MassPay, LLC
MassPay operates a global payout orchestration SaaS platform that lets marketplaces, creator platforms, and enterprises send cross-border payments to recipients in 180+ countries via a single REST API spanning bank, card, wallet, and stablecoin rails.
- Company typePrivate
- Founded2019
- HeadquartersLas Vegas, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What MassPay, LLC does
MassPay, LLC operates a global payout orchestration platform that enables businesses to send cross-border payments to recipients in 180+ countries across 70+ currencies through a single REST API integration. The cloud-based SaaS platform aggregates multiple payment rails — including ACH, RTP, FedNow, SWIFT, stablecoins (USDC via Circle and Coinbase), push-to-card via Visa Direct, mobile wallets, cash pickup, and cryptocurrency — and exposes them through a unified interface with SDKs in PHP, C#, Ruby, and JavaScript. Core platform features include Wallet Load (preferred payout flow), Direct Payout, Autopay Rules for recurring disbursements, an AI-driven routing engine that selects optimal rails based on speed, cost, and compliance, and embedded KYC/AML/sanctions screening. Adjacent modules extend the platform with contractor tax compliance (1099/1042-S via TaxBandits at $1 per contractor annually), AI-assisted identity verification (via Veriff), and Global Payee Verification Services (ANI/AVS).
The company targets enterprise marketplaces, creator platforms, fintechs, payroll/HR teams, and multinational enterprises that need to pay distributed contractors, freelancers, or suppliers globally. Go-to-market combines an API-first developer self-service motion (sandbox environment with instant credentials) with an enterprise field-sales motion (dedicated account managers, KYB onboarding, signed MSA). MassPay monetizes primarily through per-transaction payout fees and a 3% FX markup on currency conversions, with smaller contributions from setup fees and tax-compliance subscriptions. The company is privately held, headquartered in Las Vegas with a Canadian operating subsidiary (Massive Commerce Ltd.) for money transmission, holds PCI DSS Level 1 and SOC 2 Type II certifications, and reported 95% year-over-year revenue growth alongside 317% payout volume growth in Q1 2026.
MassPay, LLC firmographics
Firmographics- Name
- MassPay, LLC
- Legal name
- MassPay Holdings LLC
- Website
- https://masspay.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MassPay operates a global payout orchestration SaaS platform that lets marketplaces, creator platforms, and enterprises send cross-border payments to recipients in 180+ countries via a single REST API spanning bank, card, wallet, and stablecoin rails.
- Ownership category
- akta.pro rank
MassPay, LLC industry classification
Industry- Product category
- Cross-Border Payment Orchestration
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Marketplace & Platform Seller Payouts (FSAMAKAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)
Keywords
Where MassPay, LLC is headquartered
LocationHeadquarters
- HQ city
- Las Vegas
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
MassPay, LLC business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Per-Transaction Payout Fees: Fees charged per payout transaction processed through the platform, with fees structured as either deducted from the payee's wallet balance or from the client's wallet. Network and hidden fees are not charged, though receiving banks may charge incoming wire fees for certain methods.
- Setup and Configuration Fees: Non-recurring charges for initial setup and configuration of customers on the platform before going live
- Tax Compliance Services: Annual subscription for contractor tax management at $1 per contractor for W-9/W-8 collection, TIN matching, and 1099/1042-S form generation, plus $1.80 per postal mailing for physical document delivery
- FX Conversion Fees: Foreign exchange markup applied to currency conversions, with standard FX markup of 3% unless different rates are specified in client agreements
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Tax Compliance Service - $1 per contractor annually |
| Transaction based/ take rate | Pay-as-you-go | Transaction-based payout fees (quote-based) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
MassPay, LLC product offering
Product offeringCore offering
MassPay provides a cloud-based Global Payout Orchestration Platform that enables businesses to send cross-border payouts to individuals and businesses across 180+ countries and 70+ currencies through a single REST API integration. The platform aggregates multiple payment rails — bank transfers, push-to-card, mobile wallets, cash pickup, stablecoins, and cryptocurrency — and embeds KYC/AML/sanctions compliance, FX conversion, and contractor tax compliance (1099/1042-S) directly into the payout workflow.
Product overview
MassPay is a global payout orchestration SaaS platform that enables businesses to send cross-border payments to 180+ countries across 70+ currencies via multiple payment rails. The core Global Payout Orchestration Platform serves as the central hub, with product modules including Wallet Load (recommended payout flow where funds load into user wallets), Direct Payout (destination-controlled payouts), Autopay Rules (automated recurring payout routing), Intelligent Payout Routing (AI-driven rail optimization), and Developer Sandbox (self-service API testing). Add-on modules extend the platform with TaxBandits-powered Contractor Tax Service, Circle CPN Managed Payments for USDC stablecoin payouts, Coinbase USDC Cross-Border Payouts for enterprise stablecoin rails, and Global Payee Verification Services (ANI/AVS) for fraud prevention. All capabilities are accessible through a single REST API integration with SDKs in PHP, C#, Ruby, and JavaScript.
