diff --git a/apps/edr-freight-api/src/config/dmoney.config.ts b/apps/edr-freight-api/src/config/dmoney.config.ts
new file mode 100644
index 000000000..7922b4aae
--- /dev/null
+++ b/apps/edr-freight-api/src/config/dmoney.config.ts
@@ -0,0 +1,10 @@
+import { registerAs } from "@nestjs/config";
+
+export default registerAs("dmoney", () => ({
+    baseUrl: process.env.DMONEY_BASE_URL ?? "",
+    appId: process.env.DMONEY_APP_ID ?? "",
+    appSecret: process.env.DMONEY_APP_SECRET ?? "",
+    publicKey: process.env.DMONEY_PUBLIC_KEY ?? "",
+    privateKey: process.env.DMONEY_PRIVATE_KEY ?? "",
+    notifyUrl: process.env.DMONEY_NOTIFY_URL ?? ""
+}));
diff --git a/apps/edr-freight-api/src/modules/payment/payment.service.ts b/apps/edr-freight-api/src/modules/payment/payment.service.ts
index 4a5bd44be..1111a69f2 100644
--- a/apps/edr-freight-api/src/modules/payment/payment.service.ts
+++ b/apps/edr-freight-api/src/modules/payment/payment.service.ts
@@ -74,8 +74,6 @@ export class PaymentService {
             reason: `Payment for booking`,
         });
 
-        // const formatterd = this.formatIntentResponse(payment);
-
         return {
             redirectUrl: `${this.configService.get<string>("TELEBIRR_REDIRECT_BASE_URL")}/${payment.merchantOrderId}`
         }
diff --git a/packages/payment-providers/src/index.ts b/packages/payment-providers/src/index.ts
index b7089cae4..ef308a44a 100644
--- a/packages/payment-providers/src/index.ts
+++ b/packages/payment-providers/src/index.ts
@@ -19,6 +19,7 @@ export { CbeBirrProvider } from './providers/cbe-birr/cbe-birr.provider';
 export { EBirrProvider } from './providers/ebirr/ebirr.provider';
 export { CardProvider } from './providers/card/card.provider';
 export { WaafiProvider } from './providers/waafi/waafi.provider';
+export { DMoneyProvider } from './providers/dmoney/dmoney.provider';
 
 // Telebirr crypto + types (exported for apps that build/verify signatures directly)
 export {
@@ -45,6 +46,7 @@ export type { CbeBirrWebhookPayload } from './webhooks/cbe-birr-webhook.types';
 export type { EBirrWebhookPayload } from './webhooks/ebirr-webhook.types';
 export type { CardWebhookPayload } from './webhooks/card-webhook.types';
 export type { WaafiWebhookPayload } from './webhooks/waafi-webhook.types';
+export type { DMoneyWebhookPayload } from './webhooks/dmoney-webhook.types';
 
 // DI token for injecting all providers as an array (future multi-provider wiring)
 export const PAYMENT_PROVIDERS = Symbol('PAYMENT_PROVIDERS');
diff --git a/packages/payment-providers/src/providers/dmoney/dmoney.provider.ts b/packages/payment-providers/src/providers/dmoney/dmoney.provider.ts
new file mode 100644
index 000000000..a4aae8ca3
--- /dev/null
+++ b/packages/payment-providers/src/providers/dmoney/dmoney.provider.ts
@@ -0,0 +1,252 @@
+import { Injectable, Logger } from '@nestjs/common';
+import { ConfigService } from '@nestjs/config';
+import { HttpService } from '@nestjs/axios';
+import {
+  PaymentProvider,
+  ProviderInitiationInput,
+  ProviderInitiationResult,
+  ProviderStatus,
+  ProviderPaymentStatus,
+  ProviderMethod,
+} from '@edr/types';
+import { AxiosError, AxiosRequestConfig } from 'axios';
+import { firstValueFrom } from 'rxjs';
+import * as crypto from 'node:crypto';
+
+interface DMoneyAuthResponse {
+  token: string;
+}
+
+interface DMoneyInitiateRequest {
+  merchantId: string;
+  merchantOrderId: string;
+  amount: string;
+  currency: string;
+  description: string;
+  returnUrl: string;
+  notifyUrl: string;
+  payerPhone?: string;
+  timestamp: string;
+  signature: string;
+}
+
+interface DMoneyInitiateResponse {
+  success: boolean;
+  orderId: string;
+  checkoutUrl?: string;
