MALOPAY

For financing partners

List your repayment products. Reach more merchants. Stay in control.

MALOPAY routes applications to your products by country, category, ticket size, and merchant configuration. You own credit decisioning, KYC, and the loan; we own orchestration, customer UX, merchant integrations, and the audit trail.

Why financing partners list on MALOPAY

  • Distribution without the merchant work

    Connect once and reach every MALOPAY merchant aligned with your country and product fit. We handle merchant onboarding, KYB, and the integration on the merchant side.

  • Configurable routing rules

    Tell us where you want volume — country, merchant category, amount range, repayment type, currency. The routing engine respects your rules; nothing reaches you that you didn't ask for.

  • Audit-ready by default

    Every decision is audit-logged with full request and response trail. Webhooks are HMAC-signed. Data is encrypted in transit and at rest. Evidence for your regulator is a query, not a project.

  • You own the loan

    You keep the relationship with the borrower for the lifetime of the loan. We never compete with you on the loan, never resell the borrower, never disintermediate the partner relationship.

How integration works

  1. Step 1

    Onboarding

    We add you as a Provider with your sandbox and production credentials. PSD2-aligned strong customer authentication where applicable.

  2. Step 2

    Endpoints

    You expose four endpoints: a quote endpoint, an approve/decline endpoint, a status webhook, and a refund endpoint. We document the contract and run the conformance suite with you.

  3. Step 3

    Routing live

    Routing rules in the backoffice direct matching applications to you. Webhooks push state changes back; we surface them to the merchant and the customer in real time.

Compliance and security

  • Encryption in transit (TLS 1.3) and at rest (Supabase managed PostgreSQL with at-rest encryption).
  • Webhook signing with HMAC-SHA256. Replay protection via timestamp + nonce. Rotatable secrets per environment.
  • Data residency in the EU (Frankfurt). No transfer outside the EEA without your written sign-off.
  • Full audit trail per PRD §17 — every status change, consent, document, and webhook is versioned and queryable.
  • GDPR DPA available on request. Sub-processor list, RoPA, and DPIA inputs provided during onboarding.

Ready to talk integrations?

We onboard one partner at a time. Tell us your country, product, and current volume — we'll come back with a written technical and commercial scope.

For financing partners · MALOPAY