TerraPay helps your customers send money to any mobile, quickly, safely and affordably.


    Add cross-border mobile payment products to your service portfolio within a quick time and at lower costs.

  • GROW WITH TerraPay

    A single agreement gives you access to all the geographies that we expand into.


    We provide services ranging from regulatory, technical integrations, Fx services, transactions processing to settlements so that you can focus on your customers.

Who are we?

TerraPay is the world’s first mobile payments switch- a B2B, transaction processing, clearing and settlement service for mobile wallets. Our best-in-class technology serves as the interoperability engine that enables our partner’s customers to send and receive real-time transactions across diverse payment instruments, platforms and regions.


TerraPay Connects

  • Money transfer operators
  • Payment card issuers
  • Government and NGOs
  • Mobile wallet systems
  • Banks

How does it work?

How can we help you?

Powering low value money transfers

TerraPay's unique model digitises the entire payments chain, connecting the expanding mobile wallet infrastructure and enabling cost-efficient processing.
Result: Lowered costs passed onto end users, making money transfers affordable, especially at lower ticket sizes.

One-to-many integrations

TerraPay has pivoted away from bilateral (corridor) arrangements, to a clearinghouse model.
Result: A single integration with TerraPay gives it’s partners an access to TerraPay’s global network.

Scalability - The power of the mobile

Leveraging its regulator-blessed, cloud-based solution, TerraPay has scale baked into its model. Result: We grow together, focusing on your end users, by providing frictionless channels such as white-labelled interfaces and apps to drive transactions. No more standing in line to send/receive hard-earned money or handling cash.

Domestic Interoperability

Increasingly, end users and regulators are pushing for mobile wallet interoperability. Terrapay anticipates this trend by working with regulators to create a robust, scalable and compliant domestic interoperability platform between local MTOs, banks and Mobile Money Operators. Result: Mobile money is freed up to generate value as a true medium of exchange. 

Making money remittances convenient

Your customers can transact anytime from anywhere by using their mobiles. It takes away the inconvenience of travelling, standing in queues or handling cash.

A culture of compliance - Regtech plus

TerraPay embraces that its solution is not merely technological. It obtains licenses from applicable regulators to enable its interoperability services. By taking on this compliance obligation, TerraPay reduces the cost of compliance for its network partners. Result: World class regtech compliance engine built directly into the TerraPay platform.

Clearing & Settlement

TerraPay is building the mobile payment rails of the future, which allows its mobile payments clearing and  settlement services to ride on top of existing interbank clearing and settlement systems, or use TerraPay's banking partners to provide correspondent account settlement. Result: Mobile money integrates completely with existing payments infrastructure, driving synergistic use cases.

End-to-end Forex management

TerraPay offers a comprehensive suite of FX  services. TerraPay's partners can request quotes and book FX trades for low value transactions in any currency pair, leaving it to TerraPay to source the best FX rates through its industry-leading partners worldwide. Result: You focus on your core business, while we drive value for your end user.

Machine learning & human-intelligence driving a secured platform

TerraPay deploys a comprehensive machine learning AML/CFT and sanctions screening engine. Our system processes every transaction in real-time and through batched processes, detecting  structuring, smurfing or other money laundering strategies.

Big data and reporting

TerraPay offers a comprehensive bouquet of reporting services. Network  partners get a customizable dashboard where they can design, save and schedule reports of transactions. Regulators get a dashboard that can show live transactions, and allow access to individual transaction (including underlying KYC details). Regulators may also access TerraPay's IMF-standard BOP reporting suite.

Why TerraPay?

Mobile number as proxy for government-issued ID

Mobile numbers of senders and receivers are mapped to their identity document type and number, so that multiple accounts under the same identity get treated as a single account.

24X7 Real-time money transfer

Money is received by the beneficiary instantly, securely and transparently.

Send Money to any mobile

Since TerraPay is a mobile focused remittance service, to send money all you need to know is the mobile number of the beneficiary.

Digital pedigree

TerraPay's parent company, Mahindra Comviva, has presence in over 90 countries through its market-leading mobile financial services platforms.

Plug and Play; One to many model

A single integration with TerraPay allows you to use TerraPay's clearing and settlement services, licenses and global partner networks.

End to end service

Regulatory compliance, API integration, FX services, AML/CFT compliance, reporting, and settlement.

Low cost of set-up and operations

TerraPay outsources non-core functions, driving cost-efficiencies and scalability. 

Quick time to market

Standardised APIs support rapid deployment, enabling partners to quickly expand their global presence.