+  expiresIn: number;
+}
+
+interface DMoneyQueryResponse {
+  success: boolean;
+  orderId: string;
+  status: string;
+  transactionId?: string;
+  amount?: string;
+  currency?: string;
+  paidAt?: string;
+  payerPhone?: string;
+}
+
+@Injectable()
+export class DMoneyProvider implements PaymentProvider {
+  readonly method = ProviderMethod.DMONEY;
+  private readonly logger = new Logger(DMoneyProvider.name);
+
+  constructor(
+    private readonly config: ConfigService,
+    private readonly http: HttpService,
+  ) {}
+
+  async initiate(input: ProviderInitiationInput): Promise<ProviderInitiationResult> {
+    const token = await this.getFabricToken();
+    const amount = (input.amountMinor / 100).toFixed(2);
+    const timestamp = new Date().toISOString();
+
+    const requestBody: DMoneyInitiateRequest = {
+      merchantId: this.merchantId,
+      merchantOrderId: input.merchantOrderId,
+      amount,
+      currency: input.currency,
+      description: `EDR ${input.orderRef}`,
+      returnUrl: this.returnUrl,
+      notifyUrl: this.notifyUrl,
+      timestamp,
+      signature: this.signRequest({
+        merchantId: this.merchantId,
+        merchantOrderId: input.merchantOrderId,
+        amount,
+        timestamp,
+      }),
+    };
+
+    const response = await this.postJson<DMoneyInitiateResponse>(
+      `${this.baseUrl}/api/v1/payment/initiate`,
+      requestBody,
+      token,
+    );
+
+    if (!response.success || !response.orderId) {
+      throw new Error(`DMoney initiate failed: ${JSON.stringify(response)}`);
+    }
+
+    const expiresAt = new Date(Date.now() + response.expiresIn * 1000);
+
+    return {
+      providerOrderId: response.orderId,
+      clientAction: response.checkoutUrl
+        ? { type: 'REDIRECT', url: response.checkoutUrl }
+        : { type: 'REDIRECT', url: `${this.baseUrl}/checkout/${response.orderId}` },
+      expiresAt,
+      rawInitiation: {
+        request: this.sanitize(requestBody),
+        response,
+      },
+    };
+  }
+
+  async queryStatus(merchantOrderId: string): Promise<ProviderStatus> {
+    const token = await this.authenticate();
+    const timestamp = new Date().toISOString();
+    const signature = this.signRequest({
+      merchantId: this.merchantId,
+      merchantOrderId,
+      timestamp,
+    });
+
+    const response = await this.postJson<DMoneyQueryResponse>(
+      `${this.baseUrl}/api/v1/payment/query`,
+      {
+        merchantId: this.merchantId,
+        merchantOrderId,
+        timestamp,
+        signature,
+      },
+      token,
+    );
+
+    const mapped = this.mapStatus(response.status);
+
+    return {
+      status: mapped,
+      providerTxnId: response.transactionId,
+      failureCode: mapped === ProviderPaymentStatus.FAILED ? response.status : undefined,
+      rawResponse: response as unknown as Record<string, unknown>,
+    };
+  }
+
+  verifyWebhookSignature(payload: Record<string, unknown>): boolean {
+    const { signature, ...data } = payload;
+    if (!signature || typeof signature !== 'string') return false;
+
+    const expectedSignature = this.signRequest(data);
+    return crypto.timingSafeEqual(
+      Buffer.from(signature),
+      Buffer.from(expectedSignature),
+    );
+  }
+
+  mapWebhookStatus(status: string): ProviderPaymentStatus {
+    return this.mapStatus(status);
+  }
+
+  private mapStatus(status: string): ProviderPaymentStatus {
+    switch (status?.toUpperCase()) {
+      case 'SUCCESS':
+      case 'COMPLETED':
+        return ProviderPaymentStatus.SUCCEEDED;
+      case 'FAILED':
+      case 'REJECTED':
+      case 'EXPIRED':
+      case 'CANCELLED':
+        return ProviderPaymentStatus.FAILED;
+      case 'PENDING':
