Cheaper than cards
QR and payment-link fees come from the live schedule. No interchange stack.
Eastern Caribbean · XCD
Settlement rails that treat cash like a first-class payment.
Novis Rails is the ledger behind Novis Pay. Merchants settle instantly, cheaper than cards. Shoppers pay with Novis at the counter, then cash out at authorised agents.
Instant settlement
Credits post on the ledger when the pay RPC confirms — never before.
Cash out at agents
Wallet balances stay spendable. Standard bank payouts are free; speed is optional.
Brands
Novis
The word people say at a counter. Consumer wallet.
Novis Pay
Merchant mPOS app. Unchanged. Same identity as this site.
Novis Rails
This website, the dashboard, the API, and the licence name.