About
Bank-grade under the hood, modern fintech on the surface
MVP Payments is an Open Banking infrastructure company. We build and run the technology licensed payment initiation service providers need — direct bank connections in nine markets, the monitoring that keeps them working, and the API, hosted payment page and dashboard on top — so that a PISP can put its licence to work without building any of it.
Unlike aggregator-built products, MVP Payments connects to banks directly. That means fewer moving parts between a payer's approval and your merchant's settlement, and it means when a bank misbehaves, we can see exactly where and act on it — because the connection is ours.
We are a small, senior team that uses AI heavily and deliberately: every connected bank has a dedicated AI agent that carries the working knowledge of that bank, and every change to a live system is reviewed and released by an engineer. It is how a focused team keeps a large estate of bank connections healthy. Read how monitoring works.
How we operate
We are a technical provider, and we never hold funds. Under PSD2, a payment initiation service provider instructs the payer's bank and the money moves directly from the payer's account to the beneficiary's. MVP Payments never enters into possession of funds — there is no wallet, no float, no settlement account in the middle.
Every payment is initiated under an authorised PISP licence and that licence holder's certificates. Our clients bring their own PISP authorisation and their own eIDAS certificates, with MVP Payments acting as their technical service provider — see how bring-your-own-licence works. Separately, we are preparing our own application to Banca Națională a României for authorisation as a payment institution providing payment initiation services. We keep this page current as that authorisation progresses.
Strong customer authentication always happens with the bank — in the payer's own banking app or on their bank's own pages. Where a bank's journey requires credentials to pass through our systems, they are forwarded to the bank in transit only: never stored, never logged.
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