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.
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
- Libyan rails, first-hand: we integrate with Moamalat, MobiCash, EDFali, OnePay and the local banking ecosystem from production experience, not from documentation.
- Proof in production: DPay, our own gateway, processes real merchant payments — we operate what we build.
- Standards-based engineering: ISO 8583/20022 messaging, EMV, 3-D Secure and PCI DSS-aligned design as the default, not an afterthought.
- Arabic-first delivery: RTL interfaces, Arabic customer journeys and local support channels — including WhatsApp — built in from day one.
What we deliver
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.
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.
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.
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.
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.
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.
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.
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.
Technologies
How we work
- 1
Discover & assess
We map your current payment estate, transaction flows and integration points, and agree measurable goals — under NDA from the first meeting.
- 2
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
Build & integrate
Development and integration against Libyan rails and your core systems, in staged environments with test harnesses and simulators.
- 4
Certify & test
End-to-end testing, security review and certification runs with the gateways and institutions involved — before anything touches production.
- 5
Operate & support
Controlled go-live, monitoring dashboards, defined SLAs and local support. We stay accountable after launch.
Related services
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.