All in one banking, compliance, payment and payout infrastructure -

reimagined and built for cross-border businesses

Why Machnet

Our single API solution will help you build, launch and scale your business in matter of weeks.

Launch in less than 4 weeks

Build in our sandbox. Test in our production staging.
Go live.

Save 95% in fixed and
monthly costs

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

Built for scale

We do all the heavy lifting- regulatory requirements, compliance tools and bank relationships. You can focus on scaling faster.

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 \  
-H ‘Accept: application/json’ \  
-H ‘X-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, \  
“fee_amount”: 0, \    
“recipient_currency”: “string”, \    
“sender_id”: “string”, \    
“note”: “string”, \  
“remittance_purpose”: “string”, \  

“ip_address”: “string”, \    

}

Powerful APIs with the flexibility
you need.

Explore our APIs and documentations and build unique and trustworthy products that speak to you and your user.

Our Partners