For developers
Build global money movement on one API
Open accounts, add recipients, pay out in GBP and EUR with verification of payee, and reconcile every transaction. One REST API, JSON in and out, a webhook for every state change.
Each capability is a set of endpoints in the API reference. Build the flow you need without stitching together a bank, an FX provider, and a separate ramp.
Open accounts and dedicated IBANs over the API in GBP and EUR, with sub-accounts to hold balances per end customer.
Create recipients, then send payouts in GBP and EUR, choosing the SEPA scheme for euro payments.
Check payee details before you send, so payments reach the right account first time.
Subscribe to state changes and replay missed events, so your systems stay in sync without polling.
List and look up every transaction, and initiate payin reversals, all traceable to source.
Request account statements and reports for reconciliation and finance workflows.
Merge holds its own licences, so the compliance work sits inside the payment flow instead of on your roadmap.
Onboarding is assisted. Our team guides you through registration and KYB, then supports you from sandbox testing to live operations.
Read the docs, request sandbox access, and integrate against your existing stack. Our team is here when you want to talk architecture.
Yes. The sandbox uses the same endpoints and objects as production, and lets you top up test balances, so you can build and test a full flow, from opening an account to receiving a webhook, before switching to production keys.
Merge sends an event for every state change across accounts, recipients, payouts, and transactions. You subscribe to the events you need, and you can replay any missed events, so your systems stay in sync without polling the API.
Yes. Payouts are created over the API, so you can trigger them from events in your own application, with limits and role controls applied. This is how teams replace manual bank transfers with automated, event-driven flows.
You can set the payment scheme on each payout. For euro payments you choose SEPA Instant or SEPA credit transfer, and when a scheme is set, the payment is routed only through that scheme.
No. Stablecoins are used as settlement infrastructure inside Merge. Your users transact in local currency and never need to hold or manage a wallet, while you keep the option to pay in or out in stablecoins where it helps.
Client funds are held in segregated, safeguarded accounts under Merge's own licences, kept separate from Merge's own money. This means you can build regulated flows without acquiring payment or e-money licences yourself.
