Cross-border payment rails
for fintech builders.
Market Pay gives fintech teams the licensed infrastructure to collect, hold, and pay out across borders. No compliance stack to build, no acquiring relationships to form.
Apply nowWhat we solve
Every cross-border challenge fintech teams face
Building cross-border rails from scratch takes years. Market Pay gives you the infrastructure day one — licensed, compliant, and ready to embed.
30+ local payment methods, embedded via one API. Your users pay with what they already know.
Segregated accounts in 30+ currencies, fully compliant. Real-time balance queries via API.
AML screening, PCI DSS Level 1, and MSB licensing — already built into the platform.
One API call routes to bank accounts in 100+ countries same-day. We handle compliance and delivery.
How it connects
Three products. One infrastructure layer.
Your fintech product sits on top. Market Pay handles the payment rails, the compliance, and the cross-border complexity underneath.
Embed 30+ local payment methods via one API — PayNow, GrabPay, PromptPay, and more. No acquiring contract per market, no per-country compliance work to manage.
See Payment GatewayHold user balances in SGD, USD, HKD, JPY and 30+ more currencies inside your product. Accounts are segregated, compliant, with real-time balance queries via API.
See Collection AccountLet users withdraw same-day to bank accounts in 100+ countries. Trigger payouts via API — we handle routing, FX conversion, and delivery confirmation on every transfer.
See PayoutsFintech features
Built specifically for fintech builders
Four capabilities fintech companies use to collect, hold, and pay across every market they serve.
Embed local payment methods without acquiring yourself
Building local payment acceptance in Singapore, Thailand, and Indonesia means separate acquiring contracts, compliance reviews, and integration work in each market. We give you all of them through one API — go live in days, not months.
Power multi-currency wallets without building custody
Your users want to hold SGD, USD, and HKD in your app. Building compliant custody infrastructure for each currency takes years and a licensing team. We handle the holding, compliance, and real-time balance layer so you can build the product on top.
Learn about Collection Accounts
Let users withdraw same-day to 100+ countries
Slow withdrawals kill fintech retention. We route user disbursements through local payment networks so funds arrive same-day in most markets — with a delivery webhook your product can surface in real time.
Learn about PayoutsShip with compliance already handled underneath
Every transaction on Market Pay is screened against AML rules in real time. PCI DSS Level 1, MSB licensing, and FINTRAC registration are already in place. Your legal team gets a compliance layer they can present to regulators without building it themselves.
See security and compliance
"We needed multi-currency wallets and local payment collection in six markets. Building it ourselves would have taken 18 months. Market Pay got us live in three weeks."
CTO · Cross-border fintech platform · Singapore
Frequently asked questions
Questions from fintech teams
If yours isn't here, our team replies within one business day.
Yes. Market Pay is designed to be embedded — your product calls our API, and we handle the payment rails, compliance, FX, and network connections underneath. We do not require your users to interact with Market Pay directly. Everything surfaces through your own product interface.
Yes. Our hosted checkout can be fully branded with your logo, colors, and domain. Your users see your product throughout the payment flow. API integration gives you complete control over the UI so there is no Market Pay branding visible to end users.
Market Pay holds the licenses and runs the compliance infrastructure — AML screening, PCI DSS, and MSB registration. As the platform, we are responsible for the regulated layer. Your team handles KYC for your own users; we handle the payment-level compliance requirements that sit below your product.
Most fintech teams complete their first integration in one to three weeks. We provide a full sandbox environment, detailed API documentation, and onboarding support. Teams with existing payment API experience typically go live faster. We assign a dedicated technical contact for fintech integrations.
Yes. Through our Global Collection Account infrastructure, you can give each user a multi-currency wallet with balances in 30+ currencies. Query balances, trigger conversions, and initiate withdrawals all through our API. Funds are held in segregated accounts and never commingled with operational capital.
Embed cross-border payment rails today
API access, full documentation, and a sandbox environment. Most fintech teams ship their first transaction within three weeks.
Apply now