Single API to move money 

Build and scale your remittance & cross-border payments business in 6 weeks !

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Collect payments from all US states
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Disburse payments in 119+ countries
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Fully compliant infrastructure
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Built-in fraud prevention solution
Machnet-dashboard

Embed our API to start building in sandbox

Compliant infrastructure to meet all regulatory requirements

Collect payments from customers

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Customers can connect their bank accounts to pay via ACH
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Customers can link their cards to pay for the transaction
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Instant account and card verification for seamless user experience
collect payment

Disburse payments to 119+ countries

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Send payments to individuals, businesses, billers
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Send payments to bank accounts, wallets, cards, or as a cash payout
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Create your own payout experience for the users
disburse payments

Built-in compliance infrastructure

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Compliant platform to meet all the regulatory requirements
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Instant identity and document verification to register individual users
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Verify business details and owners to register business users
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AML checks and sanction screening
built in compliance

Built-in fraud prevention solution

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Real-time transaction scoring based on thousands of signals
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Advanced checks to flag stolen or synthetic identities
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Device fingerprints to flag suspicious users during online registration
fraud prevention
Machnet mobile dashboard

Why Machnet

Single API platform that enables you to send, receive and disburse cross-border payments in a matter of weeks.

send payment icon

Start to send and receive payments - in less than 4 weeks

Integrate in our sandbox. Push configurations to production. Go live.

save icon

Save 95% in fixed and monthly costs

No more upfront investment and fixed overheads. Only nominal monthly billables.

scale icon

Built for scale

We do all the heavy lifting- regulatory requirements, compliance tools, and bank relationships so you can focus on customer acquisition.

Our Products

An integrated suite of
payment and banking products

Collect

Collect payments from your user's bank account via ACH or Cards.  

Disburse

Send Payments to individuals, businesses and billers around the world in your preferred currency.

Deposit

Open and manage FDIC insured bank accounts for your users to deposit, send, receive and spend.

Card Issuance

Issue debit cards to provide a compete neobanking service to your users.

Use Cases

International money transfers

Individual remittance transfers to family and friends

Cross-border business payments

Enable your users to create & send invoices

Offer multiple payout options to your users in 45+ countries

Global bill payments

Your users can directly pay bills back home for themselves or their loved ones.

1000+ billers across 24 countries are connected in our network

Notify your users that they have a new bill due

Provide value added service to build a rapport with your users

USD Wallet

FDIC insured deposit bank account with account & routing number

Build digital wallet for your users to deposit, send & receive funds

Enable your user to send/receive peer-to-peer transfers for free

Allow your users to send US-domestic and international wires

Card issuance

Issue free virtual debit card to your individual & business users

Issue physical debit card to your individual & business users

Enable your users to pay at any online or offline merchants

Create a neo banking platform for your users

Use Cases

International money transfers

Individual remittance transfers to family and friends

Cross-border business payments

Enable your users to create & send invoices

Offer multiple payout options to your users in 45+ countries

Global bill payments

Your users can directly pay bills back home for themselves or their loved ones.

1000+ billers across 24 countries are connected in our network

Notify your users that they have a new bill due

Provide value added service to build a rapport with your users

USD Wallet

FDIC insured deposit bank account with account & routing number

Build digital wallet for your users to deposit, send & receive funds

Enable your user to send/receive peer-to-peer transfers for free

Allow your users to send US-domestic and international wires

Card issuance

Issue free virtual debit card to your individual & business users

Issue physical debit card to your individual & business users

Enable your users to pay at any online or offline merchants

Create a neo banking platform for your users

Designed for Developers

curl -X POST
https://sandbox.api.machpay.com/v2/senders/
{senderId}
/transactions \  
-HAccept: application/json’ \  
-HX-Client-Id: clientid’ \  
-H ‘X-Client-Secret: clientsecret’ \  
-H ‘X-Idempotency-Key: idempotencykey’ \  
-d { \    “sender_amount”: 0.01, \    
“exchange_rate”: 1.00, \
“recipient_amount”: 0.01, \
 “sender_funding_account_id”: “string”, \
    “payout_method”: “BANK_EPOSIT” \   

}

Powerful APIs with the flexibility you need.

Explore our APIs and documentation to embed our cross-border payment services and build unique and trustworthy products that speak to you and your user.

Our Partners