Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 9 companies across 2 categories.
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TerraPay started as a mobile-first remittance infrastructure company, enabling anyone to send money to a mobile number instantly. Over time it evolved into a full-stack cross-border payments network—connecting bank accounts, mobile wallets, and cards across 200+ destinations under a single API. Its strategic pivot has been from simple mobile remittance rails toward becoming a global regulated payments infrastructure layer (the 'SWIFT for wallets'), evidenced by the launch of Xend for wallet interoperability, TerraPay Verify for real-time beneficiary validation, and its virtual card and acquiring-led remittance products targeting MTOs, banks, fintechs, and enterprises.
Other FX / Payouts providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/terrapay/install" width="1" height="1" alt="" style="display:none">9 companies are linked to TerraPay in the Embedded Finance Index 2026, through their own public disclosures or TerraPay's published customer list, including Magnati, GCash, Lulu Exchange, Beyon Money, Safaricom M-Pesa Africa, Safaricom, TPBank, Banque Du Caire and Al Ansari Exchange.
TerraPay is an embedded-finance provider in FX / Payouts and PSP. It ranks #26 of 179 FX / Payouts providers by linked companies.
The most-named FX / Payouts alternatives to TerraPay are Currencycloud (81 buyers), Airwallex (80 buyers), Nium (67 buyers), Wise Platform (58 buyers), Stripe (49 buyers) and Convera (33 buyers).
TerraPay is founded in 2014 and headquartered in London, England, United Kingdom.
TerraPay has raised $236.5M in total.
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