Real-Time Global Payments with Fiat and Stablecoin Infrastructure
Real-Time Global Payments with Fiat and Stablecoin Infrastructure
Where traditional finance meets digital payments. Institutional grade conversion services with personalized support and deep liquidity.
Where traditional finance meets digital payments. Institutional grade conversion services with personalized support and
deep liquidity.
Where traditional finance meets digital payments.
Institutional grade conversion services with
personalized support and deep liquidity.
Volume processed
Countries supported
Portal Access
HOW IT WORKS
Get Started in 3 Steps
01
Apply
Submit business details and complete KYC/AML verification. Most approvals within 1 business day.
02
Get Activated
Your dedicated relationship manager will be assigned and virtual IBAN activated.
03
Transact
Access the M-Pay Portal to execute on-ramp, off-ramp, or third-party payment services.
Serving Clients Across The Globe
Serving Clients
Across The Globe
Supporting business worldwide with secure, complaint conversion services
Supporting business worldwide with
secure, complaint conversion services
All-in-One Global
Payments Network
All-in-One Global
Payments Network
Tailored solutions for businesses and individuals—connecting merchants worldwide to seamlessly on/off-ramp into
multiple currencies
Tailored solutions for businesses and
individuals—connecting merchants
worldwide to seamlessly on/off-ramp
into multiple currencies
Businesses
Businesses
Businesses
Virtual IBAN
Bank Accounts
Virtual IBAN
Bank Accounts
Virtual IBAN
Bank Accounts
Businesses
Businesses
Businesses
Crypto Wallet
Multi-Networks
Crypto Wallet
Multi-Networks
Crypto Wallet
Multi-Networks
M-Pay Network
M-Pay
Network
M-Pay
Network
Global Payments
Global
Payments
Global
Payments
Business Solutions
Business
Solutions
Business
Solutions
On-Ramp
On-Ramp
Off-Ramp
Off-Ramp
+40 more
currencies
+40 more
currencies
Businesses
Businesses
Businesses
Stablecoin
Wallets
Stablecoin
Wallets
Stablecoin
Wallets
Businesses
Businesses
Businesses
Bank
Accounts
Bank
Accounts
Bank
Accounts
Who We With Work
Who We With Work
Trusted by institutional clients across diverse industries
Trusted by institutional clients
across diverse industries
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Forex & Remittance
Money transfer operators and remittance providers using stablecoins for faster cross-border settlements.
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Cross-Border Payments
Businesses paying international invoices and suppliers instantly. Skip bank delays with instant stablecoin settlements.
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Web3 Companies
Venture Capitals, Blockchain companies managing treasury operations.
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Gaming & Esports
Global gaming platforms paying players and teams across 130+ countries with stablecoin settlements.
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Payment Processors
PSPs and payment gateways offering stablecoin payment options to merchants worldwide.
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International Businesses
Exporters, freelance platforms, and global employers managing payroll and supplier payments.
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Forex & Remittance
Money transfer operators and remittance providers using stablecoins for faster cross-border settlements.
Cross-Border Payments
Businesses paying international invoices and suppliers instantly. Skip bank delays with instant stablecoin settlements.
Web3 Companies
Venture Capitals, Blockchain companies managing treasury operations.
Gaming & Esports
Global gaming platforms paying players and teams across 130+ countries with stablecoin settlements.
Payment Processors
PSPs and payment gateways offering stablecoin payment options to merchants worldwide.
International Businesses
Exporters, freelance platforms, and global employers managing payroll and supplier payments.
Forex & Remittance
Money transfer operators and remittance providers using stablecoins for faster cross-border settlements.
Cross-Border Payments
Businesses paying international invoices and suppliers instantly. Skip bank delays with instant stablecoin settlements.
Web3 Companies
Venture Capitals, Blockchain companies managing treasury operations.
Gaming & Esports
Global gaming platforms paying players and teams across 130+ countries with stablecoin settlements.
Payment Processors
PSPs and payment gateways offering stablecoin payment options to merchants worldwide.
International Businesses
Exporters, freelance platforms, and global employers managing payroll and supplier payments.
Access the M-Pay Portal
Access the M-Pay Portal
Secure client portal with 24/7 access to your account, live pricing, and seamless conversion execution.
Secure client portal with 24/7 access
to your account, live pricing, and seamless
conversion execution.
Fully Licensed
Registered Money Services Business (MSB). Registered with FINTRAC. Full AML/KYC compliance.
Secure & Compliant
Bank-grade security, encrypted transactions, and complete regulatory compliance for peace of mind.
Global Reach
Send payments to 130+ countries with local currency settlements and competitive exchange rates.
Complete Reporting
Real-time tracking, detailed transaction history, and export-ready reports for accounting and compliance.
Fully Licensed
Registered Money Services Business (MSB). Registered with FINTRAC. Full AML/KYC compliance.
Global Reach
Send payments to 130+ countries with local currency settlements and competitive exchange rates.
Secure & Compliant
Bank-grade security, encrypted transactions, and complete regulatory compliance for peace of mind.
Complete Reporting
Real-time tracking, detailed transaction history, and export-ready reports for accounting and compliance.
