← Embedded Finance Index 2026

Masspay

“Can a global payout orchestration platform become the end-to-end embedded financial infrastructure layer for cross-border disbursements — owning KYC, tax compliance, AP/AR, and card payouts alongside the payment rails?”

HQLas Vegas, Nevada, USA
FoundersJeffrey B. Katz
IndustryFintech / Cross-border payments
The story

MassPay was founded (effective 2020) as a global payout orchestration platform aimed at businesses that need to pay anyone, anywhere — marketplaces, gig economy platforms, affiliate networks, creator platforms, and cross-border employers. Starting from a single REST API for international payouts, the company has progressively embedded compliance (KYC/KYB via Veriff), card payouts (Visa Direct), contractor tax management (TaxBandits), and AP/AR workflows (Monite) to evolve from a pure payout rail into a broader embedded financial infrastructure layer. The strategic bet is to own the full pre-payment and payment lifecycle for global B2B payout use cases.

Last 12 months
2025-10
2026-02
2026
Product timeline
2020
MassPay Holdings LLC incorporated in Delaware; Terms of Service effective December 20, 2020.· pivot
2023
Partnered with Veriff to embed AI-driven identity verification (KYC/KYB) directly into the Global Payout Orchestration Platform.· banking
2024
Achieved SOC 2 Type II certification, signaling enterprise-readiness and security maturity.· banking
2025
Launched Visa Debit Card program; connected to Visa Direct (VDA, VDW, VDC) for push-to-card payouts across 238+ countries.· card
2025
Processing tens of thousands of monthly identity verifications through embedded Veriff integration.· banking
2026
Partnered with TaxBandits to embed enterprise-grade 1099/1042 filing, W-8/W-9 collection, and IRS TIN matching into the payout platform.· banking
2026
Integrated Monite's embedded AP/AR solution to add accounts payable and accounts receivable workflows to the platform.· banking
The stack
5 layers disclosed in Masspay’s embedded-finance stack
Payments / PSP
Visa Direct
Money movement
in the full report
Banking / BaaS
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting gap: significant
5 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.