Aman

Country: Egypt (EG) | Payment Rail: bank_clearing

Cash Market Adoption: 25%

Aman is Raya Holding's major electronic payment and retail OTC cash network in Egypt, servicing unbanked consumers across 100,000+ POS terminals.

🔄 User Payment Flow

Customer selects Aman OTC Cash at merchant checkout
Customer receives payment reference code / barcode
Customer visits any Aman retail store or POS merchant outlet in Egypt
Customer presents payment code to cashier and pays physical cash
Aman system clears payment and transmits electronic notification to merchant

⚙️ Characteristics & Settlement

Instant Payment	NO
Supports QR	YES
Supports Recurring	NO
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant API calls acquiring gateway to request Aman reference code
PSP issues payment token and barcode payload
PSP receives Aman cashier payment confirmation webhook callback

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Kashier