Multi-party payments, on your terms

Mangopay provides wallet-first payment infrastructure for platforms with complex, multi-party money flows. Platforms can use programmable wallets and one ledger to collect, hold, split, reconcile, transfer, and pay out funds around their own business model. We also support Multi-PSP setups for simplified ledgering and reconciliation.

Wallet-first payment infrastructure uses wallets as the building blocks of a platform’s payment flows. Instead of moving money directly from pay-in to payout, platforms can assign funds to users, businesses, currencies, or use cases and define how those funds move over time. This gives platforms the flexibility to design and adapt payment flows around their business model, rather than having to fit their operations into a fixed payment structure.

A programmable wallet is a balance that can be assigned to a user, business, currency, or use case, with movement rules controlled through the platform’s logic. It can support flows such as holding funds, allocating fees, splitting payments, refunds, transfers, and payouts.

Mangopay lets platforms manage money movement across multiple participants, such as buyers, sellers, partners, suppliers, hosts, and the platform itself. Funds can be collected, held, allocated, transferred, reconciled, and paid out from one wallet and ledger infrastructure - across multiple PSPs.

Mangopay is designed for enterprise platforms with complex payment flows, including marketplaces, financial and digital asset platforms, on-demand platforms, travel and hospitality businesses, and other multi-party business models that need more control over how funds move.

Mangopay can support architectures where payment acceptance and wallet-based settlement are separated. This can allow platforms to connect supported payment sources to Mangopay’s wallet and ledger infrastructure while keeping more control over balances, allocation, reconciliation, and payouts.

Mangopay’s wallet model can support flows where funds are held before release, helping platforms separate pay-in from payout and apply their own approved business rules before money moves to the next destination.

Mangopay records wallet balances and money movements in one ledger, helping platforms connect collections, transfers, fees, refunds, conversions, and payouts to the underlying payment flow. This gives finance and operations teams a clearer view of where funds are and how they moved.

More control over payment flows can help platforms build monetization into their business model, for example through platform fees, commissions, payout services, foreign exchange, and wallet-based re-spend experiences, depending on the use case and approved product setup.

Mangopay combines payment infrastructure with regulated operational capabilities such as onboarding, eligibility checks, KYC/KYB workflows, transaction monitoring, and dispute handling. Exact availability and regulatory scope depend on the market, product, and use case.