mPayGo gives you instant settlement, 1–1.5% flat fees, and zero chargebacks — no terminals, no card networks, no waiting days for your money. Just a QR code and your phone.
Register your business through our AI-powered onboarding. Verify your identity, connect your business wallet, and receive your unique merchant QR code. The entire process takes minutes, not days — no paperwork, no bank approvals, no hardware to order.
AI OnboardingNo Paperwork⚡ Minutes to go liveOpen the mPayGo Merchant App on your phone, tablet, or countertop display. Enter the transaction amount exactly as you would on a traditional POS terminal. If you need detailed tracking, you can also add optional fields — invoice numbers, product IDs, or any reference relevant to your accounting or inventory system. Once entered, mPayGo instantly generates a dynamic QR code with the amount and all transaction details embedded. Display it on screen for the customer.
POS-Familiar WorkflowInvoice & SKU FieldsDynamic QR Generated⚡ InstantYour customer opens their mPayGo app, scans the QR code on your screen, confirms the amount, and authenticates with Face ID or fingerprint. The payment is sent instantly. The entire process mirrors what they already do with contactless cards — but faster, cheaper, and without a card network in the middle.
⚡ 2 secondsThe payment settles directly to your merchant wallet in 5–8 seconds via blockchain. Your dashboard updates in real-time with the transaction amount, customer reference, and a full date and time stamp — making it easy to cross-reference every mPayGo payment against your existing POS system, accounting software, or end-of-day reconciliation. No batching, no holds, no 2–3 business day wait. The money is yours the moment the customer pays.
Blockchain SettlementDate & Time StampPOS Cross-Reference⚡ 5-8 secondsYour funds arrive as IFNY tokens. You choose what to do with them: hold them in the Infinity ecosystem and use them across the marketplace, spend them with other mPayGo merchants, or convert to traditional currency and withdraw to your bank account — daily, weekly, or per-transaction.
Hold in EcosystemAuto Cash-OutBank WithdrawalEvery mPayGo transaction is settled on the blockchain — final, immutable, and irreversible. There is no chargeback window, no fraudulent dispute process, no revenue clawed back months later. What the customer paid, you keep. Period. For most merchants, this alone saves 1–2% of total annual revenue.
Immutable SettlementZero Fraud Loss⚡ FINALBased on £500,000 annual transaction volume
1–1.5% flat fee vs 2.5–4% with card networks. On £500K volume, that's £12,500+ back in your pocket every year — money that used to go to Visa and Mastercard.
Funds arrive in seconds, not days. No batch settlements, no weekend holds. Your money is available the moment the customer pays. Run your business on real-time cash flow.
Blockchain settlement is final. No more fraudulent disputes eating into your margins, no more hours fighting claims, no more losing revenue months after the sale.
No POS terminal, no card reader, no monthly lease. A printed QR code or your phone screen is all you need. Your setup cost is effectively zero.
Any customer, any country, any currency. mPayGo handles conversion automatically through the Infinity liquidity bridge. One system, worldwide reach, from day one.
Track every transaction with full date, time, and customer reference stamps. Cross-reference mPayGo payments against your existing POS system or accounting software. Export reports and manage your treasury from one clean dashboard.
mPayGo merchants can list products and services on the Infinity Mall marketplace — reaching thousands of active users already spending IFNY tokens across the ecosystem.
24/7 AI agents handle customer inquiries, transaction lookups, and merchant support. No call centers, no hold music, no ticket queues. Instant answers, always.
Apply a discount to any transaction directly from the merchant app — either a fixed cash amount or a percentage off. The discount is applied before the QR code is generated, so the customer sees the final price. Perfect for loyalty customers, promotions, or negotiated pricing. The full and discounted amounts are both recorded on your dashboard for accounting.
Need to refund a customer? Generate a refund QR code directly from the transaction in your dashboard. The customer scans it and IFNY is returned to their wallet instantly. Refunds up to a threshold you set (e.g. £100) are processed immediately. Refunds above your threshold enter a configurable review window — you set the time limit (e.g. 24 hours, 48 hours) before funds are released, giving you time to verify returns or resolve issues.
Set your applicable tax rate in your merchant settings (e.g. 20% VAT, 8.5% sales tax) and mPayGo automatically calculates and displays tax on every transaction. The tax amount is shown separately on both the merchant dashboard and the customer's receipt. Export tax-ready reports for your accountant — every transaction broken down into net amount, tax amount, and gross total.
Withdraw 1–100% of each transaction directly to your bank account. Set your preferred schedule — daily at a specific time, weekly, or per-transaction. Choose your off-ramp currency and your funds arrive as traditional money, automatically.
Automatically route 1–100% of each transaction to your Infinity Savings Wallet. Let your IFNY accumulate inside the ecosystem where utility value grows over time. Set it and forget it — your savings build with every sale.
Convert your IFNY to USDT and send it to any external crypto wallet address you control. Configure the percentage, the schedule, and the destination wallet. Full flexibility for merchants who operate across both fiat and crypto.
Combine all three — for example, send 50% to your bank daily at 6PM, route 30% to your Savings Wallet, and send 20% as USDT to your external crypto wallet. Stack as many rules as you need. Adjust anytime from your merchant dashboard.
IFNY tokens carry a 10% monthly Unlocked Value Increment (UVI) within the ecosystem. Tokens held in your merchant wallet or savings wallet grow in internal utility — meaning more purchasing power for supplies, inventory, and services over time.
As the mPayGo merchant network grows, your suppliers may also be on the platform. Pay them directly in IFNY — instant settlement, no wire fees, no FX conversion. Your entire supply chain can operate inside the ecosystem.
Merchants who hold and transact IFNY advance through Bronze, Silver, Gold, and Platinum tiers. Higher tiers unlock lower commission rates, priority marketplace placement, verified badges, and access to exclusive ecosystem programs.
Join thousands of merchants worldwide who stopped paying card networks to process their own transactions.
Apply Now — It's Free to Start