MPAYX – Money Transfer Software
MPAYX MOBILE APP — YOUR DIGITAL FRONT DOOR
Our mobile app is the always-on, white-labeled channel that brings our ecosystem to your customers’ hands. It is where onboarding, payments, cards, and Open Banking journeys come together with the same reliability and compliance standards we run in the background. We design the app to feel like your brand, powered by our Middleware and operated from our Back Office, so you launch faster and scale safely across regions.
WHY THE MOBILE APP MATTERS
-
Primary customer touchpoint: first impression, daily engagement, and support in one experience.
-
Faster growth at lower cost: push notifications, in-app offers, and self-serve journeys reduce CAC and support load.
-
End-to-end control: from KYC to settlement receipts, every step is traceable, auditable, and brand-consistent.
WHAT THE APP DOES (AT A GLANCE)
-
Onboarding and KYC/AML: smooth sign-up, document capture, liveness, sanctions/PEP checks, risk-based approvals.
-
Cross-border payments: create beneficiaries, live FX pricing, send to bank, card, or mobile money; real-time status.
-
Prepaid cards: view cards, set limits, freeze or unfreeze, view PIN, manage 3DS2 or SCA challenges in-app.
-
Open Banking (AIS/PIS): connect accounts for instant bank payments and balances or transactions where supported.
-
Wallets and balances: multi-currency wallets with fees and limits per corridor and instant history.
-
Notifications: rate alerts, payment updates, receipts, and exception prompts via push, SMS, or email.
-
Support and help: in-app chat or ticketing, FAQs, and secure document upload.
HOW THE APP FITS OUR ECOSYSTEM
-
Powered by Middleware (Orchestrator): the app connects to our Middleware for rules-based routing, partner connectivity (banks, PSPs, FX, KYC or RegTech), failover, and observability.
-
Operated in Back Office (Control Room): run onboarding reviews, EDD, risk scoring, reconciliations, settlements, refunds, chargebacks, limits, fees, and reporting in our Back Office. Maker-checker and granular roles on every action.
-
One brand, many rails: we abstract bank transfers, cards, mobile money, and Open Banking behind a single branded experience. Add corridors, partners, or products without rebuilding the app.
SECURITY AND COMPLIANCE BY DESIGN
-
SCA or 3DS2 in-app challenges with device binding and secure fallbacks.
-
Encryption in transit and at rest; tokenization of sensitive data.
-
Fraud controls: velocity checks, device signals, behavior flags, and risk workflows.
-
Audit trails: every event is time-stamped and traceable.
EXPERIENCE AND GROWTH FEATURES
-
Performance: low-latency screens and quick task completion.
-
Localization: multi-language UI, local fee and tax display, regional content.
-
Engagement: offers and nudges (for example complete profile, verify to raise limits).
-
Accessibility: clear typography and screen-reader support.
BRANDING AND CUSTOMIZATION
-
White-label UI: logo, colors, typography, icons, and tone of voice.
-
Configurable journeys: turn features on or off per country, corridor, partner, or customer segment.
-
Content management: update FAQs, banners, and rates messaging without code changes.
-
Card experience: branded card art, tokenization flows, and card controls aligned to your policies.
ANALYTICS AND REPORTING
-
Funnel analytics: onboarding completion, KYC pass rates, time to first transfer, drop-off points.
-
Payments KPIs: approval rates, average ticket, corridor mix, FX margin, refund and chargeback ratios.
-
Engagement: MAU or DAU, cohort retention, push opens, feature adoption.
-
Ops health: SLA metrics, reconciliation gaps, exception queues, case resolution times.
OPERATING MODEL OPTIONS
-
White-label launchpad: branded iOS or Android apps connected to our Middleware and Back Office.
-
Phased enablement: start with cross-border, add cards and Open Banking later without rebuilding.
-
Managed operations (optional): we can operate the stack with SLAs while you focus on acquisition and partnerships.
OUTCOMES YOU CAN EXPECT
-
Faster time to market.
-
Higher conversion and approval rates.
-
Lower operating cost through self-serve and automation.
-
Regulatory confidence with end-to-end auditability.
FAQ (MOBILE APP)
-
Does the app support both individual and business users? Yes. We support sender, beneficiary, and business flows with segment-specific limits, fees, and approvals.
-
Can we add or switch partners without a new app build? Yes. Partners and corridors are orchestrated by the Middleware; the app updates via configuration.
-
How do card features work in-app? Card management, 3DS2 prompts, spend controls, and PIN display are native with secure device binding.
-
What does Open Banking enable? Instant bank payments and account info where supported, with consent and SCA built in.
CALL TO ACTION
Put your payments in your customers’ hands. Launch your branded mobile app on our ecosystem and scale with confidence.Stay tuned with future and emerging trends in this market with mPayX, state of the art solution adding more value to the remittance businesses worldwide.
