MoneyHash

MoneyHash: all-in-one payment orchestration for merchants in MEA and other emerging markets

As merchants scale across new countries, currencies, and payment methods, stitching together multiple PSPs can bog down teams with duplicated builds, tricky routing, and fragmented reporting. MoneyHash is built to solve exactly that. It is a payments and revenue operations platform that sits between your checkout and your providers to optimize conversion, simplify operations, and accelerate expansion with one integration and a control layer designed for complex, multi-provider stacks.

What is MoneyHash

MoneyHash describes itself as the leading payment infrastructure software for Africa and the Middle East, purpose-built to help businesses optimize payment performance, scale operations, cut costs, and grow revenue. In practice, that means a single platform to connect pay-in and pay-out providers, orchestrate transaction flows, unify reporting, and run billing experiences such as subscriptions, invoices, and payment links.

Crucially for merchants selling in emerging markets, MoneyHash has already done much of the integration work. You connect once to a universal API and gain access to a large network of pre-integrated PSPs and alternative payment methods across dozens of markets. Their platform highlights 300+ pre-integrated APIs across 50+ markets, giving you broad optionality without building each connection from scratch.

The MoneyHash product suite at a glance

MoneyHash organizes its platform into four pillars that map to what most growing merchants need: infrastructure, conversion, orchestration, and operations.

1) Payment infrastructure

Universal pay-in integrations. Connect once to MoneyHash’s universal API and tap hundreds of pay-in methods such as cards, digital wallets, BNPL, open banking, and more across regional and global providers. This allows you to pick the right method per market without repeated engineering work.

Tokenization vault. MoneyHash offers a high-performance tokenization vault that securely stores sensitive card data and keeps tokens agnostic from any single PSP. The vault is designed to reduce your PCI burden while enabling portability of tokens across providers.

Developer-friendly integration options. Teams can integrate via JavaScript and mobile SDKs, an External API that limits PCI scope by letting MoneyHash collect sensitive data, or a Direct API for organizations that are PCI compliant and want complete control of the checkout experience. The documentation includes a side-by-side feature comparison so engineers can choose the right path.

2) Payment conversion

Dynamic checkout. Tailor checkout flows based on a customer’s location and preferences to remove friction and improve completion rates. This module also supports native wallets.

Payment links. Generate links to accept one-time payments or subscriptions without a full website build, a fast way to sell through chat, email, or social channels while still tracking payments in one place.

Virtual wallets, subscriptions, and digital invoices. MoneyHash includes tools for stored-value wallets and subscription management with plan creation, recurring billing, and invoice issuance, helpful for SaaS, memberships, and usage-based businesses expanding across currencies.

3) Payment orchestration

Programmable routing for higher authorization rates and lower costs. MoneyHash’s orchestration layer lets you design transaction flows that route to the best provider per context, improve authentication, and cut processing costs through rule-based logic. This is the core of how merchants lift approval rates and reduce churn as they grow.

Fraud tool integrations and resilience. The orchestration suite is built to plug in third-party risk tools and power strategies like failover, retries, and dynamic 3DS.

4) Payment operations

Reconciliation and unified reporting. With MoneyHash Sync, the platform connects to provider APIs and consolidates historic and real-time transactions into a standardized report. That single source of truth makes reconciliation faster and reduces manual accounting work across providers.

Transaction lifecycle management. The API surface covers all the operational actions your team expects: captures, refunds, voids, partial operations, and granular transaction breakdowns, so finance and support teams can resolve issues quickly.

Where MoneyHash fits best

Multi-provider and multi-market merchants. If your payments strategy spans several PSPs and APMs across MEA and other emerging markets, MoneyHash centralizes that complexity behind a single integration and dashboard. The pre-built connectivity plus orchestration logic helps you reach local acceptance with local methods while maintaining consistency in your own stack.

Merchants focused on conversion. Dynamic checkout and payment links meet customers where they are, while routing and authentication controls help improve authorization rates. Combined, these tools aim to raise successful payments without locking you into a single processor.

Subscription, invoicing, and stored-value use cases. For recurring revenue models or wallet-based experiences, MoneyHash’s subscriptions, invoices, and wallet modules provide the primitives to launch quickly and scale cleanly.

Integration paths and developer experience

Choose your integration model.

• Hosted or embedded SDKs for fast time to value and reduced PCI scope.

• External API when you want API-level control while MoneyHash handles sensitive data collection.

• Direct API when you are PCI compliant and want to own the entire customer experience, including card data entry.

Unified primitives. MoneyHash structures payments around intents, transactions, and tokens, a consistent model across providers that simplifies how your team builds, tests, and operates multi-PSP flows. The API includes endpoints for creating intents, charging with card tokens, and submitting native wallet receipts, plus payout operations.

Sandbox, webhooks, and idempotency. The platform emphasizes a developer-first approach with webhook notifications, idempotent APIs, and a sandbox for safe testing before go-live.

Security and compliance

Security is foundational to MoneyHash’s design. The tokenization vault is PCI compliant and isolates sensitive card data from your application, returning tokens you can use across providers. This setup helps reduce your PCI scope while giving you the flexibility to orchestrate tokens as you evolve your stack. If you choose a Direct API integration and collect card data yourself, you will need to be PCI compliant.

Benefits merchants typically seek with MoneyHash

• Higher acceptance and lower failure rates via smart routing, fallbacks, and better authentication controls.

• Lower total cost of ownership by avoiding repeated one-off builds and consolidating reporting and reconciliation.

• Faster market entry thanks to pre-built connections to hundreds of PSPs and APMs across 50+ markets.

• Operational clarity with a single source of truth for transactions, historic data sync, and standardized reports.

• Future-proof flexibility since tokens are not locked to a single PSP and can move with your orchestration logic.

Conclusion

If your roadmap includes expanding across MEA and other emerging markets, adopting more local payment methods, and improving payment performance without inflating engineering overhead, MoneyHash is worth a close look. The combination of universal connectivity, programmable routing, conversion-focused checkout, and operations tooling gives merchants a practical way to raise acceptance, lower costs, and keep reporting clean while scaling fast.