Everything money does.
On one ledger.
Pick one product or run the whole hive. Every piece shares the same merchants, the same ledger and the same API.
Orchestration
Plug in every acquirer, wallet and local method you need. MoneyBee picks the best route for each payment and retries the next one when a route fails.
- 120+ connectors behind one API
- Rules by cost, success rate, currency, BIN and ticket size
- Cascading retries on soft declines
Checkout
A hosted page that shows each shopper the methods they actually use, in their language and currency.
- Cards, Apple Pay, Google Pay, local wallets and BNPL
- 3-D Secure handled for you
- Your logo, your colours, your domain
Payment links and QR
Type an amount, pick a reason, share on WhatsApp. Your customer pays by card, wallet or crypto. No website needed.
- Links and QR codes in seconds, from the app or the API
- Multi-currency, with expiry and single or reusable use
- Paid, pending and expired at a glance
MoneyBee Lite
The whole business in your pocket. Sales today, payments, links, payouts and settlements, on iOS and Android.
- Today view with live sales and settlements
- Create links and QR codes on the spot
- Approve payouts with Face ID
Onboarding in minutes
Drop a trade licence and Emirates ID. AI agents read them, fill the application and run the checks. Merchants already approved with a live MID simply sign in.
- Documents read and fields filled automatically
- Screening and risk scoring in the background
- Human review only where it matters
Crypto payments
Accept stablecoins and major coins next to cards, on the same checkout and the same ledger.
- USDT, USDC, BTC and ETH
- Network and amount shown with a QR to scan
- Deposits tracked to confirmation
Payouts
Pay suppliers, sellers and staff from your balance, one at a time or in bulk.
- Bulk and split payouts
- Maker-checker approval
- Reserves and available balance in real time
Card issuing
Issue virtual and physical cards from your MoneyBee balance, powered by our partner ekka.
- Virtual cards in seconds
- Fund, freeze and set limits by API
- Every spend lands on the same ledger
Reconciliation
Every payment, fee, refund and payout matched to the bank line, with AI from our partner SoleAI explaining the exceptions.
- Automatic three-way matching
- Exceptions explained in plain words
- Exports for your accountant
Risk and AML
Fraud rules, 3-D Secure and AML monitoring that run on every payment without slowing it down.
- Velocity, BIN and geography rules
- Screening and transaction monitoring
- goAML-ready reporting for the UAE
White-label console
Run your own payment brand on MoneyBee. Onboard merchants, set pricing and watch every portfolio from one console.
- Your brand on console, checkout and app
- Merchant hierarchy and pricing plans
- Roles, audit trail and approvals
Substrate ERP
An AI ERP for small and medium businesses. Invoices, stock, payroll and books, already connected to your MoneyBee payments.
- Payments post to your books automatically
- Inventory, invoicing and payroll in one place
- Built for SMEs
Start with one. Grow into all of them.
Tell us what you sell and where. We will set up the right mix.
Let's talk