02 — Products
Eight modules. One financial fabric.
Pick the modules you need today. Stack the rest as you grow. Same API, same dashboard, same compliance perimeter.
Settled
0/ 8
Volume
$0
Avg. settlement
1.2s
The fabric
Eight modules, one continuous flow.
Every module is a piece of the same fabric. Money flows in, moves across borders, settles where you need it, and the platform you build on top is your own.
Money enters
- Payins
- Named accounts
- Virtual accounts
Across borders
- Cross-border
- FX & OTC
- Stablecoin
Money leaves
- Global payouts
- Local rails
- On-chain settlement
You build on top
- White-label
- Sub-orgs
- Partner economics
Cross-border payments
One API. Every rail. Every corridor that matters.
Move money across borders with optimized FX, predictable settlement, and the right rail picked automatically — local rails where they are fastest, SWIFT where it is needed, stablecoins when speed matters most.
- countries
- 100+
- local rails
- <60s
- avg FX spread
- 0.5%
Instant where it counts
PIX, SPEI, ACH, SEPA Instant, and our MDP API rail settle in seconds.
Transparent FX
Mid-market reference, visible spread, OTC desk for size.
Compliance built-in
KYB, screening, sanctions, travel rule — handled at the platform level.
Idempotent and observable
Every call is safe to retry; every state change is a webhook.
- 01
Initiate
Send a single API call with amount, source and target currency, and beneficiary.
- 02
Smart routing
We pick the optimal rail (local instant, SWIFT, or stablecoin) based on price, speed, and corridor.
- 03
FX execution
Live mid-market quote with locked rate, transparent spread, no hidden markups.
- 04
Settlement
Funds delivered with auditable receipt and webhook updates at every state change.
Global payouts
From one beneficiary to a hundred thousand — same API.
Mass payout infrastructure for marketplaces, remittance, payroll and creator platforms. Batch upload or stream individually, monitor each leg, retry safely.
- payouts/day capacity
- 1M+
- currencies
- 21
- success rate
- 99.97%
Bulk and streaming
Same endpoint scales from 10 to 100,000 payouts per batch.
Built-in screening
Sanctions and PEP checks on every beneficiary, automated.
Smart retries
Failures are routed to the next available rail without re-debiting you.
Reconciliation that works
External reference fields, end-of-day file, downloadable receipts.
- 01
Onboard beneficiaries
Capture banking details with our hosted forms or push them via API.
- 02
Submit a batch
Upload CSV or POST a JSON array. Each item gets its own idempotency key.
- 03
Approve & fund
Optional 4-eyes approval flow; debit a single source account.
- 04
Track every leg
Per-payout webhooks, retry policies, and a reconciliation file at end of day.
Payins
Collect from anywhere. Settle where you actually want the money.
Local payment methods in 40+ countries — PIX, SPEI, ACH, SEPA, OXXO, Boleto, cards, wallets — all converted and settled to your treasury currency on a schedule that fits your business.
- local methods
- 40+
- FX settle
- T+0
- approval rate
- 94%
Local where it matters
Higher conversion than card-only — PIX alone is 80% of Brazilian commerce.
Smart retries & 3DS
Network tokens, soft-decline retries, dynamic 3DS — built in.
Anti-fraud
Velocity rules, device signals, and risk scoring tuned per market.
One reconciliation
All methods, one ledger, one settlement file.
- 01
Show the right method
Drop-in checkout or your own UI with our methods API per country.
- 02
Capture the payment
Customer pays via PIX QR, SPEI, card, voucher — all funneled into one flow.
- 03
Convert at quote
FX is locked at confirmation; no surprises in your treasury currency.
- 04
Settle to your account
Daily payout to your USD, EUR, or local treasury account.
Stablecoin infrastructure
A 24/7 settlement rail that speaks both worlds.
Use USDC and USDT as a programmable settlement layer between fiat systems. We handle minting, burning, on-chain custody, and the fiat legs on both ends — you treat it like any other rail.
- supported assets
- USDC · USDT
- settlement window
- 24/7
- avg confirm time
- ~30s
No weekends, no cutoffs
Move value when fiat rails sleep — settlement still happens.
Custody you can audit
Segregated wallets, on-chain proofs, regulated custody partners.
Programmable money
Conditional release, splits, and webhooks at every state.
Multi-chain
Pick the chain that fits the use case — we route automatically.
- 01
Fiat in
Receive fiat in any supported currency, we mint stablecoins to a managed wallet.
- 02
On-chain transfer
Move value across chains (Ethereum, Solana, Polygon, Base) — we abstract the gas.
- 03
Fiat out
Burn stablecoins and pay out in local currency on the destination side.
- 04
Programmable rules
Hold, split, schedule, or escrow — all on the same rail.
OTC liquidity
Deep books for the trades that move your P&L.
Direct desk access for size: tight spreads on emerging-market currencies, programmatic RFQ, post-trade settlement on the rail of your choice — fiat or stablecoin.
