Capabilities

Infrastructure,
made personal.

Payments, banking, treasury, and embedded finance brought into one clear conversation, then connected through the relationships that fit.

A considered architecture

Each part matters.
The value is in how
they work together.

We begin with the commercial reality of your business, then shape the infrastructure around it. The result is a focused partner strategy, built around the business itself.

Accept

Create a payment experience that feels local wherever your customers are.

Acquiring

Relevant acquiring relationships shaped around your model, markets, currencies, and customer journey.

Open banking

Account-to-account payment options and open-banking infrastructure for modern checkout flows.

Local payment methods

Market-specific methods that match local preferences and support international expansion.

Alternative payments

Complementary rails and wallet options assembled into a considered acceptance strategy.

Bank

Build account relationships that understand how an international business really operates.

Business banking

Introductions to banking partners aligned with your structure, operating model, and footprint.

Virtual IBANs

Account architecture for collection, reconciliation, and multi-market operations.

Digital-asset banking

Relationships designed for businesses operating responsibly across traditional and digital finance.

Global collections

Collection accounts and flows that bring revenue together with greater clarity.

Move

Connect the rails that move value between markets, entities, and currencies.

Treasury & settlement

Settlement design, currency flows, and treasury relationships that support day-to-day operations.

Cross-border infrastructure

A connected view of accounts, conversion, transfers, and counterparties across regions.

On/off ramping

Fiat and digital-asset conversion relationships for well-structured, compliant business models.

International payouts

Payout routes considered around coverage, speed, experience, and operational fit.

Build

Turn financial infrastructure into a product customers can rely on.

Banking-as-a-Service

BaaS relationships and architecture for embedded accounts, payments, and financial features.

Card issuing

Programme and issuing connections considered around geography, product design, and scale.

Embedded finance

Partner selection and orchestration for products placing finance inside a wider experience.

Infrastructure design

A coherent partner map that brings banking, payments, treasury, and product needs together.

Payment coverage

Specific methods.
Relevant markets.

From JCB and Apple Pay to PIX, M-Pesa and SEPA Instant, INOAF helps businesses identify and access the methods their markets require.

Coverage depends on the business, jurisdiction, provider requirements and onboarding.

01Cards, wallets and in-person payments

Global card schemes and wallet options for online, in-app and physical checkout.

Card and wallet coverage

Visa (debit, credit and prepaid)
Mastercard (debit, credit and prepaid)
American Express (Amex)
JCB (Japan Credit Bureau)
Apple Pay
Google Pay
Samsung Pay
POS and in-person card payments

02Bank transfers and open banking

Account-to-account routes for domestic, regional and international payments.

Europe and international

SEPA Credit Transfer
SEPA Instant
SWIFT international transfers
Open Banking Pay (UK and EU)

United States and United Kingdom

ACH (USA)
Fedwire (USA)
Faster Payments (UK)
CHAPS (UK)

03Accounts, IBANs and collection infrastructure

Named and multi-currency account structures for collecting, holding, converting and sending funds.

Accounts

Named corporate accounts
SEPA IBAN (EUR)
GBP account
USD account
HKD account
AUD account
AED account
Multi-currency e-wallet
SWIFT multi-currency payouts

Virtual accounts

SEPA vIBANs (EUR)
UK vIBANs (GBP)
Hong Kong vIBANs (multi-currency)
Multi-jurisdiction EU vIBANs
Dynamic collection accounts in Asia
Named local accounts

04Middle East and Africa

Local bank rails, wallets, mobile money and alternative payment methods across key markets.

Saudi Arabia

Mada
SADAD
STC Pay
Tabby
Tamara

Egypt

Fawry
Fawry Digital wallet
Instapay
Valù
Orange Money

United Arab Emirates

Careem Pay
Local AED bank transfers
SWIFT AED international payments

Kenya and East Africa

M-Pesa
Local bank transfers

West Africa

MTN Mobile Money
Paystack
Flutterwave
Airtel Money

South Africa

PayShap
EFT
Local bank transfer

05Asia Pacific

National payment systems, QR payments, wallets and local transfers across Asia Pacific.

