Mesa de Pagos
    Cross-border payments infrastructure

    Your money, everywhere it needs to be.

    Mesa de Pagos is a modular infrastructure for cross-border payouts, payins, FX, and stablecoin settlement — built for the companies redefining global commerce.

    Open an accountRead the docs

    For companies

    Built for how your finance team actually moves money.

    From a self-serve platform to a full OTC desk — pick the way you want to operate, not the tool you can put up with.

    Featured · US named account

    A US bank account in your company's name. Wired to the world over SWIFT.

    Open a named USD account at a US institution and route international payments through our SWIFT rails — all from one dashboard, with one onboarding.

    • A real US account, in your company name
    • Receive USD wires from any bank, anywhere
    • Send wires worldwide on SWIFT
    • Audit-ready trail on every payment
    Open a US accountSee SWIFT coverage

    OTC desk · High volume

    OTC desk

    OTC Desk

    White-glove FX and settlement for treasuries moving more than $200k per ticket.

    • Trades from $200k and up
    • Settle in physical USD or stablecoin
    • Dedicated dealer on every trade
    Talk to an executive

    Platform · Self-serve

    Most popular

    Platform

    A fully self-managed platform — move money on-demand from a dashboard or API, built for finance teams that ship.

    • Mid-market FX, no hidden spread
    • Lower fees as your volume grows
    • Always-on access — dashboard + API
    Open an account

    Live FX

    Real rates, in real time.

    The same engine powering Mesa de Pagos. Mid-market rates for 21 currencies, plus live P2P pricing for BOB.

    Loading…

    Live

    Transfer method

    01 — Primitives

    Three primitives. Endless flows.

    Compose payments however your business needs to move value.

    Pay

    01

    Send money to suppliers, contractors, and beneficiaries in 100+ countries with optimized FX and multiple rails.

    Receive

    02

    Collect from clients worldwide through local payment methods, named accounts, and virtual accounts.

    Settle

    03

    Use stablecoins as a settlement rail combined with fiat. Faster, programmable, transparent.

    02 — Products

    A modular financial infrastructure.

    Eight building blocks. One API. Pick what you need today, add the rest as you grow.

    Explore product
    PAY

    Cross-border payments

    International money movement with speed, better FX, and multiple rails.

    Explore product
    PAY

    Global payouts

    Mass payouts to beneficiaries globally with automation and scale.

    Explore product
    RECEIVE

    Payins

    Receive funds from any country through local payment methods.

    Explore product
    SETTLE

    Stablecoin infrastructure

    Stablecoins as a settlement rail combined with fiat systems.

    Explore product
    SETTLE

    OTC liquidity

    Liquidity layer for large transactions and FX optimization.

    Explore product
    RECEIVE

    Named accounts

    Dedicated accounts per client for reconciliation and traceability.

    Explore product
    RECEIVE

    Virtual accounts

    Multi-currency account infrastructure for receiving funds.

    Explore product

    03 — Solutions

    Built for how your business actually moves money.

    From paying overseas suppliers to running cross-border payroll — pre-built flows for the work you already do.

    Local rails

    PayIns & PayOuts in your market

    Country-specific rails, banks, wallets and compliance — one API across Latin America.

    See all countries
    BoliviaBOBChileCLPPeruPENBrazilBRL

    04 — Coverage

    Plug into the world's clearing masterboard.

    Skip intermediary layers. Route funds across borders by connecting to domestic payment rails through a single integration.

    Explore coverage

    North America

    12ms

    Active rails

    • ACH
    • FedNow
    • Wire
    • RTP

    Latin America

    41ms

    Active rails

    • PIX
    • SPEI
    • PSE
    • CBU

    Europe

    28ms

    Active rails

    • SEPA
    • SEPA Inst
    • FPS

    Asia-Pacific

    85ms

    Active rails

    • UPI
    • IMPS
    • PayNow
    • FAST

    Africa

    102ms

    Active rails

    • M-Pesa
    • NIBSS
    • EFT

    Base settlement

    L1

    Global rails

    • SWIFT
    • USDC
    • USDT
    Explore coverage

    05 — Developers

    An API engineers actually want to use.

    RESTful endpoints, idempotent requests, webhooks, sandbox environment, and SDKs for every major language.

    Read the docsAPI reference
    mdp.qr.create.ts
     1// Disburse via QR — Bolivia local rails (BOB)
     2const qr = await mdp.qr.create{
     3  amount: "1500.00",
     4  currency: "BOB",
     5  reference: "order_8821",
     6  expires_in: 900,
     7}, { headers: { "api-key": process.env.MDP_API_KEY } };
     8
     9// → qr.image_url · qr.payload · webhook on settlement

    06 — FX & Liquidity

    Real FX. No hidden spreads.

    Mid-market rates, transparent fees, and OTC liquidity for size.

    Live rates

    incl. 1% spreadLive
    • USD→MXN
      …·
    • USD→BRL
      …·
    • USD→COP
      …·
    • USD→ARS
      …·
    • USD→CLP
      …·

    Frequently asked

    Answers, before you ask.

    The five most-helpful questions, ranked by what other readers found useful. Vote to help us keep this list sharp.

    See all questions & ask your own

    Live in under 24 hours. Powered by AI.

    See how a fintech went from signup to collecting cross-border payments in a single day using our AI-assisted onboarding and API. Your use case could be next.

    See the use caseTalk to an executive
    Regulated & licensed

    Licensed where you move money.

    We operate through regulated entities and licensed partners in every jurisdiction. No shortcuts.

    See regulatory perimeter

    • Bolivia

      ASFI

    • Chile

      CMF

      In progress

    • Brazil

      BCB

      In progress

    • Peru

      SBS

      In progress

    • Argentina

      BCRA

      In progress

    • USA

      FinCEN

    • EU

      EMI

    • China

      Partner