SwarpPay

Your partner for payment swapping.

The people-first payment company. Fast, secure, regulated digital payments — online or in person.

Personal account

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Competitive rates No hidden costs Regulated partners
Transfer estimate 1 EUR = 10.8200 MAD
EUR
SwarpPay fee (3%)− €30.00
FX markup€0.00
They receive
10,495.40 MAD
Receive as
Typically arrives same day
You keep about €32.00 more than with a typical ~6% transfer service.

Indicative rate. Your final amount is confirmed before you pay.

What SwarpPay does. In plain words.

SwarpPay moves money across borders for people and businesses. You send, convert or pay in your currency. We route it over regulated banking and stablecoin rails. The other side receives theirs — and you see every fee before you confirm.

01

Send & receive

Move money to family, friends or suppliers abroad, delivered to a bank, as cash or to a wallet.

02

Convert

Swap between currencies at a competitive rate, with no hidden costs and no FX markup.

03

Pay & get paid

Gift cards today, merchant payments for businesses, and your own digital card soon.

Our services. Pick yours.

Opening soon

Personal

Send, convert and spend across borders — for you and your family.

Learn more Live

Business to business

Supplier payments, invoices and high-value transfers from one account.

Learn more Live

Merchants

Accept payments online, by payment link or QR code — and settle in the currency you choose.

Learn more Live

Gift cards

Send a gift card that your recipient spends in local shops and supermarkets.

Contact us Platforms & fintechs

Partner with us

Add SwarpPay payouts and collections to your platform through our API.

Contact

No hidden costs. Just competitive rates.

Competitive ratesOne clear fee and the real exchange rate, shown before you confirm.
Fast settlementMinutes, not days, on supported corridors.
Secure & regulatedIdentity checks and monitoring on every account and payment.
Local payoutBank, cash pickup, gift card or wallet.
Business & personalOne platform for both.
Fund your digital account SoonTop up by bank transfer or card and pay from one balance.

Modern rails behind every transaction.

Where appropriate, SwarpPay uses regulated stablecoin infrastructure to move funds faster across borders — while you send and receive ordinary currencies.

Regulated Partner Infrastructure

Where regulated financial, payment or digital-asset services are required, SWARP may utilise appropriately authorised third-party providers, including MiCA-regulated Crypto-Asset Service Providers (CASPs), FCA-authorised firms, payment institutions and other regulated infrastructure partners.

Such services are provided by the relevant partner within the scope of its regulatory permissions and authorisations.

Your money is protected at every step.

Identity verification (KYC)Every customer is verified before they can transact.
Anti-money launderingAML screening on customers and counterparties.
Transaction monitoringReal-time checks on every payment.
Regulated partnersStablecoin services in partnership with Noemon Finance Ltd, regulated by CySEC.
SecurityEncryption in transit and at rest, two-factor sign-in.
Data protectionHandled in line with GDPR.

Regulated services are provided by SwarpPay's licensed partners, including Noemon Finance Ltd.

Transparent pricing. No hidden FX markups.

Personal transfers
3%
per transfer, no FX markup
Real exchange rate. Fee shown before you confirm.
FOR TEAMS
Business transfers
Volume
tiered pricing for higher volumes
Batch payouts, dedicated account manager.
Talk to sales
Merchant payments
Tailored
based on volume and methods
Links, QR and checkout. No setup fee.
Apply as merchant
Enterprise & API
Custom
for platforms and fintechs
Volume pricing, SLAs and integration support.
Contact sales

Move money globally with SwarpPay.

Business account login
Coming soon

We're opening this to customers soon. Leave your email and we'll tell you the day it goes live.

Available today Contact us Merchant registration Business account login