Welcome to Mipise Payment Services Documentation

Welcome to the official documentation of Mipise Payment Services (Mipise Payment Services), a complete and EU-compliant Core Banking solution designed to seamlessly integrate financial operations into your platform.

Whether you are scaling a crowdfunding platform, a marketplace, or a disruptive investment service, Mipise Payment Services delivers the robust, regulated infrastructure and core banking modules essential to your growth.

Plug and play

Beyond turn-key features, our strength lies in our plug-and-play architecture. We provide a solid foundation while giving you the freedom to customize your stack.

Regulated Foundation: Fully compliant infrastructure to secure your operations.
Modular Options: Select from a wide range of optional modules to build your fit solution.
Business Alignment: Build a custom solution that perfectly aligns with your business logic and your specific activity.

Seamless Front-Office Integration (White-Label)

We believe your users should stay in your environment. Unlike legacy PSPs that force redirects or hijack the user journey, Mipise Payment Services is designed for a completely invisible integration into your front-office.

Total UX Control: You design the interfaces; our APIs handle the heavy lifting in the background. No interference, no third-party branding, just a fluid experience adapted to your target audience.
Frictionless Onboarding: We transformed the notoriously complex compliance onboarding into a smooth, API-driven process.
Instant Account Creation: A highly appreciated feature - you can create a user, open a Payment Account, and generate a dedicated IBAN instantly, even before the KYC validation process is fully completed. This allows your users to start their journey (e.g., receiving funds) immediately, drastically reducing drop-off rates. (Note: To maintain strict regulatory compliance, outgoing transfers and Pay-outs remain safely blocked until the user's KYC profile is 100% validated).
You Own the Relationship: We stay behind the scenes. Your support team remains the single point of contact for your users, avoiding the confusion of sending them to a third-party payment provider for help.

Ready-to-Use Business Workflows

Instead of just providing payment tools, Mipise Payment Services is built to power complete business lifecycles:

Crowdfunding & Fundraising: Securely collect funds from investors, hold them in a dedicated Escrow account, and trigger automated transfers to the project's SPV (Special Purpose Vehicle) once the campaign is validated.
Marketplaces & Commissioning: Easily route incoming payments, execute automated fee splitting (Split payments), and disburse sellers or service providers securely.
Investment & Yield Distribution: Automate the mass distribution of dividends, interest, or capital repayments directly to your investors' internal accounts.

A Comprehensive Functional Scope

Our solution offers a broad operational scope to cover every aspect of your financial management:

Onboarding & Compliance (KYC/KYB): Streamlined identity verification, document validation, and strict AML/CFT screening (including Blacklist and Greylist management) to keep your platform compliant.
Account & Ledger Management: Creation of dedicated Payment Accounts (Wallets) for natural and legal persons, allowing you to easily track user balances.
Money-In (Collections): Accept funds via Credit Cards, Bank Wires, and SEPA Direct Debits. We fully support electronic signatures via SMS OTP for both B2C (Core) and B2B mandates.
Internal Operations (P2P): Execute instant, zero-latency internal transfers. Essential for escrow management and commission splitting without relying on external banking networks.
Money-Out (Disbursements): Secure outbound transfers (Pay-outs) to validated external bank accounts, including built-in manual compliance reviews for high-value transactions.
Dispute & Exception Handling: A clear operational flow for managing Refunds, Chargebacks, and SDD R-Transactions (unpaid direct debits).
Real-Time Synchronization: A robust Webhook engine delivering a "Minimal Payload" to instantly update your platform's state, ensuring flawless accounting and operational reconciliation.

Why Mipise Payment Services?

Tailor-made Guidance: We provide personalized, ongoing support to adapt our services to your specific regulatory and operational constraints.
Built-in Regulatory Shield: Benefit from native compliance with GDPR, PSD2, and the stringent requirements of the French Prudential Supervision and Resolution Authority (ACPR).
Operational Efficiency: Our Back Office and automated APIs significantly reduce the manual workload for your finance and compliance teams.

How to Use This Documentation

This guide is structured to help Product Managers, Finance Teams, and Operations understand and configure the Mipise Payment Services environment:

Core Concepts

Understanding the Mipise Payment Services Architecture & Ledgers
The "Minimal Payload" Webhooks & Data Reconciliation

Security & Compliance

Strong Customer Authentication (SCA) & Exemptions
Managing KYC/KYB & High-Risk Jurisdictions

Financial Operations

Pay-ins & Mandate Management
Escrow, P2P Transfers & Payouts
Managing Refunds & Disputes