# Merge — Payment Provider

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).

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** Flat per transaction: 0.1–0.5%
- **Fee model:** flat-rate
- **Settlement time:** Settlement finality: T+0
- **Categories:** crypto, embedded, infrastructure
- **Countries served:** 1 (FR)
- **Payment methods:** faster_payments, pix, sepa, stablecoin, swift, upi, usdc, usdt

## Legal & compliance

Legal entities:
- MERGE MONEY — France — licenses: E-Money Institution, FR, ACPR

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/merge#compliance.


Canonical page: https://paymentproviders.io/providers/merge

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)