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InstaPay

Country: Egypt (EG)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 65%

InstaPay is Egypt's national real-time Instant Payment Network (IPN) operated by the Central Bank of Egypt, facilitating 24/7 instant interbank fund transfers.

🔄 User Payment Flow

  1. Customer selects InstaPay at merchant checkout
  2. Checkout opens InstaPay mobile app or presents InstaPay QR code / IPA address
  3. Customer verifies transaction details and inputs 6-digit InstaPay PIN
  4. InstaPay clears funds in real time across interbank network and returns status to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway to request InstaPay session
  • PSP issues payment token and InstaPay QR / deep link
  • PSP receives EBC IPN instant clearing callback and updates merchant order status