Albania's instant payment infrastructure
Mpay is a licensed payment institution connecting banks, merchants, and individuals through Kuik - the Western Balkans' only bank-embedded, TIPS-ready, EMPSA-partner instant payment network that can be integrated in weeks.
Payment infrastructure for the Western Balkans
Three pillars that define Mpay as Albania's most trusted payment institution:
Instant payment infrastructure
We operate Albania's only multi-bank A2A instant payment overlay. Payments between any bank, any customer, in under 10 seconds.
Licensed & European-standard
Mpay is a Bank of Albania-licensed institution, ISO 27001 & ISO 20022 certified, and a member of EMPSA - the European Mobile Payment Systems Association. We build to EU standards.
Built for regional scale
Our architecture is designed for multi-country operation. Live in Albania and Kosovo, with the upcoming TIPS Clone integration and regional expansion underway.
Kuik - The instant payment overlay for the Western Balkans.
Kuik is Mpay's bank-embedded mobile payment solution. Banks integrate Kuik into their existing apps - no custom overlay build required. Customers get instant P2P transfers, QR merchant payments, and e-commerce checkout. Kuik handles the shared infrastructure. Banks keep their brand, their data, their customer relationship.
- 270K+ Users
- €13M+ Annual volume
- +30% YoY growth
- Available at 2 Countries
The fastest way for your bank to offer instant payments.
Integrate Kuik in weeks, not months. No need to build an overlay from scratch. Kuik is TIPS Clone-ready and already proven across Albania and Kosovo. We handle the network - you own the customer experience.
- P2P, P2B, QR, and e-commerce payments
- Your brand, your app, your customer data
- TIPS Clone integration ready
- EMPSA European payment roaming pathway
Raiffeisen Bank Albania
Raiffeisen Bank Kosovo
Your Bank
Part of Europe's Mobile Payments Community
As Albania's member of the European Mobile Payment Systems Association (EMPSA), MPAY contributes to the European initiative for interoperable mobile payments.
EMPSA brings together 13 national payment systems, representing more than 110 million users, and is driving cross-border interoperability through initiatives such as EuroPA (European Payments Alliance), which enables seamless account-to-account payments between participating national payment schemes.
European Mobile Payment Systems Association
13 national payment systems. 110M+ users. One shared vision for interoperability.
As Albania's representative within EMPSA, MPAY is helping shape the future of interoperable instant payments in Europe while preparing KUIK for future integration with initiatives such as EuroPA, enabling seamless cross-border payments between European overlay payment schemes.