Lebanese businessman · Founder · CEO
Baligh El Cheikh
Building banking, fintech, payment technologies, digital identity, telecom and eSIM businesses under GENEVAPAY UK LIMITED.
Executive profile
A founder focused on banking and financial business.
Baligh El Cheikh is a Lebanese businessman focused on banking, fintech and modern financial services. His work connects digital banking, payment acceptance, financial software, identity verification, card infrastructure, telecom and eSIM products into a single group vision.
The business journey previously included AYAINVEST Limited. The group has now moved its business ownership and operating direction under GENEVAPAY UK LIMITED, bringing the companies and technology portfolio into a clearer international structure.
Flagship technology
PAYYER is the central payments innovation brand.
PAYYER is positioned as the group's most visible financial technology platform, focused on new payment experiences, secure approval methods, merchant tools, digital wallets, card programs and high-assurance transaction controls.
- Tap & Tag to Pay for contactless, device-bound payment approval.
- Wink, blink and eye-to-eye payment flows using deliberate customer action.
- VoiceOTP, voice secret, face, fingerprint and biometric-ready security journeys.
- Secure payment links, vouchers, partner APIs and branded financial workflows.
The portfolio presents PAYYER as a proprietary, patent-focused payments technology direction. Public patent numbers can be added when you want to publish them.
Business portfolio
Companies and platforms owned under GENEVAPAY UK LIMITED.
PAYYER.APP
Flagship financial payment technology platform for wallets, cards, merchant tools, secure payment approvals, payment links, vouchers, APIs and risk-aware financial workflows.
payyer.appAYABANK.US
Digital banking and financial services brand for multi-currency accounts, transfers, card programs, virtual cards and business banking services.
ayabank.usAYABANK.DIGITAL
Digital banking presence connected to AYABANK's modern account, card and financial service direction.
ayabank.digitalGENEVAPAY.IO
GENEVAPAY UK LIMITED is the group structure for the portfolio's banking, fintech, payment, software and telecom businesses.
genevapay.ioAFRICOCARD.COM
Card and spending brand focused on virtual and physical card experiences, wallet access, cross-market spending and connected payment services.
africocard.comTAWSILL.NET
Delivery and transportation services brand supporting shipment, mobility and service logistics with a customer-facing digital presence.
tawsill.netAYAMERCHANT.COM
Merchant payment collection platform for payment links, invoices, recurring billing, ecommerce checkout, API checkout and business payment tools.
ayamerchant.comUFIID.COM
Universal financial identity direction for KYC, KYB, verification, onboarding and trust infrastructure across financial platforms.
ufiid.comAYAFINTECH.COM
Financial services and fintech platform focused on multi-currency accounts, transfers, receiving payments, card services and payment provider connectivity.
ayafintech.comAYACOIN.IO
Digital asset and token-oriented brand reserved for future financial technology and blockchain-related product direction.
ayacoin.ioAYA-SOFT.COM
Software engineering and platform development brand for fintech systems, business operations, integrations and digital products.
aya-soft.comAYATELECOM.NET
Telecom and connectivity brand supporting mobile, digital access and communication services for the wider group ecosystem.
ayatelecom.netAYAeSIM.MOBILE
eSIM service brand for mobile connectivity, travel access and digital telecom products.
ayaesim.mobileG5ESIM.MOBILE
eSIM connectivity brand positioned for global mobile users, digital travel and connected service access.
g5esim.mobile
Group structure
From AYAINVEST Limited to GENEVAPAY UK LIMITED.
Before, the business portfolio was connected with AYAINVEST Limited. Today the group direction has moved under GENEVAPAY UK LIMITED, with the portfolio organized around banking, payments, fintech, identity, merchant commerce, software, telecom and eSIM services.
Official portfolio
Baligh El Cheikh
For partnerships, banking, fintech, payments, telecom and group business discussions, use the official portfolio domain and verified company channels.
Primary domain
balighelcheikh.com
PAYYER founder profile