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In a textile shop in an old covered market, the shopkeeper holds a HawaPay card reader in his palm as his customer taps her card on it

Enabling Syria’s businesses through banking services.

Take cards on the phone you already own, with the reader included.

Get early accessHow a sale works

We are on a mission to bring financial freedom to every person and merchant in Syria.Because access is not a privilege, it is a right.

What we offer

SmartPOS: every card, on the phone you already own.

Our first product, in two forms.

  1. 01

    mPOS

    The reader with your phone

    A small reader paired with your phone takes every card, swiped, inserted or tapped.

  2. 02

    SoftPOS

    Your phone on its own

    Your phone takes a contactless card with a tap, with nothing else on the counter.

How it works

A sale takes three steps.

SmartPOS: a small reader paired with your phone, or your phone on its own. Every card, swiped, inserted or tapped.

  1. Step 1Open HawaPay on your phone, type the amount.Your own phone, signed in to your account.
  2. Step 2The customer swipes, inserts or taps.The reader is paired with the HawaPay app on your phone, and takes the payment.
  3. Step 3The payment is confirmed, and the money settles to your account.Your own account, at your own bank or wallet.

What you get

Everything the counter needs.

The reader

Every card, whichever way it comes.

Swipe, chip or tap. A small reader, paired with the HawaPay app on your phone.

A phone carrying the HawaPay mark beside a lime counter card reading Tap to pay here

Your money

Straight to your account.

Every sale settles to your own account, at your own bank or wallet.

Your day

Know the day as it happens.

Every sale as it lands, the day's total at a glance, and a report you can send to your accountant.

A card held to the back of a phone across a shop counter
A street of small shops at the end of the day, two of them hanging the HawaPay sign, Cards accepted here
A grocer sets out crates of oranges and tomatoes in front of his shop in the morning light

Why now

The card rails came back. The card machines did not.

Cards came back to Syria in 2026, and in August the Central Bank opened licensing for payment companies. The market, in three numbers.

  1. 461,000trading businesses in Syria.
  2. Over 94%of retail payments made in cash.
  3. About 4,200card machines in the national network when it launched, for the whole country.
Sources

Businesses: the SME Development Authority and the Central Bureau of Statistics, via Al Watan, 23 November 2023. Cash: Enab Baladi, 30 August 2026, quoting Dr Mahmoud Abdulkarim. Machines: Paymera’s own figure at its May 2026 launch, via Enab Baladi, 10 May 2026. Cards: the Central Bank’s decision of 4 May 2026, Decision 1124 of 18 August 2026, and the first live transactions as announced by Visa and by Mastercard with QNB Group.

A covered souk in the morning light as the shopkeepers open up, one rolling up his shutter

Early access

Bring the counter with you.

We are signing up the first businesses now. We will call you before we open.

Phone or email, whichever suits you. One is enough.

Or write to [email protected]