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Payments, reimagined for every business
Malaleem unifies payments, communications, AI automation, and collaborative documents into one cross-platform ecosystem — with zero MDR for micro-merchants.
Malaleem vs. legacy providers
The same money, far less of it lost
Our digital-first architecture and local agent network cut out intermediary SWIFT banks and heavy retail overhead — delivering massive savings to consumers and businesses.
| Service category | Malaleem Recommended Best value | Money Agents Western Union · MoneyGram · Ria | Retail Banks Wire / SWIFT transfers |
|---|---|---|---|
| Wallet / Account transfers | FREE – 0.5% | Not applicable | $30 – $50 flat |
| Payment Link / Online | 0.5% indiv · 1.9% + $0.20 biz | 2.5% – 4.0% | 3.0% – 5.0% + setup |
| Cash Pickup | 1.5% – 2.5% · zero FX games | 3.5% – 6.0% + FX markup | Not offered |
| Bill Pay | $1.00 – $1.50 flat | $2.00 – $5.00 flat | Free – $2.00 (partners only) |
| Contactless / POS / NFC | 1.0% – 1.5% · SoftPOS | Not offered | 1.8% – 3.5% + $0.15 + lease |
| Hidden intermediary fees | $0.00 — transparent | Variable FX hits | $15 – $50 per hop |
No FX markup deception
Mid-market exchange rates and a single, predictable platform fee — never margin hidden inside the rate.
Hardwareless point of sale
Phone-to-Phone and QR pay at 1.0–1.3% cut merchant terminal costs in half. Any smartphone becomes a register.
Instant liquidity for agents
Funds settle into the agency balance the millisecond a QR is scanned — no multi-day waits, no large cash floats.
Included with every account
Extra perks, zero extra cost
Malaleem isn't just payments — it's a real-time communications suite built right in. No add-ons, no upgrades, no per-seat fees.
In-app free phone calls
Crystal-clear WebRTC voice between any two Malaleem users — unlimited, free forever.
Real-timeHD video conferencing
Multi-party HD meetings with active-speaker zoom, noise cancellation & on-device recording.
Real-time document collaboration
Co-edit documents, sheets and contracts live — every cursor, comment and change in sync.
Real-timeBuilt-in VoIP phone system
A full business phone line in your dashboard — dial real numbers, no separate provider.
Free live chat
Real-time messaging, support threads and a shared inbox baked into every account.
Real-time helpdesk
Live support tickets with instant agent replies, screen share and call escalation built in.
Real-time exchange rates
Live mid-market FX streamed straight to your wallet — transparent, never marked up.
Real-time notifications
Instant alerts the moment money moves, a sale lands, or a meeting begins.
Screen share & co-browse
Share your screen inside any call for support, demos and live collaboration.
Instant everything
Balances, presence and settlement update live the instant a QR is scanned — no refresh.
AI-native platform
Intelligence built into every layer
Malaleem was designed AI-first — not bolted on. Every payment, message and document is understood, automated and optimised by AI working quietly in the background.
Your money, with a mind of its own
Name your own agents, talk to your wallet, and let Malaleem turn raw data into decisions — in real time.
Named AI payment agents
Create and name your own agents that send money, pay bills and move funds — by voice or on a schedule.
Voice-driven banking
Talk to your assistant to check balances, transfer money and pull insights, completely hands-free.
Cognitive intelligence engine
LLM-powered BI turns raw transactions into board-ready reports and one-click document & sheet exports.
Document AI
Scan checks, invoices and receipts — data is extracted, categorised and reconciled automatically.
Conversational commerce
Ask your agent to shop, compare and buy — it completes the entire checkout on your behalf.
Expense & budgeting agents
AI categorises every expense, flags overspend and forecasts your cashflow in real time.
Fraud & risk intelligence
Real-time anomaly scoring inspects every transaction and stops suspicious activity before it settles.
Meeting intelligence
Live transcription, instant summaries and action items captured automatically from every video call.
$248,910.42
QR
$92,140
NFC / Tap
$71,002
Remittance
$85,768
Powering payments across every rail
One platform. Every payment.
Everything your business needs to move money
From a corner shop's first QR code to an enterprise's cross-border payroll, Malaleem scales with you.
Omnichannel
Accept any payment
NFC tap, dynamic & static QR, payment links, wallet transfers, and Tap-to-Phone — accept money any way your customers want to pay.
Global
Cross-border remittance
Send money in 30+ currencies with cash pickup, bank delivery, and mobile wallets — settled fast.
AI-Native
AI payment agents
Name your own agents to automate transfers by voice and turn meetings into structured notes.
Collaborate
Live document signing
Draft invoices & B2B contracts together in real time with track changes and cryptographic e-signatures.
Hardware
Goroosh Terminal
Dual-confirmation receipts pushed to merchant and customer at the very same moment.
30+
Currencies supported
0%
MDR for micro-merchants
6
Platforms (web→watch)
99.99%
Uptime SLA
One dashboard for every payment
See your whole business at a glance
Spend, cashflow, payouts, and AI insights — unified in real time across every payment rail.
Spend trend
Top spenders
Transaction complete
$72.08
Supermart • Company lunches
Works with the rails and tools you already use
Payments are just the start.
Everything you need to move money and eliminate manual work — in one platform.
Smart cards
Spend smart globally with powerful virtual & corporate cards and built-in controls.
AI expense control
Use AI to automate approvals and expense reports. Track every payment in real time.