Infrastructure Partners
Infrastructure Partners
M-Pay integrates with trusted, regulated partners to deliver secure, compliant payment solutions.
M-Pay integrates with trusted, regulated
partners to deliver secure, compliant
payment solutions.
Financial Infrastructure
Financial Infrastructure
Compliance & Security
Compliance & Security
Financial Infrastructure
Compliance & Security
GOT QUESTIONS?
Frequently Asked Questions
Frequently Asked Questions
If you have any further questions, please don't hesitate to reach out to our customer support team for assistance.
What is M-Pay and how does it work?
M-Pay is a licensed Money Services Business (MSB) that provides institutional-grade fiat-to-crypto conversion services. We enable businesses to convert traditional currencies (GBP, USD, EUR) into stablecoins (USDT, USDC) and vice versa. Our service is designed for companies that need reliable, compliant, and cost-effective ways to bridge between traditional finance and digital assets.
What is M-Pay and how does it work?
M-Pay is a licensed Money Services Business (MSB) that provides institutional-grade fiat-to-crypto conversion services. We enable businesses to convert traditional currencies (GBP, USD, EUR) into stablecoins (USDT, USDC) and vice versa. Our service is designed for companies that need reliable, compliant, and cost-effective ways to bridge between traditional finance and digital assets.
Who can use M-Pay?
M-Pay is designed for registered businesses and companies. We accept: Limited companies (Ltd, LLC, etc.), Corporations and enterprises, Partnerships and LLPs and Sole traders and freelancers. All clients must complete KYC/AML verification and hold a valid business registration.
Who can use M-Pay?
M-Pay is designed for registered businesses and companies. We accept: Limited companies (Ltd, LLC, etc.), Corporations and enterprises, Partnerships and LLPs and Sole traders and freelancers. All clients must complete KYC/AML verification and hold a valid business registration.
How long does account approval take?
Most applications are reviewed within 1-2 business days. If your documentation is complete and passes automated checks, approval can be as quick as a few hours. Complex cases requiring enhanced due diligence may take up to 5 business days. You'll receive email updates at each stage of the process.
How long does account approval take?
Most applications are reviewed within 1-2 business days. If your documentation is complete and passes automated checks, approval can be as quick as a few hours. Complex cases requiring enhanced due diligence may take up to 5 business days. You'll receive email updates at each stage of the process.
How do you calculate exchange rates?
We use real-time exchange rates from multiple liquidity providers and major exchanges. Our rates are updated every few seconds to reflect current market conditions. When you accept a quote, the rate is locked for 30 minutes to protect you from market volatility during payment processing. The final rate you receive is exactly what was shown in your accepted quote.
How do you calculate exchange rates?
We use real-time exchange rates from multiple liquidity providers and major exchanges. Our rates are updated every few seconds to reflect current market conditions. When you accept a quote, the rate is locked for 30 minutes to protect you from market volatility during payment processing. The final rate you receive is exactly what was shown in your accepted quote.
Is M-Pay regulated?
Yes. M-Pay operates as a registered Money Services Business (MSB) under FINTRAC in Canada (Registration: C100000603). We comply with all Canadian Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. We maintain the highest standards of compliance including regular audits, transaction monitoring, and sanctions screening.
Is M-Pay regulated?
Yes. M-Pay operates as a registered Money Services Business (MSB) under FINTRAC in Canada (Registration: C100000603). We comply with all Canadian Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. We maintain the highest standards of compliance including regular audits, transaction monitoring, and sanctions screening.
How long do on-ramp transactions take?
On-ramp timeline (Fiat → Crypto): Payment detection takes between 5 and 30 minutes depending on your bank, and the compliance check is instant if automated or up to 1–4 hours (manual review). Crypto delivery takes 10–60 minutes depending on the blockchain network. Total time is typically between 30 minutes and 2 hours. Faster Payments (UK) and SEPA Instant transfers are generally processed within 30 minutes total.
How long do on-ramp transactions take?
On-ramp timeline (Fiat → Crypto): Payment detection takes between 5 and 30 minutes depending on your bank, and the compliance check is instant if automated or up to 1–4 hours (manual review). Crypto delivery takes 10–60 minutes depending on the blockchain network. Total time is typically between 30 minutes and 2 hours. Faster Payments (UK) and SEPA Instant transfers are generally processed within 30 minutes total.
How long do off-ramp transactions take?
Off-ramp timeline (Crypto → Fiat): Crypto confirmation takes between 5 and 60 minutes depending on the network, followed by a compliance check that is either instant or up to 2–8 hours if flagged. Bank transfer initiation happens within 1 business day, with bank settlement taking a further 1–2 business days, bringing the total time to typically 1–2 business days from crypto confirmation. Some countries may experience longer settlement times due to local banking systems.
How long do off-ramp transactions take?
Off-ramp timeline (Crypto → Fiat): Crypto confirmation takes between 5 and 60 minutes depending on the network, followed by a compliance check that is either instant or up to 2–8 hours if flagged. Bank transfer initiation happens within 1 business day, with bank settlement taking a further 1–2 business days, bringing the total time to typically 1–2 business days from crypto confirmation. Some countries may experience longer settlement times due to local banking systems.