India

UPI
UPI Intent
IMPS
Net banking

Indonesia

Bank Virtual Accounts (BCA, BNI, CIMB, Permata, Mandiri, BRI and BSI)
QRIS
DANA
OVO
ShopeePay
LinkAja

Japan

Bank transfer (P2P personal account)
JCB card acquiring
Local bank pay-in and pay-out

South Korea

Virtual Accounts (KRW bank pay-in)
Bank transfer pay-out
Local domestic wire transfer

Thailand

PromptPay
Local bank account pay-in
Local bank transfer pay-out

Vietnam

MoMo
ViettelPay
QR bank transfer
Local bank transfer (pay-in and pay-out)

Philippines

QR Ph
GCash
Maya (PayMaya)
Instapay and PESONet bank transfer

Bangladesh

bKash
Nagad
Local bank transfer

Singapore

PayNow
FAST transfers
Local SGD bank account

Hong Kong

FPS
CHATS
Cross-border CNY and RMB transfers

Australia

PayID
BPAY
NPP

Malaysia and other Southeast Asian markets

FPX (Malaysia)
Local bank transfers in Malaysia, Myanmar, Cambodia and Laos
BAKONG (Cambodia)

06Latin America

Instant transfer systems, cash networks and local payment options across major LATAM markets.

Brazil

PIX
Boleto Bancário
Local bank transfer

Mexico

SPEI
OXXO
Local bank transfer

Colombia

PSE
NEQUI
Davivienda PUSH
EFECTY

07Europe, Turkey and buy now, pay later

Local transfer methods and instalment options beyond standard card and SEPA coverage.

Local methods

TRY bank transfer (Turkey)
BLIK (Poland)
Open Banking (UK)
SEPA Instant (Eurozone)

Buy now, pay later

Tabby
Tamara
Valù
Postepay and Postepay Evolution

08Digital assets, payouts and treasury

Fiat and digital-asset routes for conversion, settlement and local or international disbursements.

Digital assets

Bitcoin (BTC)
Ethereum (ETH)
ERC-20 token acceptance
USDT (Tether)
USDC
Crypto on-ramp
Crypto off-ramp
Crypto merchant acquiring

Global and regional payouts

SEPA payouts (EUR)
SWIFT payouts
Faster Payments payouts (GBP)
ACH payouts (USD)
Fedwire payouts (USD)
Multi-currency e-wallet payouts
Mass payout and batch API processing
Affiliate and partner commission payouts

Local payouts

India (INR via UPI and IMPS)
Indonesia (IDR via local bank transfer)
Thailand (THB via PromptPay)
Vietnam (VND via local bank)
Philippines (PHP via QR and bank)
Bangladesh (BDT via bKash and Nagad)
Brazil (BRL via PIX)
Mexico (MXN via SPEI)
Colombia (COP via local bank)
South Korea (KRW via bank transfer)
Japan (JPY via local bank)
Hong Kong (HKD via FPS)
Singapore (SGD via PayNow)
Australia (AUD via PayID)
South Africa (ZAR via bank transfer)
Kenya (KES via M-Pesa)
Turkey (TRY via local bank)

FX and treasury

Real-time FX conversion
OTC FX
Forward contracts
Multi-currency wallet
Emerging-market FX
Corporate treasury services

09Payment orchestration

The operating layer that brings multiple payment routes into a single customer and reporting experience.

Orchestration capabilities

Smart routing and auto-failover
MEA payment orchestration
Fraud prevention and 3DS2
3D Secure 2.0 authentication
BIN routing
Unified dashboard and reporting
Single API integration
Localized checkout
Subscription and recurring billing
Network tokenization
Stored credentials
Marketplace and platform payments
Split payments
Multi-seller payouts
Embedded payment infrastructure

The INOAF difference

A senior relationship across the entire mandate.

The person who understands the brief remains close to the work. Context is carried forward, conversations are prepared properly, and every connection has a clear reason to exist.

How a mandate moves

A direct line

Let’s shape the right infrastructure around your ambition.

Start a
conversation

Infrastructure,made personal.

Each part matters.The value is in howthey work together.