MTRX Pay doesn't move money itself. It decides, for each payment, which connected partner should, then records the outcome as one event the merchant can reconcile.
Non-custodial means merchant funds sit with regulated partners, not with MTRX Pay. Named partners, supported markets and certifications will be listed only once contracted and verified.
From a no-code payment link to a full API integration. Merchants can start simple and grow into the API without changing accounts.
Create a request for a fixed or open amount, share it by any channel, and let the customer pay by the methods enabled on the merchant profile. A dedicated wallet is created per transaction on verification acceptance, giving a clean audit trail per payment.
POST /v1/payment-linksA branded, MTRX-hosted payment page the merchant redirects to or embeds. Handles method selection, currency presentation and the result page, so the merchant never touches card data.
GET /checkout/{session_id}REST API with API-key authentication for creating payment sessions, querying transactions and managing settlement preferences. Idempotency keys on all writes.
Authorization: Bearer mtrx_live_…Signed event notifications for every lifecycle transition, with retries and a replay endpoint. Until then, transaction state is available by polling the API.
payment.settled · payment.failed · payout.sentIllustrative request and response shape. Field names are subject to change until the API reference is published.
# Request POST /v1/payment-links { "amount": 124000, "currency": "GBP", "reference": "INV-0412", "customer": { "email": "ops@orbittravel.example" }, "idempotency_key": "c1f8…" } # Response { "id": "pl_01HZX…", "url": "https://pay.mtrxpay.com/l/01HZX…", "status": "open", "wallet_id": "wal_01HZY…", "fee_preview": { "merchant_fee": "shown before payment" } }
Whichever route a payment takes, the merchant sees a single transaction moving through a fixed set of states. Routing decisions and partner references are attached to that record, not scattered across providers.
State names illustrative pending the published reference. Every transition carries a timestamp, actor and partner reference for reconciliation.
Nothing transacts before the business and the people behind it are verified. This is what lets us serve sectors others avoid.
Business verification through Sumsub: registration, ownership structure, directors and ultimate beneficial owners. Separate individual and business applicant paths.
Identity and liveness checks on owners and authorised users. Wallet creation is gated on verification acceptance.
Sanctions, PEP and adverse-media screening at onboarding and on an ongoing basis, through the verification partner and connected rails.
Rule- and risk-based monitoring with case management, feeding routing decisions and merchant risk tiers.
Infrastructure assessed against PCI DSS v4.0.1; card data handled by partners and hosted pages, never by merchant systems. Certification status will be published when attained.
Each payment lands in its own wallet, so balances, fees and partner references can be reconciled at the transaction level, not just the batch.
The merchant fee and net amount are computed and stored at settlement, so statements match the ledger line for line.
Settlement across bank transfer and supported stablecoin rails, with the rail recorded against each record and withdrawal to the merchant's bank or wallet on a visible schedule.
Ledger exports and reconciliation reports by period, partner and rail; API access to the same data.
# Ledger line (illustrative) txn_id txn_01J2K… reference INV-0412 gross 1240.00 GBP merchant_fee -TBC net TBC rail partner_ref · rail_type settled_at 2026-…T…Z wallet_id wal_01HZY…
The platform is only as good as the rails and services connected to it. We're actively talking to the following kinds of partner.
Card acquiring and alternative payment methods across the markets our merchants sell into. Geographic diversity is a design goal, not a fallback.
Settlement accounts, Open Banking collection and payout rails for merchants that pass our due diligence.
Regulated on/off-ramp and stablecoin settlement providers, on terms that reward quality of flow over raw volume.
Marketplaces, SaaS and vertical platforms that want to offer payments to the businesses the mainstream turns away.
Current partner names are not listed until agreements are signed and verified. If you'd like to be one of them, the conversation starts below.