- typical ticket
- $50k+
- EM currencies
- 21
- settlement
- T+0
Tight EM spreads
LATAM, Asia, and Africa pairs traded at institutional levels.
Programmatic RFQ
Same desk via API — no copy/paste from chat.
Pre-funded or NDF
Pre-fund for instant; NDFs available where required.
Same-day settlement
Trade in the morning, fund the payout in the afternoon.
- 01
Request a quote
RFQ via API or chat with our desk — receive a firm 2-way price.
- 02
Lock the rate
Accept within the quote window; the rate is yours.
- 03
Choose settlement
Wire, local rail, or stablecoin — same trade, different leg.
- 04
Reconciliation
Trade tickets, FIX-style confirmations, daily statement.
Named accounts
A real account in your client’s name. Reconciliation, solved.
Issue dedicated, named bank accounts to your end-clients in their country and currency. Funds arrive directly to a unique account number you can reconcile against.
- countries supported
- 12
- auto-reconciliation
- 100%
- compliance flow
- KYB+KYC
Real, not pooled
Each end-client gets a unique account number — no shared pool messiness.
Reconciliation by design
Inbound = identifiable. No more orphan transactions.
Compliance ready
Tier-1 banking partners and full KYC packs delivered with each account.
Multi-currency
Issue USD, EUR, GBP, and key LATAM currency accounts.
- 01
Onboard the end-client
Hosted KYC/KYB or pass us verified data; we issue an account.
- 02
Receive in their name
Funds land in a real account branded to your client.
- 03
Auto-reconcile
Each inbound is tagged to the right end-client; webhook fires.
- 04
Sweep or hold
Auto-sweep to your master account or hold for the client.
Virtual accounts
One master account. Infinite reference numbers.
Spin up unique virtual account numbers under a single master account in seconds. Each VAN identifies an invoice, customer, or use case automatically — perfect for AR at scale.
- VANs per account
- ∞
- issue time
- <1s
- currencies
- 8
Issue in real-time
Generate at checkout, on invoice creation, or per customer.
Perfect AR matching
No more "unknown deposit" — every cent is mapped.
Multi-currency
USD, EUR, GBP, BRL, MXN, COP, ARS, CLP under one umbrella.
Audit-clean ledger
Every VAN, every transaction, queryable forever.
- 01
Open a master
One master account per currency, fully reconciled.
- 02
Issue a VAN
Generate a virtual account number on-demand for any reference.
- 03
Match on receipt
Each inbound carries the VAN — auto-attached to the right invoice.
- 04
Sweep nightly
Funds consolidate into the master; ledger stays per-VAN.
White-label payments
Launch your own cross-border product. We are the engine; you are the brand.
Embed our entire stack — payins, payouts, FX, accounts, stablecoins — under your brand. Hosted UIs, white-label dashboards, and a partner ledger so your customers never see us.
- typical launch
- 8 wks
- your brand
- 100%
- partner economics
- rev share
Full stack, your brand
Everything Mesa offers, ready to relabel.
We hold the licenses
You ship faster without standing up your own regulatory perimeter.
Sub-org modeling
Manage your customers as first-class entities in our API.
Partner economics
Wholesale pricing, transparent rev-share, monthly statements.
- 01
Co-design the product
Pick the modules you need; we tailor onboarding, fees, limits.
- 02
Brand the surface
Logo, colors, copy, domain — hosted UIs and emails wear your skin.
- 03
Connect via API
Same Mesa API plus partner-scoped objects (sub-orgs, sub-ledgers).
- 04
Go live
Compliance, support, and reconciliation tooling included.
Compliance & trust
Regulated rails. Real receipts. Audit-clean from day one.
One compliance perimeter across all eight modules. Built once, applied everywhere — so your team ships product instead of policy.
Licensed perimeter
Regulated entities and banking partners across the Americas and EU.
KYB & KYC
Hosted onboarding flows or API-first verification — your call.
Transaction monitoring
Sanctions screening, PEP checks, and travel rule on every leg.
Auditable trails
Every state change is a webhook. Every payment is a receipt.
SOC 2 & encryption
Encrypted at rest and in transit. Signed webhooks. Key rotation.
For developers
One API across every module.
RESTful, idempotent, observable. Same auth, same errors, same webhooks — whether you are sending a payout, taking a payin, or settling on-chain.
1const tx = await mesa.payments.create({ 2 amount: 25_000, 3 source_currency: 400">"USD", 4 target_currency: 400">"BRL", 5 beneficiary_id: 400">"ben_8a21b7", 6 rail: 400">"auto", 400">"text-background/40">// auto | spei | pix | ach | swift | mdp_api 7 idempotency_key: 400">"inv_2026_04_8821", 8}); 9 10400">"text-background/40">// → tx.status: 400">"settled"11400">"text-background/40">// → tx.fx.rate, tx.fx.spread_bps, tx.receipt_urlFrequently asked
Answers, before you ask.
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