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Merge

Merge provides one API that combines stablecoin infrastructure with fiat payment rails for cross-border business payments. It offers multi-currency accounts for holding, collecting and sending funds in multiple currencies, named accounts, fiat–stablecoin on/off ramps, embedded payments and payment reconciliation. On its website, Merge says it operates as a licensed VASP (virtual asset service provider).

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Fees from
Flat per transaction: 0.1–0.5%
Settlement
Settlement finality: T+0
Coverage
1 country
Payment methods
8
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Merge before signing. Visit Website is an external link; we may earn a commission.

Merge overview

Best for

Businesses and platforms that make cross-border payments, payouts, payroll or treasury moves and want to use stablecoin settlement alongside fiat rails and multi-currency accounts.

Merge pricing & fees

Pricing structure

Pricing
Flat per transaction: 0.1–0.5%
Your business must be registered in
Not disclosed

Merge settlement & payouts

Payouts

Settlement time
Settlement finality: T+0
Settlement currencies
Not collected yet

Merge API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Merge coverage & payment methods

Supported countries

1 country
FR

Payment methods

Faster PaymentsPixSepaStablecoinSwiftUpiUsdcUsdt

Merge licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

MERGE MONEY

France

Licenses

E-Money Institution FR

Authorised Electronic Money Institution (FR)

Autorité de contrôle prudentiel et de résolution (France)

License numbers & register records

1 license number · 1 register record on file for Merge, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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