MelaPay provides a payment gateway and PoS/QR integration systems. Leveraging the app, MelaPay houses various services while providing access to Kifiya’s ecosystem of digitally enabled services, making it easier for individuals to pay for various goods and services.

Some of the significant challenges the digital payment system faces in Ethiopia are that many of the payment systems are bank-owned, operate on a hub and spoke model, target existing customer base and are unable to scale, lack an elaborate agent network, and low integrations due to high costs, marketing gaps, and lack of agent support and management.

MelaPay allows individuals to access different products and services (such as remittance, health insurance, merchant payments, and airtime) in a single mobile application.