MANGOPAY is not just a PSP — it’s a full-stack modular payment infrastructure tailored for platforms, marketplaces, and crowdfunding platforms across Europe. With its e-money license, customizable flows, KYC/AML orchestration, and wallet-based system, MANGOPAY is powering the next generation of B2B, B2C, and C2C platforms.
We spoke with Romain Mazeries, CEO of MANGOPAY, to understand the company’s strategy, value proposition, and how it competes against Stripe Connect, Adyen for Platforms, and Lemonway in Europe.
Who is Romain Mazeries?
Romain Mazeries is a veteran in European fintech. He has been with MANGOPAY since its early stages and took over as CEO to lead the platform through growth, licensing expansion, and tech transformation. With experience in both payments and regulation, Mazeries is one of the few executives who deeply understands platform monetization, compliance, and infrastructure needs across jurisdictions.
Interview
What is MANGOPAY in one line?
We provide customizable modular payment infrastructure for platforms and marketplaces — not just plug-and-play, but tailored to your business model.
Who is your typical client?
Marketplaces (e.g., Vinted, Chrono24), B2B platforms, SaaS marketplaces, gig economy apps, crowdfunding platforms, and digital wallet builders.
What makes you different from Stripe or Adyen?
Unlike generic PSPs, we specialize in complex flows (e.g. split payments, multi-seller checkout, escrow, delayed payouts) and support wallet infrastructure, KYC flows, and more — all within our modular stack.
What licenses do you hold?
We are an EMI regulated in Luxembourg, with full EU passporting. This gives us the ability to issue and manage e-wallets, virtual accounts, and execute SEPA and SWIFT payments.
Do you provide IBANs?
Yes — virtual IBANs are issued for each wallet under our EMI framework, enabling precise reconciliation.
Do you offer SEPA Instant?
Yes — and we’re rolling it out across our banking partners. Instant payouts are key for marketplaces.
What are your key modules?
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Wallet infrastructure
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KYC/AML orchestration
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Pay-in (cards, SEPA, Open Banking)
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Pay-out (SEPA, SWIFT, cards)
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Escrow and split payments
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Fraud and risk modules
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Reporting and reconciliation
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White-label back office
How fast can a client go live?
If using our hosted front-end, as little as 4 weeks. For deeper integrations, 8–10 weeks is average.
Do you support crypto platforms?
Only if they are licensed and meet our compliance standards. We don’t support unregulated flows.
Do you support cross-border commerce?
Yes — we support multi-currency wallets, FX, and payout to over 150 countries via partners.
Is MANGOPAY white-label?
Yes — our dashboards, onboarding, and payment flows can be branded and embedded.
What is your pricing model?
Modular SaaS + transaction fees, with volume-based pricing. Our clients scale and save via tailored setups.
What kind of support do you provide?
Dedicated technical onboarding, live support, and compliance guidance for complex flows.
Who are your competitors?
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Stripe Connect
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Adyen for Platforms
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Lemonway
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Treezor (less focus on wallets)
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Weavr (strong for embedded finance)
What’s on your 2025 roadmap?
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Real-time KYB module
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Embedded lending via partners
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Expansion into new markets (CEE, Nordics)
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AI-based risk detection
What metrics define your success?
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Payment volume (TPV)
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Platform retention
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Uptime and latency
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Client onboarding time
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End-user satisfaction (NPS)
What’s your long-term vision?
To become the #1 infrastructure layer for European platforms, enabling any business model — from gig economy to SaaS marketplaces — to build payments natively.
Related Searches
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MANGOPAY review
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Payment infrastructure for platforms
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Wallet-as-a-service Europe
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MANGOPAY vs Stripe Connect
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SEPA payouts for marketplaces
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MANGOPAY Luxembourg EMI license
FAQ
Is MANGOPAY a bank?
No — we’re an EMI (Electronic Money Institution), which allows us to issue wallets, manage funds, and process payments compliantly.
Can I use my own acquirer with MANGOPAY?
Yes — MANGOPAY is modular. You can use your own acquirer or work with ours.
Does MANGOPAY provide fraud tools?
Yes — our risk module includes anti-fraud scoring, velocity checks, and optional third-party integrations.
Is there a dashboard for merchants or platform admins?
Yes — we provide both roles with dashboards, insights, and customizable access rights.
Company Services
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Modular payment infrastructure
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White-label wallet issuing
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KYC/KYB automation
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Escrow management & split payments
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SEPA/SWIFT payouts
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Fraud & compliance modules
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Open Banking pay-ins
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Reconciliation and reporting tools
Competitors
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Stripe Connect – Strong developer tools, but less flexible for complex flows
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Adyen for Platforms – Enterprise-grade, expensive for startups
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Lemonway – Similar EMI stack, more focused on France
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Treezor – Strong BaaS, less wallet-native
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Weavr – Embedded finance focus, newer to platform use cases
Product Positioning
MANGOPAY is:
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Wallet-native and platform-focused
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Strong in regulatory coverage (EMI license)
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Trusted by some of Europe’s largest marketplaces
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Designed for multi-party payments and scalable B2B flows
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Offering modular APIs and white-label UX