+        return ProviderPaymentStatus.REQUIRES_ACTION;
+      case 'PROCESSING':
+        return ProviderPaymentStatus.PROCESSING;
+      default:
+        return ProviderPaymentStatus.PROCESSING;
+    }
+  }
+
+  private async getFabricToken(): Promise<string> {
+    const response = await this.postJson<DMoneyAuthResponse>(
+      `${this.baseUrl}/apiaccess/payment/gateway/payment/v1/token`,
+      {
+        appSecret: this.appSecret,
+      },
+    );
+
+    if (!response.token) {
+      throw new Error(`DMoney authentication failed: ${JSON.stringify(response)}`);
+    }
+
+    return response.token;
+  }
+
+  private signRequest(data: Record<string, unknown>): string {
+    const sortedKeys = Object.keys(data).sort();
+    const signString = sortedKeys
+      .map((key) => `${key}=${data[key]}`)
+      .join('&');
+
+    return crypto
+      .createHmac('sha256', this.secretKey)
+      .update(signString)
+      .digest('hex');
+  }
+
+  private async postJson<T>(url: string, body: unknown, token?: string): Promise<T> {
+    const headers: Record<string, string> = {
+      'Content-Type': 'application/json',
+    };
+    if (token) {
+      headers['Authorization'] = `Bearer ${token}`;
+    }
+
+    const config: AxiosRequestConfig = {
+      headers,
+      timeout: 10_000,
+    };
+
+    const started = Date.now();
+    try {
+      const res = await firstValueFrom(this.http.post<T>(url, body, config));
+      this.logger.debug(`DMoney POST ${url} status=${res.status} latency=${Date.now() - started}ms`);
+      return res.data;
+    } catch (err) {
+      if (err instanceof AxiosError) {
+        this.logger.error(
+          `DMoney POST ${url} failed: status=${err.response?.status} body=${JSON.stringify(err.response?.data)}`,
+        );
+      } else {
+        this.logger.error(`DMoney POST ${url} threw: ${err instanceof Error ? err.message : err}`);
+      }
+      throw err;
+    }
+  }
+
+  private sanitize(body: DMoneyInitiateRequest): Record<string, unknown> {
+    const { signature: _signature, ...rest } = body;
+    return rest;
+  }
+
+  private get baseUrl(): string {
+    return this.config.get<string>('dmoney.baseUrl') ?? '';
+  }
+  private get merchantId(): string {
+    return this.config.get<string>('dmoney.merchantId') ?? '';
+  }
+  private get appSecret(): string {
+    return this.config.get<string>('dmoney.appSecret') ?? '';
+  }
+  private get secretKey(): string {
+    return this.config.get<string>('dmoney.secretKey') ?? '';
+  }
+  private get notifyUrl(): string {
+    return this.config.get<string>('dmoney.notifyUrl') ?? '';
+  }
+  private get returnUrl(): string {
+    return this.config.get<string>('dmoney.returnUrl') ?? '';
+  }
+}
diff --git a/packages/payment-providers/src/webhooks/dmoney-webhook.types.ts b/packages/payment-providers/src/webhooks/dmoney-webhook.types.ts
new file mode 100644
index 000000000..3a8362066
--- /dev/null
+++ b/packages/payment-providers/src/webhooks/dmoney-webhook.types.ts
@@ -0,0 +1,13 @@
+export interface DMoneyWebhookPayload {
+  merchantId: string;
+  merchantOrderId: string;
+  orderId: string;
+  status: string;
+  transactionId?: string;
+  amount?: string;
+  currency?: string;
+  paidAt?: string;
+  payerPhone?: string;
+  signature: string;
+  [key: string]: unknown;
+}
diff --git a/packages/types/src/common/payments.ts b/packages/types/src/common/payments.ts
index b7938aae7..66a6dead3 100644
--- a/packages/types/src/common/payments.ts
+++ b/packages/types/src/common/payments.ts
@@ -22,6 +22,7 @@ export enum ProviderMethod {
   EBIRR = "EBIRR",
   WAAFI = "WAAFI",
   CARD = "CARD",
+  DMONEY = "DMONEY",
 }
 
 export type PaymentPlatform = "web" | "mobile";