Paybab Technologies builds the infrastructural bridge between banks, businesses and consumers — bringing digital payments to a population where the vast majority currently remain outside the banking system.
Iraq's banks already run on Oracle FLEXCUBE — but there has never been a modern API layer connecting that core banking data to mobile wallets, merchants and government systems. Paybab is that missing layer, translating core banking infrastructure into the real-time rails Iraq's digital economy runs on.
From everyday consumer payments to government billing and microfinance — Paybab provides the rails on which Iraq's digital economy runs.
The direct link between banks and the population. We replace cash with secure, real-time digital payments — the foundation of the core PSP.
Automated direct debits and digital invoicing for government and utility providers, from gas and water to electricity.
Mobile wallets and microfinance open up the market for the majority of Iraqis who currently have no bank account.
Paybab is built by banking-technology veterans with deep experience designing, implementing and integrating Oracle FLEXCUBE architectures — the core banking system used by banks worldwide. We cover the modules required to transform traditional banks and connect them to the modern digital economy.
Seamless handling of everyday consumer accounts, deposits and real-time retail transactions.
Advanced infrastructure for large-scale payments, cash management and complex B2B money flows.
Native support for Sharia-compliant financing and modular banking products tailored to local market needs.
Powerful modules that streamline credit, from large commercial loans to fine-grained microfinance.
Enterprise-grade, ISO 20022-compliant connections that securely link legacy bank systems to our PSP platform.
From national banks to the smallest merchant, Paybab's infrastructure is built to serve every layer of Iraq's economy.
We help traditional banks modernize legacy infrastructure. By connecting banks digitally to the population, we turn cash-driven processes into a secure, efficient, real-time digital ecosystem.
We provide the payment rail for national digitalization. Our e-billing and automated direct-debit systems help governments and utility providers — gas, water, electricity — optimize collection and eliminate administrative losses.
We unlock capital for vital sectors. Our multi-ledger architecture lets institutions and NGOs deliver targeted subsidies and microloans to farmers and SMEs through earmarked digital budgets.
We build the bridge to the consumer. By giving the 81% unbanked population mobile payment tools, we open a vast new digital market for local and international merchants.
Paybab functions as the infrastructural bridge that connects traditional banks digitally to consumers and businesses. Not a consumer brand, but the layer other parties can build on.
We deliver an enterprise-grade payment platform that lets the vast majority of Iraq's population take part in digital payments through mobile solutions — reliable enough for banks, accessible enough for everyone.
This is a temporary page. Our full platform, with detailed information on our services and partners, is coming soon.