Merchant

QR Code Payments

Enables customers to quickly and securely pay by scanning a QR code.

Request to Pay (RTP)

Allows merchants to send payment requests directly to customers.

Secure Callback Notifications

Transaction results are sent to merchants via signed callback notifications.

Flexible Integration

The protocol can be used with various eCommerce platforms and custom systems.

Instant payment services are replacing card payments

Lower fees — up to 2x less
Instant fund transfers
Backed by national banks

Accessible Instant Payment System

Finergy

offers a platform for accepting instant payments.

Banks

purchase it and offer it to businesses

Merchants

use it to receive instant payments

Why Instant Payments?

Instant Payments are transforming how businesses get paid. Here’s why adopting MiaPOS and the Instant Payments system can give your business an edge

Lightning-Fast Funds

Receive customer payments within seconds, not days. Money moves directly from the buyer’s bank account to yours almost immediately . No more waiting 2-3 days for card payments to clear – you can access your funds in as little as 10 seconds, improving your cash flow and liquidity from day one.
Simple & Convenient

Make paying effortless for your customers and staff. With instant payments, there’s no need to fumble with cash or card machines – a quick scan of a QR code and the payment is done. This speedy, contactless process means shorter lines and happier customers. It’s a modern checkout experience that builds loyalty and keeps shoppers coming back.
Lower Transaction Costs

Enjoy significant savings on payment processing. Instant payments via Instant Payments carry transaction fees as low as 0.8%, compared to the 2-3% typically charged for card payments . Over time, those savings boost your profit margin. You get paid faster and keep more of each sale – a win-win for your business.
24/7 Availability

Never miss a sale due to “bank hours.” The instant payment network operates 24/7, 365 days a year, so you can accept payments anytime – late nights, weekends, holidays. Funds are deposited immediately, even outside traditional banking hours. Your business is always open for revenue.
Secure & Reliable

Each payment is authorized through customers’ trusted banking apps and protected by bank-grade security. No sensitive card numbers are exchanged, reducing fraud risk. Transactions are irrevocable once confirmed, giving you certainty that once you’re paid, the money is yours. It’s as secure as a bank transfer, but lightning-fast and hassle-free.

Speed of Settlement

Funds in your account within seconds

Funds settle after 1-3 days

Transaction fee

0.8% fee (low flat rate)

2-3% fee (higher cost)

Availability

24/7 real-time processing
(always on)

Batch processing on banking days

Hardware Needed

Just a smartphone or POS with camera (QR code)

Card terminal / device required

Customer Steps

Open banking app and scan QR - done

Swipe/insert card, enter PIN , wait

Flexible Payment Solutions for Your Business

Static QR

Your clients will be able to scan and pay for goods or services in seconds using the QR-code from MIA. You don’t need additional equipment. Just show your QR.

Dynamic QR

You can generate the QR for a certain period of time. Your costumers will scan it and pay for the services within the time period.

Hybrid QR

Display QR at cash registered. Your costumer will scan and pay for the goods

NFC Payments

This is an additional feature of MiaPOS that simplifies the payment process. The client only needs to tap their phone on the terminal to initiate the payment, without having to scan a QR code or choose a banking app. This scenario makes the process faster and more intuitive.

PayByLink

This feature allows you to send a payment link to a client if they are unable to scan a QR code. By following the link, the client is directed to a ready-made payment flow where they can complete the transaction. This solution provides flexibility for remote sales and distance payments.

Request-to-Pay

A solution that allows you to send direct payment requests to clients. The client receives a notification in their mobile app and can immediately confirm the transfer. This is a convenient option for recurring payments (such as utility bills), online purchases, or order prepayments. Request-to-Pay tools are available both in the Merchant Portal and via API and plugins.

MiaPOS in Action

How instant payments acquiring is working

Customer Initiates Payment

At checkout, the customer chooses to pay via instant transfer. They open their mobile banking app (from any major bank) and scan your unique MiaPOS QR code on display, or they can enter your business’ phone number linked to Instant Payments. No cards or cash – just a quick scan on their smartphone.
Real-Time Transfer

The customer confirms the payment in their banking app. Immediately, the funds are transferred through the instant payment network from the customer’s account to your business account. This happens in seconds, thanks to Instant Payments's 24/7 real-time infrastructure . There are no intermediaries holding your money – the payment goes straight to you, and MiaPOS records the transaction instantly.
Instant Confirmation

Within moments, both parties receive confirmation. The customer sees a success message in their app, and your MiaPOS merchant app notifies you that the payment is received (no pending status!). In under 10 seconds, the sale is complete and the money is yours . You can even issue a digital receipt on the spot. The result? A smooth, near-instant transaction that saves time for everyone.