Differentiator
Problem solved
Functional benefit
Products and services
- Global Payout Orchestration Platform Core SaaS platform enabling businesses to automate and streamline cross-border payouts to individuals and businesses across 180+ countries, 70+ currencies, and multiple payment rails (bank transfers, cards, wallets, mobile money, cash pickup, and cryptocurrency) through a single REST API integration.
- Developer Sandbox Self-service sandbox environment that mirrors the production API exactly, enabling developers to test account creation, wallet loads, direct payouts, webhook listeners, and reconciliation logic without speaking to the sales team. API keys are available immediately upon registration.
- Contractor Tax Service Integrated tax compliance subscription module for US and international contractor payments. Handles 1099 and 1042 form generation, distribution, and filing, plus W-8/W-9 collection and real-time IRS TIN matching. Priced at $1 per contractor annually plus $1.80 per postal mailing.
- Global Payee Verification Services Verification services including Account Name Inquiry (ANI), Account Validation Services (AVS), and Bank Account & Name Validation that automatically validate recipient account details before payouts are initiated, reducing misdirected payments, reversals, and fraud exposure. Included at no additional cost to clients.
- Circle CPN Managed Payments (USDC Stablecoin Payouts) Stablecoin payout capability powered by Circle's Payments Network (CPN) Managed Payments, enabling businesses to fund, manage, and send payouts using USDC without directly managing digital assets or blockchain infrastructure. Abstracts wallet management, asset conversion, and settlement flows.
- Coinbase USDC Cross-Border Payouts Stablecoin-powered cross-border payout capability using Coinbase's regulated digital asset infrastructure. Coinbase handles custody, compliance, and onchain wallet infrastructure while MassPay manages last-mile payout orchestration across 180 countries. Clients fund in USD, convert to USDC via Coinbase, and disburse globally.
- Visa Direct Cross-Border Payouts Integration enabling real-time cross-border payouts to debit cards, bank accounts, and digital wallets in over 200 markets via Visa Direct rail, with built-in compliance, currency conversion, and identity verification, providing access to 8.5+ billion endpoints globally.
Companies that use MassPay, LLC
Customer profileNamed customers13 records
Segments5 records
Ideal customer profiles3 records
MassPay, LLC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability3 records
Feature5 records
MassPay, LLC partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and supporting.
- CoinbasecoreStrategic partnership enabling USDC-powered cross-border payouts for enterprise clients. Coinbase provides custody, compliance, and on-chain wallet infrastructure while MassPay manages last-mile payout orchestration across 180 countries. Clients can fund in USD, convert to USDC via Coinbase, and disburse globally in USDC, other digital assets, or local fiat.
- Circle (Circle Payments Network)coreExpanded integration with Circle's Payments Network (CPN) Managed Payments enabling businesses to fund, manage, and send payouts using USDC without directly managing digital assets or blockchain infrastructure. MassPay customers can programmatically create wallets, convert balances to USDC, and initiate stablecoin payouts alongside traditional methods.
- TaxBanditssupportingPartnership integrating comprehensive tax compliance services directly into MassPay's platform. Enables automated 1099 and 1042 form management, W-8/W-9 collection, and real-time IRS TIN matching for businesses managing contractor payments.
- PlasmasupportingPartnership to facilitate global stablecoin payouts. Collaboration aims to enhance efficiency of digital currency payments across borders.
- Visa DirectcoreIntegration of Visa Direct into MassPay's payout orchestration platform enabling real-time cross-border payouts to cards, bank accounts, and digital wallets in 200+ markets. Provides built-in compliance, currency conversion, and identity verification without businesses needing to build infrastructure per market.
- JPMorgan ChasecoreEnterprise-grade banking infrastructure partnership providing underlying banking services for MassPay's payout orchestration platform.
- VeriffsupportingIntegration with AI-native identity verification company enabling MassPay to process tens of thousands of identity verifications monthly. Supports document verification and biometric authentication across 200+ countries and 70 currencies.
Scale indicators11 records
Recent moves10 records
Expansion highlights6 records
MassPay, LLC competitors and assessment
Company assessmentDirect peers
- Tipalti: Tipalti is a leading global payout orchestration platform serving marketplaces, ad networks, and platforms with cross-border payee management, tax compliance (1099/1042-S), and FX. Direct overlap with MassPay in marketplace seller payouts, contractor tax services, and integrated payment orchestration.
