MailPay

Platform

The European payment stack — wrapped in an email address.

MailPay sits on top of the same regulated rails your bank uses. We hide the IBAN, not the standards.

Alias directory

Email and phone are registered as official SEPA proxies, mapped 1:1 to the underlying IBAN.

SEPA Proxy Lookup (SPL)

Operated under the EPC scheme — the same registry your bank uses for Bizum, Bancontact and iDEAL.

Verification of Payee

Mandatory name-match check (EU Reg. 2024/886) prevents misdirected and authorised push payment fraud.

SEPA Instant rails

pacs.008 messages clear across the EBA RT1 / TIPS network in under 10 seconds, 24/7/365.

camt.054 notifications

Real-time webhooks the moment funds land — perfect for marketplaces and SaaS billing.

PSD2 & GDPR

Licensed Payment Institution, strong customer authentication, EU-hosted infrastructure, data-minimisation by design.