Mercuryo transactions are processed by different regulated legal entities depending on your location, payment method, transaction type, and regulatory requirements. This article explains which entities may handle your payment, why the processing entity can vary between transactions, and where you can see the exact entity that processed a completed transaction.
Who processes your transaction?
When you use Mercuryo services, your transaction is processed by one of our regulated legal entities, depending on factors such as your location, payment method, and transaction details.
In general:
Users in the European Economic Area (EEA) are served by either MoneySail d.o.o. or MoneyChurros S.L.
Users outside the EEA may be served by MoneyMaple Tech Ltd.
Users in the United States may be served by MoneyDream Inc. (via our local partner infrastructure)
Certain transaction types (such as card-related flows or transfers) may be processed by a different entity depending on the specific service used
You can find full details about our legal entities, including registration information and licenses, here:
https://mercuryo.io/legal/licenses/
Why can the processing entity vary?
The entity that processes your transaction is determined based on several factors, including:
Your location
The type of transaction
The payment method used
Applicable regulatory requirements
Because some of this information is only confirmed during the payment process, the final processing entity may differ depending on transaction details confirmed during the payment process.
Where can I see the final processing entity?
Once your transaction is completed, we will always display the exact legal entity that processed it on the final confirmation screen.
