Payment rails
for Fiji. Finally.
Accept card payments in minutes, not months. Receive diaspora transfers direct to FJD. Built by Fijians, for Fijian businesses — on the infrastructure the economy has been waiting for.
Fiji moves billions through digital payments.
None of it moves for Fijian businesses.
In 2025, Fiji processed F$2.4 billion in person-to-person digital transfers and received F$1 billion in international remittances. Yet SMEs can't accept online card payments. Banks take three months to onboard. Stripe settles to Australia, not Fiji. Rail closes the gap.
Acquirer infrastructure.
Operator responsibility.
Rail sits between Fiji's licensed card acquirer and the thousands of SMEs the banking system was never built to serve. We underwrite the merchant. We absorb the chargeback risk. We settle in FJD. The acquirer keeps the interchange — Fiji keeps the economic activity.
Card acceptance,
and the diaspora corridor.
Rail launches with two revenue-generating products from day one. Domestic card acceptance solves the 94-day gateway problem Fiji's banks won't fix. The diaspora corridor captures the business-to-business remittance market that today moves informally — or through Australia.
Card payment acceptance for Fijian businesses. Hosted checkout, payment links, e-commerce plugins, and a REST API. Onboarding in two hours through AI-verified KYB. Sub-merchants settle in FJD to any Fiji bank account.
Cross-border business payments from the Fijian diaspora in Australia, New Zealand, the US, and UK — direct to Fijian businesses in FJD. No middle banks. No Western Union spreads. Tourism operators, schools, and retailers receive funds same-day.
Rail is the foundation.
More is being built on top of it.
Card acceptance and the diaspora corridor are what we launch with. They are not the whole picture. As Rail's payment infrastructure matures, the same trust, compliance, and ledger primitives extend into adjacent layers Fiji's economy needs.
AI-generated storefronts for businesses without a website. A merchant describes their business in plain language; the system produces a working online store with Rail acceptance built in. Removes the largest barrier to digital commerce — the cost and complexity of getting online at all.
For merchants who do not need a full storefront — a verified, category-indexed directory of Fijian businesses. Each listing carries a Rail-hosted payment link. Searchable, Google-indexed, trust-marked. Reaches the operators who would otherwise stay invisible to digital commerce.
The verification engine that runs every Rail merchant onboarding — AI-assisted document reading, deterministic sanctions and PEP screening, written risk rationales, tiered review. Available as a standalone API for Fijian institutions that need bank-grade KYB without bank-grade headcount.
Infrastructure that earns
the central bank's confidence.
Rail is designed to meet the standards of the National Payment System Act 2021 from day one — even before licensing. We operate with the posture of an institution, not a startup.
"Every Fijian dollar moved through Rail is accounted for on an immutable ledger, safeguarded in segregated trust, and reconciled daily against the acquirer's settlement."
— RAIL OPERATING PRINCIPLE I
Fund segregation
Customer funds held in a safeguarded trust account, separate from Rail operating capital. Daily reconciliation to acquirer statements.
Immutable double-entry ledger
Every transaction posted as three distinct lines — safeguarded trust, merchant payable, platform fee. No updates, no deletes. Corrections via reversal only.
AML & KYB program
FATF-aligned controls. Sub-merchant verification with document, director, and beneficial-ownership checks. Velocity and threshold rules monitored in real time.
PCI boundary by design
No raw card data ever enters Rail systems. Tokenisation handled at the acquirer gateway. Rail stores token reference, last four, and scheme only.
Seven-year audit trail
Every ledger entry, every admin action, every merchant decision — retained for seven years in line with NPS Act recordkeeping requirements.
Three plans.
One for every stage of business.
Start free, upgrade when your volume justifies it. No setup fees, no contracts, no surprises. Every plan includes hosted checkout, payment links, fraud monitoring, and T+1 settlement.
- 3.9% + 30¢ per transaction
- T+1 settlement · FJD
- Hosted checkout · payment links
- Shopify · WooCommerce plugins
- Self-serve onboarding · email support
- Up to F$10K/mo throughput
- 3.4% + 30¢ per transaction
- T+1 settlement · FJD
- Everything in Starter, plus:
- Priority chargeback representation
- Advanced fraud rules · velocity controls
- Phone + WhatsApp support, business hours
- Multi-user accounts · role permissions
- 2.9% + 25¢ per transaction
- Same-day settlement included
- Everything in Business, plus:
- Dedicated account manager
- White-label checkout · custom domain
- API priority · 99.9% uptime SLA
- Custom reporting · Xero/MYOB sync
Per-transaction rates, by product.
+1.5% FX
+1.5% FX
+1.2% FX
Prices shown exclusive of VAT. Volume discounts available above F$500K/mo throughput. Custom pricing for marketplaces, SaaS platforms, and processors — contact sales.
We are the channel that connects them to the merchants they cannot onboard.