Which cryptocurrencies do you support?
Currently, we support USD-pegged stablecoins: USDT (Tether), the most liquid stablecoin globally, and USDC (USD Coin), which is fully backed and regulated. We focus on stablecoins for predictable pricing and reduced volatility risk. Additional assets may be added based on client demand.
Which cryptocurrencies do you support?
Currently, we support USD-pegged stablecoins: USDT (Tether), the most liquid stablecoin globally, and USDC (USD Coin), which is fully backed and regulated. We focus on stablecoins for predictable pricing and reduced volatility risk. Additional assets may be added based on client demand.
Which blockchain networks do you support?
We support multiple blockchain networks for flexibility: Ethereum (ERC-20), the most established and widely supported option; Polygon (Polygon PoS), a fast and low-cost alternative to Ethereum; Tron (TRC-20), popular in Asia with very low fees; and Solana (SPL), offering ultra-fast, low-cost transactions. Important: Always select the correct network when sending crypto. Sending to the wrong network may result in permanent loss of funds.
Which blockchain networks do you support?
We support multiple blockchain networks for flexibility: Ethereum (ERC-20), the most established and widely supported option; Polygon (Polygon PoS), a fast and low-cost alternative to Ethereum; Tron (TRC-20), popular in Asia with very low fees; and Solana (SPL), offering ultra-fast, low-cost transactions. Important: Always select the correct network when sending crypto. Sending to the wrong network may result in permanent loss of funds.
Which countries do you serve?
We support clients in 130+ countries globally, with primary focus across four regions: Europe (UK, EU member states, Switzerland, and Norway); the Americas (USA, Canada, Brazil, Mexico, and Chile); Asia-Pacific (Singapore, Hong Kong, Australia, Japan, and South Korea); and the Middle East & Africa (UAE, South Africa, and Kenya). We cannot serve clients from sanctioned countries. Contact us to confirm if your country is supported.
Which countries do you serve?
We support clients in 130+ countries globally, with primary focus across four regions: Europe (UK, EU member states, Switzerland, and Norway); the Americas (USA, Canada, Brazil, Mexico, and Chile); Asia-Pacific (Singapore, Hong Kong, Australia, Japan, and South Korea); and the Middle East & Africa (UAE, South Africa, and Kenya). We cannot serve clients from sanctioned countries. Contact us to confirm if your country is supported.
My transaction is stuck or delayed. What do I do?
Transaction delays can happen for several reasons: blockchain network congestion (check the status page and wait for the network to clear); compliance review, where your transaction may be flagged for manual review with a typical wait of 2–8 hours; bank processing delays, as weekends and bank holidays can add 1–2 days; or insufficient gas fees, which may cause a blockchain transaction to get stuck (contact support if this occurs). Check your transaction status in the M-Pay Portal, and if delays extend beyond expected timeframes, contact support with your transaction ID.
My transaction is stuck or delayed. What do I do?
Transaction delays can happen for several reasons: blockchain network congestion (check the status page and wait for the network to clear); compliance review, where your transaction may be flagged for manual review with a typical wait of 2–8 hours; bank processing delays, as weekends and bank holidays can add 1–2 days; or insufficient gas fees, which may cause a blockchain transaction to get stuck (contact support if this occurs). Check your transaction status in the M-Pay Portal, and if delays extend beyond expected timeframes, contact support with your transaction ID.
Can I cancel a transaction?
Cancellation depends on the transaction stage. Before payment is sent, you can cancel at any time. If payment is pending, cancellation may still be possible if funds have not yet been received. Once payment has been received or crypto has been sent, cancellation is no longer possible as blockchain transactions are irreversible. If a transaction is in compliance review, it will be refunded if rejected. For off-ramps, once crypto is received and confirmed, the transaction cannot be cancelled.
Can I cancel a transaction?
Cancellation depends on the transaction stage. Before payment is sent, you can cancel at any time. If payment is pending, cancellation may still be possible if funds have not yet been received. Once payment has been received or crypto has been sent, cancellation is no longer possible as blockchain transactions are irreversible. If a transaction is in compliance review, it will be refunded if rejected. For off-ramps, once crypto is received and confirmed, the transaction cannot be cancelled.
How can I contact support?
We offer multiple support channels: email at support@m-pay.io with a response within 24 hours; live chat available in the M-Pay Portal Monday to Friday, 9am–6pm GMT; support tickets submitted through the portal for tracked issues; and phone support available for enterprise clients. For urgent issues outside business hours, use the emergency contact option in your portal.
How can I contact support?
We offer multiple support channels: email at support@m-pay.io with a response within 24 hours; live chat available in the M-Pay Portal Monday to Friday, 9am–6pm GMT; support tickets submitted through the portal for tracked issues; and phone support available for enterprise clients. For urgent issues outside business hours, use the emergency contact option in your portal.
MSB Registration: C100000603 Registered with FINTRAC
Payment services offered in the M-Pay portal are provided by banking partners, licensed to operate in all jurisdictions in which M-Pay operates.