The instant payment overlay your bank doesn't have to build.
Kuik is the Western Balkans' only bank-embedded, TIPS-ready, EMPSA-connected instant payment network. Integrate in weeks.
TIPS-ready
Tips Clone ready for Day 1
Fast Integration
APIs, documentation, etc
White-label
Your brand, your app, your customers
270K+
Users
€13M+
Annual volume
+30%
YOY growth
260K+
Transcations / year
2 Countries
Albania + Kosovo
Everything your bank needs to launch instant payments. Already built.
Integrate once, deploy for all your customers. TIPS Clone-ready, EMPSA-connected.
Launch in weeks, not years
Building a proprietary A2A overlay takes 18-24 months and significant engineering resource. Kuik is ready to integrate today. Go-live in weeks.
Ready for Day 1 of TIPS Clone
Albania's TIPS Clone goes live November 2026. Kuik's infrastructure is already being prepared. Your bank can launch with the rail, not after it.
Ready to connect to European users
Your customers will be reachable from millions of European users as payment roaming bilaterals activate. No additional integration required.
A shared network. Your brand.
Kuik operates as a cooperative infrastructure layer. Your bank keeps everything that matters - the app, the brand, the customer relationship, the data. You integrate once; your customers can pay anyone in the network.
P2P instant payments
Phone-number-based, any bank, under 10 seconds, 24/7. Free for end users.
P2B / QR payments
Merchant QR acceptance, real-time settlement to merchant account, lower than card fees.
E-commerce checkout
Kuik payment API for any online merchant. Bank-to-bank, no card network fees.
Bank ID directory
Shared phone ↔ IBAN resolution across all partner banks - seamlessly.
FCL Rules Engine
Configurable fees, limits, and commissions by customer segment. You set the parameters.
Security layer
PIN, OTP, device binding, ISO 27001 certified. No customer card data exchanged.
Real-time notifications
Push notification confirmation on send and receive for both parties.
White-label capable
Kuik deploys inside your app, under your brand. Customers never leave your interface.
How bank integration works
Discovery call
Integration model, API documentation, and commercial framework walk-through with Mpay's partnerships team.
Technical integration
Your team integrates Kuik APIs into your existing mobile banking app. Mpay provides a dedicated integration engineer and full documentation.
Testing & certification
Joint testing phase. Mpay certifies the integration against our security and performance standards.
Launch
Go-live. Your customers can now send and receive Kuik payments from Day 1.
Ready to integrate? Start a conversation with us.
P2P payments between individuals are free for end users. Mpay's revenue model is based on merchant/commercial transaction fees and a bank partnership fee structure. Contact our partnerships team for a full commercial proposal tailored to your institution.