The payroll settlement infrastructure for cross-border companies.
Execute international payroll and supplier payments with local bank settlement — faster, lower cost and fully auditable. Built on 20+ years operating payroll-related financial operations.
International payroll · Local settlement · Treasury · Compliance & audit trail
Treasury
Mercantil PayEx
Total liquidity · USD
$1,284,500.00
4.2% vs last 7d
USDC
Circle · Polygon
$318,900.00
USDT
Tether · Polygon
$84,100.00
EUR
SEPA · pending
€39,200.00
Payroll batch · 248 employees
Two decades of payroll operations — now delivered as infrastructure.
For more than 20 years we have operated payroll-related financial operations for large organizations: payroll-deduction lending, collections and enterprise financial processes. We know how payroll actually moves inside a company.
International payroll is still slow, expensive and manual — correspondent banks, one provider per country, hard reconciliation. So we built the infrastructure we always needed: move payroll across borders and settle to local banks, with compliance and an audit trail on every payment.
Cross-border payroll is still stuck on legacy rails.
Finance and treasury teams pay the price every cycle.
Slow SWIFT transfers
Payments take days and stall in correspondent banks.
High costs
Fees stack across intermediaries and FX spreads.
Multiple banking relationships
One provider per country, no single view.
Complex reconciliation
Manual matching across systems and currencies.
Manual processes
Spreadsheets, approvals and re-keying.
No audit trail
Hard to prove who approved what, and when.
Mercantil PayEx replaces all of it with a single payroll settlement layer.
Request enterprise accessOne platform for global workforce payments.
Every capability answers the same three questions: what it does, who it is for, and the benefit.
Global Payroll
Run payroll for employees and contractors across multiple countries in a single batch.
- For
- HR & payroll teams at multinational and cross-border companies.
- Benefit
- Pay on time in USDC or local currency, with compliance on every payment.
Supplier & Contractor Payments
Pay vendors, freelancers and suppliers in stablecoin or fiat from one balance.
- For
- Operations and finance teams managing distributed payees.
- Benefit
- Fewer intermediaries, lower fees and full traceability per payment.
Treasury
Hold and operate USD and USDC, fund payroll reserves and manage liquidity.
- For
- CFOs and treasury managers.
- Benefit
- A single, auditable view of balances, settlement and reserves.
Stablecoin Settlement
Settle value in USDC on Polygon with on-chain proof, then off-ramp to local banks.
- For
- Businesses paying across borders.
- Benefit
- Near-instant settlement where available, with transaction-level evidence.
Digital Accounts & Wallets
Issue verified payout wallets for employees and contractors with attestation.
- For
- Workforces receiving fiat or stablecoin.
- Benefit
- Each payee is screened and verified before any funds move.
Compliance Engine
Screen every beneficiary and wallet — sanctions, PEP, adverse media and risk scoring.
- For
- Compliance officers and auditors.
- Benefit
- Block or resolve risk before settlement, with a complete audit trail.
From payroll file to funds received — end to end.
A controlled, auditable flow with compliance and multi-party approval before any money moves.
Employer
Your team starts a payroll or payment batch.
Upload payroll
Import employees and amounts via CSV, API or HRIS.
Compliance validation
KYC/KYB, AML, sanctions and wallet screening run automatically.
Multi-approval
Maker / checker and segregation of duties before release.
USDC settlement
Value moves in USDC on Polygon with on-chain proof.
Local bank transfer
Off-ramp to local banking rails where required.
Employees receive funds
Payees are paid in stablecoin or local currency.
Compliance built into every payment.
Real capabilities, included in the platform — not add-ons.
KYC
Identity verification for individuals.
KYB
Business verification for companies.
AML
Anti-money-laundering screening.
Wallet Screening
On-chain risk scoring for every wallet.
Risk Engine
Sanctions, PEP and adverse-media checks.
Audit Trail
Immutable, audit-grade evidence.
Role-Based Access
Granular permissions per role.
Multi-Approval
Maker / checker, N-of-M approvals.
Transaction Monitoring
Continuous monitoring of payments.
Travel Rule Ready
Originator / beneficiary data capture.
Institutional-grade by design.
The infrastructure behind every transaction.
Polygon
Settlement on a public, auditable network.
Safe Multisig
Treasury custody with multi-signature control.
Enterprise APIs
Integrate payroll, treasury and compliance.
Encrypted Data
Encryption in transit and at rest.
Immutable Audit Logs
Tamper-evident records of every action.
High Availability
Resilient, monitored infrastructure.
Role Permissions
Least-privilege access controls.
API Monitoring
Health checks and live status.
System Status
Operational status driven by real health checks.
Live network status.
Our infrastructure reports its own health in real time — straight from the backend, refreshed every 30 seconds. No screenshots, no green badges by default.
Status is fetched live from the Mercantil PayEx infrastructure health endpoint. Values reflect the real Polygon network and treasury state.
Ready to modernize your global payroll infrastructure?
Request enterprise access. An advisor will scope your deployment within one business day.