Our Vision
Seamless Chat, Borderless Pay. We are dedicated to building a borderless financial and communications infrastructure for global enterprises.
Our Mission
MPChat seamlessly integrates enterprise-grade end-to-end encrypted communication with a powerful smart virtual card payment network to provide global businesses with highly secure, efficient, and controllable financial management and payment solutions.
We Provide Integrated Financial Solutions for Global Enterprises
We are a fintech platform built specifically for the new generation of global enterprises. We precisely identify and solve the core pain points that businesses encounter in cross-border payments, team expense management, marketing ad spend, SaaS subscription management, and internal secure communications. Our clients include:
- E-commerce Businesses: Managing complex supplier payments and international marketing expenditures.
- Marketing Agencies: Efficiently managing ad budgets across multiple clients and platforms while reducing account risks.
- SaaS Companies: Simplifying global customer billing and corporate tool subscription payments.
- Globalized Business Teams: Centralizing the management of travel and daily expenses for employees worldwide.
Core Services: Smart Virtual Cards & Corporate Expense Management Platform
We offer a comprehensive platform that combines secure communication with global payments, centered around our smart virtual card issuance and management system.
How Do Smart Virtual Cards Work?
Our platform allows businesses to generate virtual payment cards in real-time and in bulk for their teams or specific purposes. The entire process is clear, efficient, and controllable:
- Instant Issuance: Administrators can create single or bulk virtual cards with a single click on our platform.
- Set Precise Rules: Independently configure spending limits, valid time periods, and authorized merchant categories (e.g., software subscriptions only, ad platforms only) for each card.
- Securely Assign & Use: Securely assign cards to designated employees or link them to specific ad accounts and subscription services.
- Real-time Monitoring & Reporting: All transactions are displayed in the management dashboard in real-time, automatically generating clear spending reports and eliminating cumbersome reimbursement processes.
The Core Advantages Our Virtual Cards Bring to Your Business
- Ultimate Expense Control:Prevent overspending and misuse from the
source by setting independent budgets and rules for every project, employee, or ad
campaign. The finance team gains absolute control over the company's cash flow.
- Enhanced Security & Risk Management: Each virtual card is independent, effectively isolating risks. If any suspicious activity is detected, the card can be frozen or deleted instantly, leaving the main account funds secure. This significantly reduces the risk of financial loss from compromised card information, especially in high-risk payment scenarios like ad spending.
- Streamlined Financial Processes: Track all expenditures in real-time and automatically collect spending data. Finance personnel no longer need to process stacks of invoices and reimbursement requests, dramatically improving internal operational efficiency and allowing human resources to focus on higher-value work.
- Optimized Business Expenditures: Create dedicated virtual cards in bulk for ad campaigns on platforms like Facebook, Google, and TikTok. This not only simplifies budget tracking but also effectively reduces the risk of account suspension due to payment issues. Effortlessly manage all corporate SaaS subscriptions, such as Adobe and AWS, to avoid service interruptions.
For Developers: Build Your Custom Payment Capabilities
We provide a powerful Payment API (for card issuance, transfers, balance inquiries, etc.), allowing your business to seamlessly integrate our secure and convenient payment capabilities into your own applications or services. This enables you to build a closed-loop business ecosystem, achieving business automation and scalable growth.