iibpay — National Payment Modernization & SIPS Unified Switch
Out of the Dark. Into Full Control.
Stop Operating in the Dark
Take absolute visual control over your business numbers. See your daily revenues, historical metrics, and performance charts updated live in a single private control panel.
Eliminate Cashier Skimming
Track every transaction by specific register lanes and individual cashier names. Every checkout clears instantly via verified central bank network webhooks, making staff receipt fraud impossible.
Programmatic Global Settlement
Instantly convert verified domestic counter cash inflows into single-use virtual credit card tokens. Purchase inventory directly from international manufacturing platforms, settle overseas logistics invoices, and handle bonded warehouse fees natively from your secure ledger, optimizing your cross-border supply chain efficiency.
to Complete Payment
Generate a dynamic SOMQR to print the customer slip.
| Time | Source | Protocol | Amount | Status |
|---|---|---|---|---|
| 14:32:08 | Lane 01 · Cashier Farhan | SOMQR Scan | $42.30 | Cleared via Webhook |
| 14:31:47 | Lane 02 · Cashier Leyla | USSD STK Push | $128.50 | Cleared via Webhook |
| 14:31:12 | Lane 03 | SOMQR Scan | $17.80 | Cleared via Webhook |
Built for Somalia. Architected for Pan-Africa.
Our software-first clearing architecture interoperates with continental settlement rails from day one. Zero hardware retrofits required.
Fully integrated with the Pan-African Payment and Settlement System (PAPSS). Our software bypasses legacy offshore correspondent banking networks, enabling real-time, low-fee cross-border B2B clearing directly from the local supermarket register or wholesale counter.
Our asset-light software layer decouples the user interface from the localized banking rail. Expanding our infrastructure to support multi-market trade corridors across Kenya, Ethiopia, and Djibouti requires a zero-hardware backend configuration toggle.
Eliminate the traditional multi-currency friction tax. Merchants can settle regional cross-border invoices instantly inside our unified ledger while we capture optimized treasury spreads natively across regional trade currencies.
One Core Engine. Built for Every Trade Flow.
One SIPS-compliant switch sits underneath three purpose-built front-ends. Pick the trade-flow surface that matches your counter. The clearance engine stays identical.
Release heavy cargo the second the slip prints.
Buy inventory directly from international suppliers and completely eliminate expensive middleman markups. Loading-bay staff scan the smart-slip once and the truck rolls. No phone-text cross-reference. No gatekeeper bottleneck.
Instant Capital Re-Allocation to Global Suppliers.
Buy inventory directly from international suppliers and completely eliminate expensive middleman markups. Provision a virtual procurement card on demand to check out instantly on global marketplaces like Alibaba and Amazon Business, settle foreign agent invoices, or wire bonded warehouse fees. Fully backed by your cleared local balance, with no correspondent bank in the middle.
No active procurement tokens deployed for this trade cycle.
Provision a card to unlock instant global supplier checkout.
The Meaning Behind the Name
In the Somali language, iib is the universal root word for all commerce. It governs the entire economic lifecycle: Iibso means to buy, and Iibi means to sell.
iibpay is built to sit precisely at the intersection of that loop. We are the unified infrastructure platform for buying, selling, and clearing global B2B trade.
Ready to Streamline Your Wholesale Operation?
Join the early cohort of high-volume importers running iibpay's SIPS clearance and on-demand B2B procurement cards in production.