-integrate decision for every component.

  3. 03

    Build & integrate

    Development and integration against Libyan rails and your core systems, in staged environments with test harnesses and simulators.

  4. 04

    Certify & test

    End-to-end testing, security review and certification runs with the gateways and institutions involved — before anything touches production.

  5. 05

    Operate & support

    Controlled go-live, monitoring dashboards, defined SLAs and local support. We stay accountable after launch.

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Frequently asked questions

What does DITS's Banking & Payment Solutions service include?
Payment infrastructure for Libyan banks, fintechs and institutions — EFT switching, card issuance, digital banking and mobile wallets, built and integrated with Libya's payment rails. DITS designs, builds, and operates the solution end to end, tailored to each organisation's needs.
Is Banking & Payment Solutions available in Libya?
Yes. DITS delivers Banking & Payment Solutions for banks, government, and businesses across Libya — from offices in Benghazi and Tripoli, with support in Arabic and English.
How do I start a Banking & Payment Solutions project with DITS?
Request a quote at dits.ly/quote or contact the team. We begin with a scoping session, then plan, build, and support the solution end to end.

Let’s build something great

Tell us about your project — our team replies within one business day.

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Or reach us directly+218 92 9000 835info@dits.lyWhatsApp