Accept and pay out via InstaPay and Fawry in Egypt
Egypt’s payments split between a modern instant rail (InstaPay, 24/7 by mobile or alias) and the unmatched Fawry cash-and-bill network that reaches every neighbourhood. Together they cover banked and unbanked Egyptian customers alike.
InstaPay / Fawry at a glance.
The essentials of Egypt’s payment infrastructure — what it is, who runs it, and how fast money actually moves.
| Rail | InstaPay (IPN) — instant; Fawry — cash/bill network |
| Operator | CBE; Egypt Network; Fawry |
| Clearing | InstaPay seconds; Fawry same-day |
| Availability | InstaPay 24/7/365 |
| Identifiers | Mobile number, alias, Fawry reference code |
| Currency | EGP |
Collecting and paying out.
Both directions of the flow, on one balance.
Pay in · InstaPay / Fawry
Pay-in flow: offer InstaPay prompts for banked customers and Fawry reference payments for cash-preferring ones — the customer pays at any Fawry outlet or via the app. ApeX reconciles both under one stream.
Pay out · InstaPay (IPN)
Payout flow: disburse EGP by InstaPay to mobile/alias in seconds, or via wallets by number — covering suppliers, gig workers and sellers across governorates.
Settle to stablecoin treasury.
Keep your EGP balance for local spend, or convert to USDT / USDC and withdraw on-chain — the corridor where stablecoin settlement usually pays for itself.
One balance, two worlds
Settlement angle: pound volatility makes dollar treasury attractive. Collect EGP and settle to USDT/USDC through documented, screened conversion — the pairing most Egyptian exporters and platforms actually want.
Payout rails covered
InstaPay (IPN), Fawry reference payments, mobile wallets (Vodafone Cash, Orange Money). Disburse from the same balance you collect into — no separate funding wires.
Common questions.
What is Fawry and why does it matter?
Fawry is Egypt’s nationwide bill-payment and cash-collection network — outlets everywhere plus app payments — letting unbanked customers pay e-commerce invoices in cash.
Is InstaPay really 24/7?
Yes — the IPN rail clears instantly around the clock between participating banks and the InstaPay app.
Can I run both banked and cash collection together?
Yes — that is the Egyptian reality; ApeX offers InstaPay and Fawry as one checkout with unified reconciliation.
Every market, one integration.
Collect EGP locally and settle globally — or add any other corridor from the same balance.
Brazil · Pix
Local collections and payouts via Pix — settle to USDT / USDC or fiat.
India · UPI
Local collections and payouts via UPI — settle to USDT / USDC or fiat.
Philippines · GCash / Maya & InstaPay
Local collections and payouts via GCash / Maya & InstaPay — settle to USDT / USDC or fiat.
Indonesia · QRIS
Local collections and payouts via QRIS — settle to USDT / USDC or fiat.
Vietnam · MoMo / ZaloPay / VNPay & NAPAS
Local collections and payouts via MoMo / ZaloPay / VNPay & NAPAS — settle to USDT / USDC or fiat.
Thailand · PromptPay
Local collections and payouts via PromptPay — settle to USDT / USDC or fiat.
Mexico · SPEI
Local collections and payouts via SPEI — settle to USDT / USDC or fiat.
Colombia · PSE & Nequi
Local collections and payouts via PSE & Nequi — settle to USDT / USDC or fiat.
Nigeria · NIP bank transfers
Local collections and payouts via NIP bank transfers — settle to USDT / USDC or fiat.
Pakistan · Raast & JazzCash / Easypaisa
Local collections and payouts via Raast & JazzCash / Easypaisa — settle to USDT / USDC or fiat.
Kenya · M-Pesa
Local collections and payouts via M-Pesa — settle to USDT / USDC or fiat.
Argentina · Transferencias (CVU/alias)
Local collections and payouts via Transferencias (CVU/alias) — settle to USDT / USDC or fiat.
Singapore · PayNow / FAST
Local collections and payouts via PayNow / FAST — settle to USDT / USDC or fiat.
Malaysia · DuitNow / FPX
Local collections and payouts via DuitNow / FPX — settle to USDT / USDC or fiat.
Hong Kong SAR · FPS (Faster Payment System)
Local collections and payouts via FPS (Faster Payment System) — settle to USDT / USDC or fiat.
China · Alipay / WeChat Pay (cross-border)
Local collections and payouts via Alipay / WeChat Pay (cross-border) — settle to USDT / USDC or fiat.
United Kingdom · Faster Payments / Open Banking
Local collections and payouts via Faster Payments / Open Banking — settle to USDT / USDC or fiat.
European Union / SEPA · SEPA Credit Transfer & SCT Inst
Local collections and payouts via SEPA Credit Transfer & SCT Inst — settle to USDT / USDC or fiat.
United States · ACH / RTP / FedNow
Local collections and payouts via ACH / RTP / FedNow — settle to USDT / USDC or fiat.
Australia · NPP (PayID / Osko)
Local collections and payouts via NPP (PayID / Osko) — settle to USDT / USDC or fiat.
Bangladesh · bKash / Nagad (MFS)
Local collections and payouts via bKash / Nagad (MFS) — settle to USDT / USDC or fiat.
Ghana · MTN MoMo / Telecel Cash
Local collections and payouts via MTN MoMo / Telecel Cash — settle to USDT / USDC or fiat.
South Africa · PayShap / Ozow (pay-by-bank)
Local collections and payouts via PayShap / Ozow (pay-by-bank) — settle to USDT / USDC or fiat.