The All-in-One Instant Payment Solution

MiaPOS is more than just a payment app – it’s a complete platform by Finergy designed to make instant payments easy for any business. Here’s an overview of what MiaPOS offers and how it works for you

Quick Setup, No Extra Hardware

Getting started is simple. MiaPOS is a mobile application that you can install on any Android SmartPOS device or smartphone. There’s no need to buy expensive card terminals – if you have a phone or tablet, you’re ready to accept payments. The app generates a QR code for each transaction (or you can use a static QR for your business) so customers can pay you in one scan. It’s plug-and-play for payments.
User-Friendly Payment App

MiaPOS’s interface is designed for busy shop owners and staff. Just enter the sale amount, show the QR code to the customer, and watch payments flow in instantly. The process is intuitive and fast for both the client and the merchant – no training required. If you’re a café, boutique, or taxi service, your team can start using MiaPOS in minutes. And for your customers, it’s equally easy and familiar (since they use their own banking app to pay).
Real-Time Dashboard & Control

Alongside the mobile app, MiaPOS gives you access to a modern management dashboard to monitor all your transactions and terminals in real time . From this online portal, you can track daily sales, download reports, and get insights into your revenue. Manage multiple payment points (multiple devices or store locations) from one place – ideal for growing businesses. You’ll have full visibility and control over your payment operations 24/7.

Integrated E-commerce Plugins

Do you also sell online? MiaPOS has you covered. Finergy has developed a suite of plugins that seamlessly connect your online store to the instant payment system . With plugins available for popular platforms like WordPress (WooCommerce), OpenCart, CS-Cart and more, you can add an instant pay option to your website with minimal effort. Customers shopping online will be able to pay through Instant Payments just as easily as in-store – scanning a QR code on screen or using a pay-by-link to their banking app. This means you can unify your payment experience across brick-and-mortar and e-commerce channels.
Secure & Compliant

MiaPOS is built with security in mind. Payments are authorized by customers via their own banking apps using PIN or biometric security, and every transaction is encrypted. As a bank-approved solution (launched in partnership with maib, Moldova’s leading bank, and the National Bank’s MIA system), MiaPOS meets all compliance standards for instant transfers. You can trust that each payment is legitimate and final. For bookkeeping, every Instant Payments transaction is transparent and traceable – you can even issue electronic receipts that integrate with Moldova’s fiscal systems (MEV) for tax compliance . Safe, legal, and worry-free payments are a core feature of the platform.
Flexible for Any Business Size

Whether you’re a solo entrepreneur or a large retailer, MiaPOS adapts to your needs. Use it as a standalone payments solution or alongside your existing card terminals. It’s perfect for small businesses looking to go cashless or for big stores seeking to add a faster payment option. Because it’s digital and cloud-based, MiaPOS can scale as you grow – no heavy infrastructure needed. Finergy’s goal is to empower businesses of all sizes to embrace instant payments and “embrace the future of fintech effortlessly” . MiaPOS truly streamlines transactions so you can focus on your business, not on payment logistics.

Our Clients

Trusted by leading banks to power seamless Instant Payments through our advanced platform.

Ready to Embrace Instant Payments?

It’s time to bring your business into the instant payments era. Don’t get left behind with slow transactions or high fees. Boost your sales and streamline your operations with MiaPOS.
Contact Finergy today to see MiaPOS in action

Request a free demo

Our team will walk you through the platform and show you how easily you can start accepting instant payments.

Talk to an expert

Not sure how instant payments fit your business? We’re here to answer your questions. Reach out for a consultation and we’ll explore your use case together.

Get Started

Ready to jump in? We’ll help set you up with MiaPOS and connect your business to the Instant Payments network, so you can start enjoying faster payments immediately.

Start Accepting Instant Payments with MIAPOS

Offer your customers fast, secure, and seamless transactions — get in touch to activate MIAPOS for your business.

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