SearchFind pay

Find the merchant near you and pay instantly.
No QR code. No POS. No account numbers.

Powered by

Introducing

Air pay?

Air pay is a proximity payment service inside mobile banking apps and wallets. Customers see the verified merchants around them, nearest first, and pay in a tap.

Find nearby merchants
Search starts from the merchants closest to you.
Pay instantly
Money settles into the merchant account in real time.
No QR. No POS.
No account number. No phone number.
Nothing to scan, print, install or type in.

02

Integratable

Plugs intoAny app

Air pay is built to live inside the apps customers already use. No new app to download.

Mobile Banking

Added as a feature inside the bank's mobile app.

Wallets

The same radar and payment flow inside digital wallets.

03

The payment flow

Pay inthree steps

The app does the searching. The customer just picks the shop and pays.

9:41

‹Nearby payment

SM12 m BH38 m LP64 m

3 merchants found nearby

Nearby merchants

SM

Selam Mini MarketGrocery · 12 m

›

BH

Buna HouseCafé · 38 m

›

1Open Air pay

The radar finds nearby shops by itself.

9:41

‹Nearby payment

Select the merchant in front of you

SM

Selam Mini MarketGrocery · 12 m

›

BH

Buna HouseCafé · 38 m

›

LP

Lideta PharmacyPharmacy · 64 m

›

BB

Bole BakeryBakery · 90 m

›

GJ

Green Juice BarJuice bar · 120 m

›

2Pick the shop

Tap the shop you are standing in.

9:41

Payment successful

450.00ETB

Paid toSelam Mini Market

Merchant ID099221

FromSavings •••• 4521

Date4 Nov 2026, 10:42 AM

StatusCompleted

Share receiptDownload

Done

3Pay

Enter the amount and your PIN.

04

Comparison

Air pay vs the rest

05

Zero to start

Zero cost.Zero hassle.

06

Interoperable

Any app. One account.

Customers pay with any bank app or wallet. EthSwitch aggregates every payment and settles it into the one account the merchant prefers.

07

How the money moves

Any app. One account.

Customers pay with any bank app or wallet. StarPay aggregates every payment and settles it into the one account the merchant prefers.

08

The customer's view

Pay nearby.Pay instantly.

Inside the shop, the radar puts the merchant you are standing in at the top of the list. Pick it and pay.

On your radar

Merchants within metres show up first.

Fast & secure

Pay a verified merchant in seconds.

09

Trust built in

MerchantVerification

Unique name
Each merchant is listed under one name.
Unique ID
A merchant ID ties every payment to one business.
Merchant logo
Customers recognise the shop at a glance.
Nearest first
Searching starts from the nearest merchants.

10

Security

100% secured& guaranteed

Located by bank staff
Every merchant is found and onboarded by bank staff, which makes it more secure.
Verifiedbefore going live
Only checked merchants appear on the radar.
Nothing to tamper with
No printed code that can be covered or swapped.

11

Merchant payment

Verified.Traceable.

Every Air pay merchant is checked, and every payment leaves a clear record.

12

How to pay

P2Ptransfer

Send money to the person standing next to you, without asking for an account number.

13

How to pay

Merchantpayment

14

Air pay · Merchantnow

+ ETB 450.00 received

Settled to your account

Air pay · Merchantnow

+ ETB 450.00 received

Settled to your account

Instant settlement

Paid now.Settled now.

No batches and no end-of-day wait. The money is in the merchant account the moment the customer pays.

Instant settlement

Straight to the merchant account.

Instant P2P transfer

Person to person, in real time.

15

Report

InstantNotification

Every payment pings the merchant app the second it lands, with the amount and who paid.

Instant notification

Merchant and customer are both notified.

No need to take pictures

No screenshots or photos of receipts as proof.

16

Monitoring

Transaction trackingand monitoring

Every Air pay payment is recorded the moment it happens. Track it on the go or follow everything from the desk.

Mobile portal
Sales and payments live in the merchant's hand.
Web portal
Full history, search, filters and reports.
Every payment traceable
Amount, bank, time and status on record.

Transactions overview

Tuesday, 4 Nov 2026

LiveToday ▾All branches ▾Export

Total volumeETB 1,284,560▲ 12.4% vs yesterday

Transactions3,842▲ 8.1%

Success rate99.7%11 pending

Settled to accountETB 1,279,900Real time

Volume by hourETB

6am9am12pm3pm6pm9pm

By channel

3,842

Bank apps 72%Wallets 28%

Recent transactionsSearch transaction ID

Time	Transaction ID	Paid from	Branch	Amount	Status
10:42:18	AP-7F3K-90211	CBE	Bole	ETB 450.00	Settled
10:41:55	AP-7F3K-90207	telebirr	Kazanchis	ETB 1,200.00	Settled
10:41:09	AP-7F3K-90198	Awash Bank	Bole	ETB 320.00	Settled
10:40:37	AP-7F3K-90190	M-Pesa	Piassa	ETB 860.00	Settled
10:38:12	AP-7F3K-90176	BOA	Kazanchis	ETB 275.00	Settled

9:41

Merchant portal

Today's salesETB 18,420.0046 payments · all settled

AllBanksWallets

Abebe K.CBE · 10:42

+ 450.00

Meron A.telebirr · 10:41

+ 1,200.00

Yonas G.Awash · 10:41

+ 320.00

Hana T.M-Pesa · 10:40

+ 860.00

Dawit M.BOA · 10:38

+ 275.00

17

In the wild

Ready for every counter

18

Thank you!

Near you · On the radar

Powered by

SearchFind pay

Air pay?

Plugs intoAny app

Pay inthree steps

Air pay vs the rest

Zero cost.Zero hassle.

Any app. One account.

Any app. One account.

Pay nearby.Pay instantly.

MerchantVerification

100% secured& guaranteed

Verified.Traceable.

P2Ptransfer

Merchantpayment

Paid now.Settled now.

InstantNotification

Transaction trackingand monitoring

Ready for every counter

Thank you!

All slides