M2P Fintech is Asia’s largest API infrastructure company offering a wide range of services that enable businesses of any scale to embed financial services. Founded in 2014 and headquartered in Chennai, the company is an omni-channel platform operating in over 20 markets across Asia Pacific, MENA, and Oceania. M2P works with over 200 banks, more than 100 NBFCs, and has clocked more than 800+ Fintech engagements across various industries, serving over 50 million end users.
M2P pioneers next-gen fintech through innovative offerings across the payments, lending, and banking ecosystem. Its comprehensive tech stack powers the core banking system, core lending suite, BNPL, customized credit cards, prepaid cards, and much more. Operating in over 30 countries, the company’s services are built for speed, scale, and intelligence. It offers an AI-Native Core Stack built with intelligent workflows to make decisions across banking, lending, and payments. A unified and comprehensive stack ensures that clients are able to streamline operations by managing their entire financial portfolio, ranging from banking and cards to merchants and lending, through a unified, cohesive platform. They can stay future-ready, compliant, and ahead of regulations with a platform designed for compliance, control, and scalable expansion. Faster GTM enables pre-integration modules, no-code orchestration, and composable services to shorten launch cycles, while API-driven, customizable infrastructure is seamlessly integrated to allow clients to incorporate financial products into any application or business process.
M2P Fintech is trusted by over 1,200 fintechs, banks, and businesses such as State Bank of India, HDFC Bank, Mercedes-Benz, Meesho, Flipkart, Vodafone, and many more. It is backed by Tiger Global, Beenext, Flourish, Helios Investment Partners, and Insight Partners. As a continuous innovator in the payment operations landscape, it recently acquired AI Startup Mad Street Den to strengthen AI capabilities, boost automation, and reinforce a data-first fintech growth strategy. By virtue of its cloud-native processing platform, real-time multi-currency infrastructure, and global scaling capabilities, CIO Bulletin ranks it among the "Most Innovative Payment Operations Platform 2026."
Comprehensive Embedded Financial Services and API Infrastructure Stack
Prepaid Cards and Custom Program Deployment
M2P Fintech provides dynamic prepaid card solutions that redefine payment experiences by allowing businesses to launch fully customizable card programs tailored to specific client requirements. Designed to serve diverse industry needs, these solutions power ready-to-use gift cards with predefined limits and rewards to boost brand visibility, alongside corporate cards designed for petty cash, travel, entertainment, and miscellaneous expense management with configurable spend limits and online payment integrations. Additionally, M2P’s prepaid architecture supports cross-border remittance through an integrated framework of payroll management, mobile applications, and international payments. For workforce mobility, specialized travel cards offer spend analysis, multi-currency uploads, and companion mobile apps, while 360-degree fleet management solutions streamline operations by monitoring toll payments like FASTag, fuel, lodging, and staff expenses alongside seamless disbursement, card blocking, and withdrawal management.
Cross-Border Remittances and Global Payments
To deliver comprehensive cross-border payment solutions, M2P connects sending entities—such as exchange houses, banks, money transfer operators (MTOs), and fintechs—with last-mile disbursal partners in receiving countries. Operating through a single API integration, the platform simplifies global money movement while facilitating the deployment of multi-currency travel and forex cards. By unifying customer-facing licensed entities with disbursal networks worldwide, cross-border transactions become faster, highly reliable, and strictly compliant.
Cloud-Native Full-Stack UPI Infrastructure
M2P supercharges digital transactions with a scalable, cloud-native UPI stack certified under the NPCI Partner program. Through M2P TPAP, financial institutions, banks, PPIs, and fintechs can build, scale, and launch their own UPI applications with complete regulatory compliance and rapid time-to-market. The platform offers customizable UPI Switch solutions across PSP, TPAP, and merchant stacks, boosting transaction efficiency and ensuring stable payment processing. Integration is further simplified via "Connect," a low-code proprietary platform seamlessly linking over 40 third-party app extensions. Built on a modular microservices architecture, M2P provides lightweight APIs and SDKs covering configuration, provisioning, payments, and account management. This elastic setup allows businesses to launch programs quickly, handle extreme transaction spikes, reduce total cost of ownership by avoiding multi-vendor dependencies, and protect operations using comprehensive electronic Fraud Risk Management (eFRM).
Merchant Acquiring and Payment Processing Operations
M2P reinvents merchant acquiring for financial institutions and payment aggregators through a scalable, secure, and omnichannel platform. The ecosystem simplifies merchant operations using no-code self-assisted or sales-assisted onboarding workflows, digitized KYC/AML checks, social sentiment analysis, and automated risk scoring. Merchants can accept payments across static or dynamic QR codes, payment links, subscription models, APIs, and SDKs using UPI, cards, internet banking, PayLater/BNPL, e-wallets, and multi-currency DCC options. Operational workflows are managed through digitized dispute resolution, offer engines, automated auto-recovery billing, and flexible settlement cycles, including on-demand and instant payouts. Comprehensive settlement and reconciliation capabilities feature real-time, delayed, and up to 4-way reconciliation alongside discrepancy management. Security operations remain paramount, backed by PCI DSS compliance, card tokenization, data encryption in transit and at rest, SSL firewalls, continuous transaction monitoring, and regular infrastructure security audits.
Strategic Purpose, Core Beliefs, and Operational Culture
M2P Fintech has a well-defined vision aimed at making financial infrastructure available to everyone, so that any business can easily incorporate next-generation banking, lending, and payment features. The company's mission is to promote global financial inclusion and to speed up technological change within banks, NBFCs, and fintechs by means of modular, AI-native API platforms. Central to the corporate culture of M2P are core values which stress empathy, innovation, ownership, and respect. Through creating an atmosphere based on transparency, a commitment to ongoing learning, and regular recognition, the company enables its global workforce—referred to as M2Peers—to take bold actions, work together across different fields, and keep pushing the boundaries of technology.
Pioneering Ecosystem for Financial Innovation and Talent Success
M2P Fintech is a leading global banking technology platform, offering a unified, AI-powered infrastructure that simplifies complicated financial processes in various international markets. The platform helps its diverse range of customers—whether they are traditional banks, fast-growing fintech companies, or large global enterprises—speed up their digital transformation by cutting down on launch times, reducing operational costs, and providing solutions that are both future-oriented and compliant with regulatory requirements, thus meeting a wide array of commercial needs. Within the company, an environment is created that enables employees to perform at their highest level through the provision of comprehensive learning ecosystems such as the M2P Academy, thorough wellness programs, clear career development routes that reward performance, and structured mentorship programmes that turn ambition into effective leadership.
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