Mangopay

Mangopay is a wallet-based payment infrastructure purpose-built for marketplaces, platforms, and crowdfunding. It provides multi-currency wallets, global payouts, and embedded payment flows that let you control, split, and settle money across every party in a transaction.

Built around unlimited virtual wallets assignable to any user or entity, Mangopay handles the full money lifecycle — from payment acceptance via any acquirer to virtual IBANs and local settlement. KYC/KYB identity verification across 170+ countries and AI-powered fraud detection are included out of the box.

Key benefits:

• Multi-party payment splits automate complex distribution across vendors, platforms, and subaccounts
• Virtual IBANs enable faster local settlement and simplified reconciliation
• FX management handles cross-border money movement across multiple currencies
• KYC/KYB automation verifies users and businesses across 170+ countries
• AI fraud detection monitors transactions in real time to reduce chargebacks
• Global payout network distributes funds to recipients worldwide

Mangopay is an EU-licensed and regulated Electronic Money Institution (EMI) registered with the European Banking Authority, headquartered in Luxembourg. It operates under EU financial regulations and GDPR, making it a trusted foundation for European platforms handling complex payment flows.