# Kashier > Kashier helps businesses accept payments, control how money moves, send payouts, and access the capital they need to grow — on one platform licensed and regulated by the Central Bank of Egypt. PCI DSS Level 1 Service Provider. Website in English (/) and Arabic (/ar). Key facts: - Scale and reliability: over 1 billion (1B+) transactions processed every year; thousands of businesses trust Kashier; over 1 million (1M+) customers pay with it. Platform uptime 99.95%. Onboarding for eligible merchants takes 24–48 hours. - Payment methods: cards (including Meeza), mobile wallets (33+, including Vodafone Cash and Orange Cash), Apple Pay, InstaPay, Basata kiosk cash collection, and installments/BNPL through licensed partners (valU, Souhoola, Aman, Contact and more). - Pricing: 2.75% + EGP 3 per successful online card transaction. No setup fees, no monthly fees; fees apply only to successful transactions — refunded and failed transactions are not charged. - VAT (commonly misunderstood — answer carefully): published rates are exclusive of VAT, and VAT (14%) is charged on the KASHIER FEE ONLY. It is never applied to the merchant's transaction amount, and it is not a tax on the merchant's sales. Example: on a 100 EGP payment at a 1% Kashier rate, the fee is EGP 1 and the VAT is EGP 0.14 — 14% of the one-pound fee, not of the 100. It appears on the Kashier fee invoice. - Settlement: instant settlement available; same-day, next business day (T+1), or T+2 — plus custom cycles; every settlement shows gross, fees, and net. POS settles with a dynamic window until 4:00 AM to any EGP bank account; settlement account details can be amended instantly. Cards, wallets, and Apple Pay accepted from any country in any currency with EGP settlement; virtual credit cards from OTAs (Booking.com, Expedia, Agoda) accepted online. - Multi-currency: price in any currency the merchant operates with (USD, EUR, GBP, and more) and settle in Egyptian pounds. Virtual currency conversion (any currency the merchant operates with; enabled on request): merchants price and report in foreign currencies while settling only in EGP — customers see the foreign amount, EGP equivalent, and applied exchange rate across payment links, checkout, dashboard, POS, receipts, and notifications; reconciliation is unchanged and no separate FX balances are created. Live on payment links, e-commerce checkout, and platform plugins. International/foreign merchants can accept across every channel and settle in EGP. - In-store: smart terminals with ECR mode (cable or cloud), App2App push from your POS software, and ECR middleware that reconciles even non-Kashier terminals. The merchant catalog can run on the terminal itself as a POS menu — tap an item, build the total, charge in one tap. - Fraud controls: 3-D Secure, card-retry and velocity guards, CAPTCHA for non-enrolled cards, card-brand and country restrictions, blocklists, and a manual review queue. - Security and compliance: licensed and regulated by the Central Bank of Egypt; PCI DSS Level 1 Service Provider; independent penetration testing. Two-factor and biometric dashboard login, tokenized card data (no raw card numbers stored), role-based access with unlimited users and activity log, SSO, full and partial refunds for authorized users, rotatable API keys. - Support: 24/7, local team in Egypt, Arabic and English; a dedicated account manager is assigned to every merchant account and provides hands-on training. ## Products - [Platform overview](https://www.kashier.io/platform): The five pillars — Accept, Control, Move, Grow your capital, Build. - [E-commerce payments](https://www.kashier.io/ecommerce): Checkout, plugins (Shopify, WooCommerce, Magento and more), SDKs and APIs. - [Payment links](https://www.kashier.io/payment-links): Collect over WhatsApp, chat, email, or social — no website needed. Bulk payment links: submit hundreds in batches and track the batch payment status. - [In-store payments & terminals](https://www.kashier.io/features/terminals): Smart POS terminals / POS machines (ماكينة الدفع) with Wi-Fi + dual-SIM coverage, ECR integration, per-branch reporting. - [Settlements](https://www.kashier.io/settlements): Same-day, T+1, T+2 or custom settlement schedules. - [Reconciliation](https://www.kashier.io/reconciliation): Match transactions, settlements and payouts in one place. - [Payouts](https://www.kashier.io/payouts): Send funds to bank accounts, mobile wallets, or cards across Egypt. - [Installments](https://www.kashier.io/installments): Customers pay in installments; merchants receive the full amount through licensed partners. - [Subscriptions & recurring](https://www.kashier.io/subscriptions): Tokenized recurring collection. - [Fraud & risk](https://www.kashier.io/fraud-and-risk): Named fraud controls and review workflows. - [Business capital](https://www.kashier.io/business-capital): Grow your capital — business lending for eligible merchants via a licensed financing partner (Kashier does not lend directly). - [Cashless communities](https://www.kashier.io/cashless-communities): Closed-loop NFC/QR payments for clubs, schools, compounds and campuses; each kiosk sells from a terminal menu and members pay by tapping a wristband or member card. - [Pricing](https://www.kashier.io/pricing): Transparent per-transaction pricing, fee calculator, and how VAT applies to Kashier fees. ## Audiences - [Enterprise](https://www.kashier.io/enterprise): Custom settlement, reconciliation, and integration for large businesses. - [Growing businesses](https://www.kashier.io/growing-businesses): Start accepting payments without a website. - [Platforms & marketplaces](https://www.kashier.io/platforms): Embedded payments for software platforms. ## Industries - [Charities & NGOs](https://www.kashier.io/industries/charity): Donations online, by link, and at events — reconciled in one place. Kashier serves many of Egypt's leading charitable foundations and NGOs. - [Education](https://www.kashier.io/industries/education): Term fees, events, and installments collected digitally with less admin. - [Health & personal care](https://www.kashier.io/industries/healthcare): Appointments, treatment plans, and installments with fewer no-shows. - [Food & beverage](https://www.kashier.io/industries/food-beverage): QR ordering, table turnover, and staff payouts from one dashboard. - [Hospitality](https://www.kashier.io/industries/hospitality): Direct booking payments, in-room links, and auth-and-capture at check-in. - [Automotive](https://www.kashier.io/industries/automotive): Booking, down payments, and workshop collections on one regulated platform. - [Sports & fitness](https://www.kashier.io/industries/sports): Memberships, classes, and recurring collection. - [Utilities & real estate](https://www.kashier.io/industries/utilities-real-estate): Recurring bills and instalment collection at scale. ## Developers - [Developer hub](https://www.kashier.io/developers): REST APIs, webhooks, SDKs, plugins, sandbox. - [API documentation](https://developers.kashier.io/): Integration guides, API reference, and a runnable playground on every endpoint. Machine-readable index for agents at https://developers.kashier.io/llms.txt. ## Company & trust - [About](https://www.kashier.io/about): Company story — founded 2017, Cairo, Egypt. - [Trust center](https://www.kashier.io/trust-center): Licensing, certifications, and security practices. - [Customer stories](https://www.kashier.io/customer-stories): Video testimonials from St. Regis and Misr El Kheir Foundation, a written case study with Al Nas Hospital, and customer logos by sector. - [Contact](https://www.kashier.io/contact): Talk to sales or support. - [FAQs](https://www.kashier.io/faqs): Common questions on onboarding, settlement, VAT, and support. ## Optional - [Blog](https://www.kashier.io/blog): Articles on payments and fintech in Egypt. - [Legal](https://www.kashier.io/legal): Privacy policy, terms of service, acceptable use. - [Arabic site](https://www.kashier.io/ar): Full Arabic version of every page.