Marvipay is an FCA-authorised escrow institution providing regulated fund-holding and payment release for B2B trading platforms — including Marvinet. Every transaction protected. Every release audited.
Marvipay plugs into B2B trading platforms as a regulated escrow layer — holding funds impartially, releasing them on confirmation, and maintaining a full audit record on every transaction.
Regulated fund holding
Client funds held in legally segregated accounts under FCA-authorised Payment Institution rules. Never mixed with Marvipay's operating capital.
For: platform operators & buyers
Virtual IBAN per transaction
Each trade gets a dedicated GB IBAN. Funds are mapped 1:1 to a single transaction ID, eliminating allocation errors and simplifying reconciliation.
For: finance & tech teams
Conditional payment release
Funds released only when platform-defined conditions are met — delivery confirmed, documents verified, or dispute resolved. No unilateral movement.
For: platforms managing trade risk
Full audit trail
Every movement, release, and hold logged with timestamps and party identifiers. Available for compliance, dispute resolution, and reporting.
For: compliance officers & CFOs
KYB & AML built in
All participating businesses verified against regulatory standards before funds are accepted. Ongoing transaction monitoring included as standard.
For: regulators & risk teams
How it works
Four steps. Fully auditable.
1
Platform creates an escrow instruction
Your platform defines the trade — parties, amount, currency, and release conditions — via the Marvipay dashboard or API.
2
A dedicated Virtual IBAN is issued
Marvipay issues a unique GB IBAN mapped 1:1 to that trade. The buyer sends funds there — tracked, isolated, and tied to a single transaction ID.
3
Funds held in segregated escrow
Money sits in a ring-fenced client account, legally separate from Marvipay's own capital. KYB and AML checks run on all parties before funds are accepted.
4
Delivery confirmed — funds released
Once your platform confirms fulfilment, Marvipay releases payment to the seller via their preferred rail. A complete audit record is generated automatically.
Fund protection
How your funds are protected
Marvipay is not a bank. We are a regulated payment institution. Client funds are never lent, invested, or used for operations — ever.
Segregated client accounts
All funds held in accounts legally and operationally separate from Marvipay's own capital. Protected in the event of insolvency.
Tier-1 banking partners
Escrow funds held at FCA-regulated UK and European banking institutions. No exposure to unregulated counterparties.
Full audit trail
Every fund movement logged with timestamps, party identifiers, and release authorisations. Available to platform operators on request.
Dual-authorisation release
Funds released only when both platform confirmation and Marvipay compliance sign-off are received. No unilateral release possible.
Payment rails
How funds move
Marvipay supports the following payment rails, with additional corridors available on request.
3s.moneyPrimary
Core infrastructure partner for Virtual IBAN issuance, GBP & EUR collection, and payment release.
GBPEURVirtual IBAN
SEPAEurozone
SEPA Credit Transfer and SEPA Instant for EUR payments across the European Economic Area.
EURInstant36 countries
SWIFTGlobal
Cross-border wire transfers for multi-currency trades outside the SEPA zone.
Multi-currencyCorrespondent
Leadership
Built by trade & compliance experts
Marvipay's leadership brings together deep expertise in regulated payment institutions, trade finance, and international compliance — the same team behind Marvinet.
Fabio Marcucci
Chief Executive Officer
Co-founder of Marvinet and CEO of Marvipay. Architect of the Ermes Group's trust infrastructure across trade and payments.
Marvipay is a subsidiary of Ermes Holdco — a holding company focused on building secure financial and trade infrastructure. Ermes companies share unified compliance, identity verification, and trust standards.
Together, Marvipay and Marvinet are redefining the trust infrastructure of the digital economy — one through relationships, one through transactions.
Marvipay gave Marvinet the regulatory credibility to offer escrow to our trading community. Onboarding took days, not months, and our buyers immediately felt the difference.
M
Fabio Marcucci
CEO, Marvinet — B2B trading platform
“
Having a regulated escrow layer built into our platform changed how sellers engage. The trust signal alone has improved conversion on high-value trades significantly.
P
Platform partner
B2B marketplace, Europe
“
The compliance architecture Marvipay brings means we don't have to build it ourselves. It's like having an in-house regulated treasury team without the overhead.
T
Technology partner
FinTech platform, UK
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FAQ
Frequently asked questions
Who actually holds the funds?
Marvipay Ltd, as an FCA-Authorised Payment Institution, holds client funds in segregated accounts at Tier-1 UK banking partners. Funds are kept legally and operationally separate from Marvipay's own capital at all times — never on our balance sheet.
What happens if there is a dispute?
Marvipay does not arbitrate disputes. Funds remain held until the platform — which is contractually responsible for resolution — issues a release instruction. Hold periods can be extended upon request from the platform operator.
What currencies do you support?
GBP and EUR natively, via 3s.money Virtual IBANs. Additional currencies available via SWIFT. Contact us for specific currency corridor requirements.
What is the relationship between Marvipay and Marvinet?
Both are subsidiaries of Ermes Holdco. Marvinet is a B2B trading platform — focused on connecting buyers and sellers through relationships. Marvipay is the transactional trust layer — the regulated escrow infrastructure that ensures payments within those relationships always settle safely. They are complementary, not competing.
Is Marvipay a bank?
No. Marvipay is an FCA-Authorised Payment Institution, not a bank. Client funds are protected through mandatory segregation under the Payment Services Regulations 2017. We do not lend, invest, or use client money for any purpose other than executing the agreed payment.
Contact
Get in touch with our team
Whether you are a platform operator looking to integrate escrow, an investor, or a prospective banking partner — we would be glad to hear from you.
hello@marvipay.com
1 Canada Square, Canary Wharf London E14 5AB, United Kingdom
