Scan the merchant's code
The camera reads an EMVCo merchant-presented code, static or dynamic, and the amount is confirmed before anything moves.
Genies Pay / In the hand / The App
The other side of the counter.
Everything else on this site is what a merchant installs. This is what the customer holds. The GeniesPay App is live and in customers' hands: an account, a wallet, cards, crypto, and a record of every payment — in English and Arabic.
Android & iOS
Multi-currency
Virtual · digital · physical cards
EN · AR
Good eveningLayla
AvailableAED 4,182.60
Cedar GroceryToday · 18:42
− 84.00Top-up · bankToday · 09:10
+ 1,500.00Marina FuelYesterday
− 120.00SendRequestTop upScan
The first five minutes
From a phone number to a card that works.
Onboarding is where consumer payment products are won and lost. This is the whole sequence, in order, with nothing skipped.
-
01
Install and enter a number
The app is on Android and iOS. A one-time code to the phone number starts the account — nothing else is asked for yet.
-
02
Prove who you are
Identity document plus a liveness check. The document is read, the face is matched, and the result is scored. Queries come back in the app, not by email.
-
03
The account opens
A customer record, an account number and the first currency balance. The tier the customer lands in decides the limits that apply.
-
04
A card, immediately
A virtual card is issued against the account and is usable online in the same minute. A physical card can be ordered from the same screen.
-
05
Add the card to the phone
The virtual card is provisioned to the phone's own wallet as a token, so it can be tapped at any contactless terminal.
-
06
First money in
Top up from a card, a bank transfer, an agent, another GeniesPay customer, or a crypto deposit. The balance is spendable when the funds clear.
Paying
Five ways to move money, one record.
Show your own code
The app generates a customer-presented code that lives for twenty seconds and is bound to this device. The same code the Smart POS scans.
Tap the phone
The digital card is provisioned to the phone's wallet as a token. It works at any contactless terminal, not only ours.
Send to a phone number
Transfer to another GeniesPay customer by number. Instant, and reversible only by the recipient sending it back.
Ask to be paid
A request with an amount and a reason, or a bill split across several people, each paying their own share.
Pay on a website
The virtual card, with the CVV revealed behind a biometric check and 3-D Secure approved in the app rather than by SMS.
The record
Every movement, with the reason it happened.
A consumer app is judged on the day something goes wrong. Every entry carries the merchant, the terminal or channel, the original currency, the rate applied if one was, the fee, and the reference the support desk will ask for.
- Search by merchant, amount, date range or card
- Pending versus posted, shown as two states, not one
- The exchange rate and the spread on any converted payment
- A receipt per transaction, shareable as a file
- Statements by month, per balance and per card
- A dispute raised from the transaction itself, with its status tracked
| Field | Value |
|---|---|
| Merchant | Cedar Grocery · Store 3 |
| Channel | Contactless · digital card |
| Charged | AED 84.00 |
| Balance used | AED — no conversion |
| Fee | None |
| Status | Posted · 18:42 |
| Reference | GP-4QX-88213 |
Illustrative. Cedar Grocery is an invented merchant.
Security
The controls the customer can see, and the ones they cannot.
Bound, like the codes are
The app registers the device. The same binding that makes a QR code useless on another phone protects the account: a new device has to be enrolled, and enrolment is visible on the old one.
Biometric, then a PIN behind it
Face or fingerprint unlocks the app and reveals card details. The device passcode is the fallback; a GeniesPay PIN is the fallback to that.
Set by the customer, capped by the tier
Per-transaction and daily caps, per-channel switches, and a freeze that takes effect on the next authorisation, not at the end of the day.
Every device, listed
Which devices are enrolled, when each was last used, and a sign-out that invalidates the token rather than just closing the app.
Two languages, one app
Arabic is not a translation layer.
| Element | English | Arabic |
|---|---|---|
| Direction | Left to right | Right to left — the whole layout mirrors, not just the text |
| Numerals | Western digits | Western or Arabic-Indic digits, by preference |
| Dates | Gregorian | Gregorian or Hijri, by preference |
| Amounts | Symbol before the value | Currency placement follows the locale |
| Receipts | English | Arabic, including the merchant name where the merchant supplied one |
| Support | In-app chat | In-app chat, same queue |
Where it runs
Platforms and the integration pack.
Android and iOS
Phone layouts on both, with tablet layouts on Android. Contactless payment uses each platform's own wallet and token service, so the terminal sees an ordinary tokenised tap.
Versions, entitlements, store listings
Minimum OS versions, the entitlements each platform requires for contactless and biometrics, and the store-listing requirements are in the integration pack — they move with the platforms, so they are not printed here.
Also in the hand
The rest of the app.
Wallet
Balances, five ways in, conversion with the clock, the ledger.
Cards
Virtual, digital and physical, currency cards, and the controls.
Crypto
Accept, hold, spend and settle — with the caveats in place.
And the other half of the site is the counter this money arrives at — Smart POS, QR, the SDKs and attestation.