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Turn fragmented multi‑PSP payments into one streamlined flow
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<p>Keep control of how money moves regardless of who processes your pay‑ins. No vendor lock-in, just flexible flows.</p>
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Powering unique experiences for top-tier platforms

Untangle complex, multi‑party payment flows with Echo

Put an end to unidentified funds, broken reconciliation flows and payout errors.


More flexibility, less disruption

Manage all existing PSPs through unified tracking, and onboard new payment providers without disruption

Full visibility into payment flows 

No more fragmented reporting and data, get full visibility into flows across providers 

Automatically reconcile settlements

Match settlements from any PSP to the right seller, no more manual reconciliation 

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One layer for payments processed across multiple PSPs
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From fragmentation
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<ul> <li>Disconnected acquirer settlement data</li> <li>Unique reconciliation processes for each provider</li> <li>Unclear ownership of user fund allocation</li> <li>Fragmented payout management</li> </ul>
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To automation
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<ul> <li>Every pay-in tracked in one place</li> <li>Settlements matched to Mangopay records</li> <li>Funds allocated to the corresponding wallets</li> <li>Splits and payouts released after reconciliation</li> </ul>
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More visibility into payment flows with wallets
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<p>The wallet ecosystem creates additional visibility by linking external PSPs to payment flows</p>
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Embedded wallets
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Save on cost and generate revenue with user wallets
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Virtual Accounts
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Collect funds locally in multiple markets and currencies, without opening additional local bank accounts
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Global Treasury
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Achieve precise financial workflows with the power of automated reconciliation.
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Onboarding
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Harmonize KYC process regardless of how many providers are in play, making user onboarding easier.
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How Echo works
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<p>Choose the right setup for you</p>
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<p>Accept pay-ins with Mangopay, alongside your payment providers, then manage the rest of the payment flow in Mangopay’s infrastructure </p>
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<p>Use only your payment providers for pay-ins, then manage the rest of the payment flow in Mangopay’s infrastructure</p>
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Know where every payment stands before funds are released
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<p>Platforms keep their PSPs for payment acceptance, while Echo provides the framework to declare intent behind each payment, reconcile settlements and oversee wallet allocation, splits and payouts through Mangopay.</p>
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Collect payment information
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<p>Send the payment details to Mangopay as soon as the transaction takes place so it can be tracked from the start</p>
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Receive funds
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<p>Mangopay receives the funds acquired externally, then stores and reconciles in a Mangopay wallet.</p>
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Split and payout
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<p>Once the funds are confirmed, Mangopay allocates them to the user wallet and initiates payouts according to your flow. </p>
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Built for scale

Millions of wallets powering unique payment experiences

207M

wallets

created

€68B

transactions

processed

9%

of payments

re-spent

34%

less hours spent on operations

Flexible API

Pre-built for speed, API for control

Integrate faster with built-in components or use our API to white-label our solutions.

Prebuilt integrations

Get set up faster with pre-built solutions.

See libraries

Flexible API

Fully own the experience through white-label option.

Learn more

Ready to start?

Select and connect the products you need to succeed.

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Frequently asked questions

6 Answers

  • What is Echo?

    Mangopay Echo connects payments accepted by external PSPs to Mangopay’s wallet and payout infrastructure. The PSP declares the payment event, then Echo automatically matches with the settlement record, letting Mangopay allocate funds to the correct wallets, and manage splits and payouts through one framework.

  • Does Echo replace my existing payment provider?

  • How does Echo work?

  • Who is Echo designed for?

  • Does Echo support refunds and disputes?

  • What do I need to get started with Echo?