At Ethmar, we empower banks, merchants, and individuals to move into a payment world that's simpler, safer, and more efficient — a national, end-to-end ecosystem built for the Libyan market.
Ethmar designs, operates, and markets electronic payment solutions in partnership with commercial banks, fully integrated with Libya's national payment operator.
We believe the real challenge isn't whether the technology exists — it's whether people actually use it. So we built an operating model that turns infrastructure into everyday behavior.
Ethmar isn't just a tech provider. We're an end-to-end operational partner building a modern, sustainable payment experience.
Resilient, compliant rails connected to the national system.
Boots-on-the-ground deployment, training, and support.
Structured expansion across cities — not just headline coverage.
Education and clear communication that earns daily use.
Certified, high-quality POS devices. National acceptance for every local card. Transparent daily settlement. Continuous technical and field support — so digital payments become a sales tool, not a burden.
Issue local bank cards in your brand. Manage the full card lifecycle. Connect securely to the national payment system.
A digital-first payment experience for end users — easy, safe, and free of purchase commissions. Family cards extend control to the account holder.
Contactless, chip, or magnetic stripe — every Ethmar terminal accepts every local card. The transaction begins instantly.
Encrypted in transit, routed to the issuing bank, validated, and approved — typically in milliseconds. Audit-ready, fully compliant with Central Bank of Libya guidelines.
Daily settlement directly to the merchant's bank account. Clear reconciliation. Zero commission for the buyer. A model where every party gains.
Banks are partners, not just clients. Merchants are part of the network, not just terminals. Users are at the center — never charged for the experience.
Security isn't optional — it's the foundation. Highest data-protection standards. Clear data governance. Transparent settlement. Fully auditable, fully compliant.
The real challenge isn't whether the technology exists — it's whether people actually use it.
Expand financial inclusion
Make life easier for people and merchants
Support the digital transformation of Libya's economy
Build a trusted, sustainable national payment ecosystem
Are you a bank? A merchant looking for easier payment options? Ready to join the electronic payment ecosystem? Ethmar is here to be your partner.