InstaPay
The Central Bank of Egypt's real-time payment (RTP) rail. The customer confirms the transfer from their own banking app and funds move bank-to-bank, with no card involved. InstaPay is a planned rail for BINK.
Not live yet
InstaPay does not accept real payments through BINK today. When it launches, it will be offered through a licensed partner. The flow below describes the intended design.
How it is designed to work
On Hosted Checkout, the customer scans a QR code or enters their Instant Payment Address (IPA), then approves the transfer in their bank's app. Once the bank confirms, the payment moves from PENDING to PAID with no intermediate 3DS-style challenge.
Disputes work differently from cards
Because InstaPay is a direct bank transfer rather than a card authorization, there is no card-network chargeback. Disputes on InstaPay payments go through the bank's transfer-recall process instead.
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