New: SEPA Proxy Lookup is live in 36 countries

Pay anyone with just an email address.

MailPay turns your email into a bank account alias. Send and receive euros across Europe — instantly, securely, and without ever sharing an IBAN.

No credit card required EU-hosted & GDPR-compliant PSD2-licensed Payment Institution
Send money to
lisa@email.com Verified — Lisa Martens
€ 42.50
Dinner Friday

Platform

Everything a payment system should be.

Built on European banking rails. Designed for the way people actually share money.

Pay by email

Forget IBANs. Just type the recipient's email or phone — we resolve it through the SEPA Proxy Lookup directory.

10-second settlement

Powered by SEPA Instant (SCT Inst). Money lands in the recipient's account in under ten seconds, 24/7.

Verification of Payee

Every transfer is name-matched against the registry, eliminating misdirected payments and APP fraud.

All 36 SEPA countries

One alias works across the eurozone — Belgium, Netherlands, Germany, France and beyond.

Bank-grade security

PSD2 Strong Customer Authentication, biometric approval and end-to-end encrypted transaction data.

No hidden fees

Free for personal transfers under €1,000 / month. Transparent flat fees for business.

01

Register your alias

Link your email and phone to your existing IBAN — a one-time KYC check.

02

Share your email

That's it. Anyone with MailPay or a supporting bank can pay you instantly.

03

Settled in seconds

Funds clear via SEPA Instant. You see them in your account in under 10 seconds.

The end of IBANs is here.

Open a free MailPay account and start sending money the way you send messages.