Cross-border remittance
Move money to 30+ currencies with cash pickup, bank delivery, and mobile wallets.
Bill & invoice pay
Save time with AI-powered invoice capture and payment automation.
Wallet & treasury
Save, spend, and grow multi-currency balances — from day one.
Accept contactless payments with only your smartphone
Tap to PhoneTrusted by teams everywhere
Built for businesses like yours
Lagos Retail runs QR, remittance, and AI agents on one Malaleem account
"We replaced four vendors with Malaleem. Everything our finance team needs lives in one place.
Operating account
$12,340,111.89
MercadoYa equips street vendors with Tap to Phone in a single day
"Tap-to-Phone got our vendors accepting cards in a day. Zero MDR made it a no-brainer.
Daily volume
$248,910.42
Najm Pharmacies ended payment disputes with Goroosh dual-confirmation receipts
"The dual-confirmation receipts ended every payment dispute we used to have.
Settled today
$85,768.50
Atlas Freight automates cross-border payouts to 30+ currencies
"Cross-border payroll that used to take days now settles in minutes.
FX wallet
$4,902,330.00
1.3M+
Merchants & customers onboard
$90B+
Processed across every rail
30+
Currencies, settled fast
Why Malaleem
A payments partner that gives back
Zero MDR micro-merchants
Fundamental micro-merchant interactions carry zero merchant discount rate — keep every cent.
Bank-grade security
Field-level encryption, multi-factor auth, and real-time fraud detection on every transaction.
Works on every device
Web, tablet, mobile, and smartwatch apps — your business runs everywhere, online or offline.
For the planet
We pledge 1% of platform revenue to climate and financial-inclusion initiatives.
Connect your daily tools automatically
See full integrations listBuilt for scale
Enterprise-grade, from day one
Bank-grade security
Field-level encryption, multi-factor auth, real-time fraud detection, and cross-device login alerts.
Zero MDR micro-merchants
Fundamental micro-merchant interactions carry zero merchant discount rate — keep every cent.
Every device
Web, tablet, mobile, and smartwatch apps — your business runs everywhere, online or offline.
Built-in calling
Free in-app audio, paid VoIP & video, screen sharing and recording — without leaving Malaleem.
Loved by merchants
Businesses run better on Malaleem
"We replaced four vendors with Malaleem. QR, remittance, contracts, and our AI agent all live in one place."
Amara Okafor
CFO, Lagos Retail Group
"Tap-to-Phone got our street vendors accepting cards in a day. Zero MDR made it a no-brainer."
Diego Morales
Founder, MercadoYa
"The Goroosh terminal's dual-confirmation receipts ended every payment dispute we used to have."
Sara Haddad
Ops Lead, Najm Pharmacies
Pricing
Transparent fees, built for scale
High-volume, low-margin digital transactions — plus a shared-revenue model that keeps our agent network motivated. No hidden FX markups, ever.
For individuals
Friction-free, competitive pricing for everyday money.
| Service | Malaleem fee | Details |
|---|---|---|
| Transfer via Payment Link | 0.5% | Min $0.50 · Max $5.00 · Sender pays. Free when funded directly from a bank (ACH/EFT). |
| Wallet to Wallet | Free | Instant peer-to-peer transfers. $0.00, always — built to grow the network. |
| Bill Pay | $1.00–$1.50 | Flat fee per bill. Free or subsidized with partnered utility companies. |
| Cash Pickup | 1.5%–2.5% | Includes the agent's payout — collect cash at any Malaleem agency. |
For businesses
Tiered by rails — digital, SoftPOS and physical hardware.
| Service | Malaleem fee | Details |
|---|---|---|
| Payment Link | 1.9% + $0.20 | Card processing. Lower to 0.5% for wallet funding. |
| Wallet to Wallet | 0.2% | Max $5.00 per transaction · Payroll & supply-chain payouts. |
| Bill Pay (Bulk / B2B) | $0.50–$1.00 | Per processed bill · Decreases as monthly volume increases. |
| Cash Pickup (Payouts) | 1.2%–1.8% | Disburse to field agents, unbanked contractors & gig workers. |
| Payment Terminals (POS) | 1.5% + $0.10 | Per tap/dip · Hardware $150–$300 one-time (lease or buy). |
| Phone to Phone (SoftPOS) | 1.3% + $0.05 | Turn any Android/iOS NFC phone into a register — no hardware. |
| NFC / QR Code Pay | 1.0% | Flat per transaction · Bypasses major card network rails. |
| RFID Pay | 1.5% | Flat · Event-based & automated inventory payments. |
| Gift Cards Pay | 1.0% | Per redemption · Internal ledger processing. |
| Prepaid Card Pay | 1.5% + $0.10 | Closed/open-loop cards · Issuance supplement $2–$5 per card. |
| Virtual Credit Cards | 0.5% | On spend or interchange share · Free to generate for premium clients. |
| Smart Watch Pay | 1.0%–1.5% | Tokenized wallet · Depends on SoftPOS vs. standard terminal. |
Cash Pickup, fairly split
On a 2.0% total fee, every party is rewarded instantly on the ledger.
Get the app
Malaleem, on every device you own
One account, everywhere — from your phone and watch to POS terminals and kiosks. Download the native app for your operating system.
Mobile apps
6Tablet apps
4Watch apps
2POS apps
2Payment terminal apps
2Kiosk apps
2Ready to get started?
Create your account in minutes. No setup fees, no surprises.