P2P digital wallet

Onboard and open wallets for users in the US
Load funds via ACH & cards
Transfer funds between wallets
Send funds within the US or to 100+ countries
Pay US-domestic or international bills

Why Machnet

We do the heavy lifting of compliance, regulatory requirements and banking, so you can focus to build, launch and scale your business. Our API platform enables you to onboard customers, collect funds and payout globally.

Start offering international payment services - in 6 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.

curl --location -g --request POST 'https://api.machpay.com/v4/users/{{userId}}/transactions' \
--header 'X-Client-Id: xxxx-xxxx-xxxx' \
--header 'X-Client-Secret: xxxx-xxxx-xxxx' \
--header 'Content-Type: application/json' \
--data-raw '{
     "from_amount":1,
     "exchange_rate":6.11,
     "to_amount":6.11,
     "fee_amount": 0,
     "to_currency":"GHS",
     "from_currency":"USD",
     "from_fund_id":"{{fromAccountId}}",
     "funding_source_type": "CARD",
     "to":{
            "id": "{{receiveUserId}}",
           "fund_id" : "{{recipientAccountId}}",
            "payout_method":"BANK_DEPOSIT",
          }
}'

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.