Electronic wallet services
Digital wallet management
Ramaki Financial Services (MellatPay)
Ramaki Financial Services (MellatPay) is building a secure, compliant, technology-driven and customer-focused digital payment platform designed to make electronic financial services more accessible to individuals, merchants, businesses and institutions in Afghanistan.
Accessible and secure digital financial services
Ramaki Financial Services (MellatPay) is an electronic money/payment services business focused on providing accessible and secure digital financial services. The company aims to contribute to the development of a more accessible, efficient, and digitally enabled payment ecosystem in Afghanistan.
Digital payment solutions
Ramaki Financial Services (MellatPay) is being established to provide secure, convenient, and technology-driven electronic money and payment solutions, including:
Cash-in and cash-out services
Agent and cash distribution network management
Person-to-person (P2P) transfers
Payment transaction processing
QR-code-based merchant payments
QR and POS payment solutions
POS and merchant payment solutions
Merchant payment acceptance
Merchant payment acceptance
Customer and merchant support
Utility and bill payments
Electronic money and digital payment services
Airtime/mobile top-up services
Convenient and accessible digital payment channels
Digital payment solutions for merchants and businesses
Digital transaction reporting and reconciliation
An integrated digital payment ecosystem
Rather than focusing only on a single payment channel, the business model is intended to provide an integrated ecosystem covering wallets, transfers, merchant payments, agent services, and business/institutional payment solutions.
Digital wallets
Person-to-person transfers
An integrated digital payment ecosystem
Merchant payments
Agent services
Business and institutional payment solutions
Security, compliance, and customer protection
The company will place particular emphasis on secure systems, regulatory compliance, operational controls, customer protection, and reliable transaction processing.
- 01
AML/CFT compliance and transaction monitoring
- 02
Customer onboarding and identification
- 03
Secure and controlled financial technology operations
- 04
Digital transaction reporting and reconciliation
- 05
Strong operational controls and risk management
- 06
Information security and operational resilience
Individuals, businesses, and institutions
Our target customer and stakeholder segments include:
Retail and individual customers
Merchants and retailers
Small and medium-sized businesses
Corporate customers
Government institutions
Development organizations
NGOs and humanitarian organizations
Other eligible institutional customers
Future payment capabilities
Subject to regulatory approval, operational readiness, and future product development, additional services may include:
Salary and payroll disbursement
Subject to regulatory approval and operational readiness.
Bulk payments
Subject to regulatory approval and operational readiness.
Merchant collection solutions
Subject to regulatory approval and operational readiness.
Wallet-to-bank and bank-to-wallet services
Subject to regulatory approval and operational readiness.
Cross-EMI interoperability
Subject to regulatory approval and operational readiness.
Government payment solutions
Subject to regulatory approval and operational readiness.
Digital fund disbursement for corporate, institutional, and development organizations
Subject to regulatory approval and operational readiness.
Trust, compliance, technology, and accessibility
MellatPay aims to differentiate itself through a combination of trust, compliance, technology, accessibility, and customer-focused digital payment solutions.
Secure and reliable digital financial services
Strong emphasis on regulatory and AML/CFT compliance.
Technology-driven payment solutions
Convenient and accessible digital payment channels.
Agent-based cash-in/cash-out capability
Merchant-focused payment solutions.
Retail and institutional customers
Focus on interoperability and integration with the broader financial ecosystem.
Operational controls and risk management
Customer-centric service delivery.
Our vision
Our vision is to become a trusted and innovative digital financial services provider in Afghanistan, contributing to a more accessible, secure, and inclusive digital payment ecosystem.
Our mission
Our mission is to provide secure, reliable, convenient, and accessible electronic money and payment solutions that connect individuals, merchants, businesses, and institutions through innovative technology and strong regulatory and operational standards.
Connect with Ramaki Financial Services
Ramaki Financial Services (MellatPay) is building a secure, compliant, technology-driven and customer-focused digital payment platform designed to make electronic financial services more accessible to individuals, merchants, businesses and institutions in Afghanistan.