- Payoneer: Payoneer provides cross-border payout infrastructure for marketplaces, freelancers, and platforms, with multi-currency wallets and global mass-payment capabilities. Competes directly with MassPay on marketplace seller payouts and global freelancer/contractor payments.
- Hyperwallet (PayPal): Hyperwallet, a PayPal-owned mass-payout platform, enables marketplaces and platforms to disburse funds globally to contractors, affiliates, and sellers. Direct competitor to MassPay on enterprise payout orchestration with deeper balance-sheet backing from PayPal.
- dLocal: dLocal is a cross-border payment processor focused on emerging markets, enabling platforms to pay out and collect in local payment methods across LATAM, Africa, and Asia. Comparable to MassPay's emerging-markets payout focus and local-rail aggregation model.
- Wise (formerly TransferWise): Wise operates a global cross-border payment network with multi-currency accounts and low-cost international transfers for businesses and individuals. Competes with MassPay on cross-border B2B payouts, FX transparency, and multi-currency funding.
- Thunes: Thunes is a global cross-border payments network enabling B2B payouts to mobile wallets, bank accounts, and cash pickup points across 130+ countries. Direct comparable on multi-rail global payout orchestration and emerging-market coverage.
Broad incumbents
- Stripe Connect: Stripe Connect is Stripe's marketplace and platform payout infrastructure, enabling platforms to route payments to connected accounts globally. Broad incumbent competitor with substantially larger scale, developer ecosystem, and brand recognition in enterprise procurement.
- PayPal: PayPal is a global payments incumbent offering mass-payout capabilities, multi-currency wallets, and platform disbursements through products like Hyperwallet and Mass Payments. Broad incumbent competitor with massive distribution, regulatory licenses, and balance sheet.
Emerging players
- Deel: Deel is a global payroll and contractor management platform with built-in cross-border payout infrastructure for international contractor payments. Overlaps with MassPay on global contractor payouts, tax compliance (1099/1042-S), and platform-based payment orchestration.
- Remote: Remote is a global HR and payroll platform that handles international contractor and employee payments across 80+ countries. Overlaps with MassPay on cross-border contractor payouts and integrated tax compliance for distributed workforces.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
MassPay, LLC social profiles
Digital presenceMassPay, LLC compliance and trust
Trust signalCompliance6 records
MassPay, LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
MassPay, LLC leadership team
Management profileNumber of profiles
Profiles3 records
MassPay, LLC subsidiaries and ownership
Company hierarchySubsidiaries1 record
MassPay, LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MassPay, LLC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MassPay, LLC
What does MassPay, LLC do?
MassPay provides a cloud-based Global Payout Orchestration Platform that enables businesses to send cross-border payouts to individuals and businesses across 180+ countries and 70+ currencies through a single REST API integration. The platform aggregates multiple payment rails — bank transfers, push-to-card, mobile wallets, cash pickup, stablecoins, and cryptocurrency — and embeds KYC/AML/sanctions compliance, FX conversion, and contractor tax compliance (1099/1042-S) directly into the payout workflow.
Is MassPay, LLC a public or private company?
MassPay, LLC is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MassPay, LLC founded?
MassPay, LLC was founded in 2019. It employs 11 to 50 people.
Where is MassPay, LLC based?
MassPay, LLC is headquartered in Las Vegas, United States, in the North America region.
How does MassPay, LLC make money?
Four revenue lines are on record. Per-Transaction Payout Fees are the primary driver. The others are setup and Configuration Fees, tax Compliance Services and FX Conversion Fees.
Who are MassPay, LLC's main competitors?
Direct peers on record are Tipalti, Payoneer, Hyperwallet (PayPal), dLocal, Wise (formerly TransferWise) and Thunes. Broad incumbents are Stripe Connect and PayPal. Emerging players are Deel and Remote.
Does MassPay, LLC have an API?
Yes. MassPay offers a REST API enabling businesses to send cross-border payouts across 180+ countries in 70+ currencies. The API supports wallet loads, direct payouts, user management, autopay rules, webhook listeners, reconciliation, KYC compliance hold workflows, and contractor tax services. Sandbox environment mirrors production exactly. SDKs are available in PHP, C#, Ruby, and JavaScript. Auth is via API key header; idempotency keys are supported. Developer documentation is at developers.masspay.io.
What industry is MassPay, LLC in?
MassPay, LLC's product category is Cross-Border Payment Orchestration. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 52232 and its SIC code is 7372.