Pole 2 — Our historic core business

Payments &
Fintech

Led by a former Program Manager of a prepaid bank Visa card, Melakah International designs, deploys and commercializes turnkey payment solutions: technical, commercial, field execution — and bank lobbying for your expansion across the entire sub-region.

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18+
Years of payments expertise
60+
Payment & IT projects advised
5
Card projects directly led
8+
WAEMU countries covered
100%
Turnkey: tech + commercial
🎴

From former prepaid Visa card Program Manager to your regional payments partner

Our founder personally led the Abidjan.net prepaid Visa card project in partnership with NSIA Banque — from technical design to setting up the distribution network, including day-to-day management of the call center, reseller accounts and a portfolio of VVIP key accounts alongside numerous individual customers. This direct experience now lets us lobby with banks, connect you with the right partners and advise you on your expansion across the entire WAEMU sub-region.

Mobile payment fintech West Africa
Our Expertise

Lived expertise, not theory

Most firms advise on payments from the outside. Melakah International has practiced it from the inside: POS terminal deployment, acceptance network management, salary card top-ups, and setting up call centers recognized as best-in-class.

This dual skill set — technical and commercial — lets us support any organization looking to launch, fix or grow a payments project, without having to multiply external providers.

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Our Promise

A 360° turnkey payments solution

Unlike a traditional consulting firm, we cover the entire value chain of your payments project — from technical design to field execution, including opening doors with banks for your expansion across the sub-region.

Pillar 01 — Technical

🔧 Design & Structuring

  • Specifications for the payment product (card, mobile money, wallet)
  • Selection and coordination of technical partners (processor, issuer, Visa/Mastercard network)
  • Configuration of limits, profiles and card management rules
  • Compliance with the BCEAO / WAEMU regulatory framework
  • Integration of POS terminals and payment devices (direct experience with Pax, Thales GIM-WAEMU)
Pillar 02 — Commercial

📣 Launch & Commercialization

  • Go-to-market strategy and pricing positioning
  • Recruitment and training of the distribution and reseller network
  • Acquisition and activation of the merchant acceptance network
  • Loyalty programs and launch offers
  • Commercial steering, volume targets and reporting
Pillar 03 — Field

🚀 Operations & Support

  • Setting up dedicated sales and top-up branches
  • Day-to-day management of reseller accounts and salary cards
  • Personalized follow-up of VVIP key accounts and individual customer portfolios
  • Call center and customer support (reference: best service of the Weblogy group)
  • Technical assistance for cardholders and merchants
  • Performance tracking and continuous optimization of the system
Pillar 04 — Lobbying & Network

🤝 Introductions & Regional Expansion

  • Lobbying and advocacy with banks and financial institutions across the sub-region
  • Identification and introduction to the right payment partners (issuers, processors, networks)
  • Opening doors through our banking network built over 18 years
  • Strategic advice to structure your expansion across the entire WAEMU
  • Support in negotiations and multi-country regulatory compliance
Track Record

Real payment projects, not textbook case studies

A selection of systems personally led by our founder over the past 18 years.

Visa
Abidjan.net prepaid card with NSIA Banque
BH FREE
GIM-WAEMU prepaid card — BHCI
CAHXPRESS
Prepaid Visa card — Ecobank CI
AFRICARDS
Prepaid Visa card UBA — CI & Senegal
🏦 NSIA Banque 🏦 BHCI 🏦 Ecobank CI 🏦 UBA Burkina 💳 GIM UEMOA 🖥️ TPE Thalès 🖥️ TPE Pax 📮 La Poste CI
Our Services

What we concretely do for you

💳

Creation and development of payment projects from A to Z

From technical design to market launch, we structure your card or electronic payment project without any disconnect between teams.

🎴

Prepaid and co-branded cards

Development and commercialization of prepaid cards (gift cards, salary cards, travel cards, affinity cards) tailored to your target audience.

🖥️

Deployment of payment terminals (POS)

Installation, configuration and maintenance of Thales, Pax and other GIM-WAEMU terminal solutions, with direct field experience.

🏆

Loyalty programs

Design and deployment of loyalty programs linked to cards or mobile apps to retain your customers.

🏪

Merchant network acquisition and activation

Recruitment, training and activation of a network of accepting merchants to maximize the use of your solutions.

📞

Setting up call centers and customer support

Structuring a high-performing payments customer service, modeled on the call center recognized as the Weblogy group's best service.

📊

Market research and payments intelligence

Local market analysis, mapping of players, benchmarks and strategic recommendations for your investment decisions.

🏦

Support for banks, microfinance institutions and fintechs

Strategic and operational support for financial institutions looking to launch or grow their payments offering.

📱

Sale, management and top-up of payment products

Field distribution and day-to-day management of reseller accounts and salary cards through our commercial network in Cote d'Ivoire and the WAEMU.

🤝

Lobbying and introductions to banks

Thanks to our banking network built over 18 years, we open doors at financial institutions and identify the payment partners best suited to your project.

🌍

Advice for regional expansion in the WAEMU

Strategic support to structure the rollout of your payment solution across the entire sub-region: local partners, multi-country compliance, negotiations.

Our Process

How we work

The same process used to run real bank card projects, put at the service of your organization.

1

Audit & Diagnosis

Analysis of your context, your target audience and the local payments market to define the right technical and commercial positioning.

2

Design

Project structuring, choice of technical partners, business model and BCEAO regulatory framework.

3

Deployment

Market launch, network recruitment, POS terminal installation, team training and field commercial activation.

4

Steering & Support

Call center, account management, KPI tracking and continuous performance optimization.

We work for

Our target clients & partners

🏦

Commercial banks

Prepaid card ranges, payment portfolio optimization, loyalty programs and merchant acquisition — as we did for NSIA, BHCI or Ecobank.

🤝

Microfinance & MFIs

Digitalization of financial services, prepaid cards for members, collection and disbursement solutions.

📱

Fintechs

Go-to-market in Cote d'Ivoire, acceptance network development, user acquisition and banking partners.

🏢

Large enterprises

Salary cards, customer loyalty programs, B2B payment solutions and business expense management.

🚀

Project leaders

End-to-end support to launch a new payment product, from idea to operational market launch.

🌍

International players

Entry into the Ivorian and WAEMU market, identification of local partners, approval and technical deployment.

Take action

A payments project to launch
or fix in Cote d'Ivoire?

Entrust your project to a team that has already run bank cards in the field — not just on paper.