Cross-border bill payments, without the middleman
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Paying a bill in another country is still one of the hardest everyday money tasks. Cross-border bill payment removes the middle step: the bill is paid straight to the biller, and both sides can see it is done.
For most families abroad, paying a bill back home means sending money to a relative, waiting for them to queue or log in, and hoping it reaches the right account before the due date. Businesses do the same with wires that take days to land. The money moves, but the bill itself is a separate, manual step.
A cross-border bill payment joins the two. You choose the biller in the destination country, pay in your own currency, and the payment is settled with the biller directly. There is no hand-off to a relative, no cash withdrawal and no guessing whether the account was credited.
MuffinPay is building Life Payments around this idea: one place to pay bills, send money and spend across borders, with reach to 35,000+ billers across 180 countries.
Pay the biller, not a go-between
The bill is settled with the provider itself, so the money goes exactly where it is meant to.
Proof that it is paid
A confirmation both sides can see replaces the follow-up phone call.
Every household bill in one place
Electricity, water, gas, mobile, broadband, education and insurance, across countries.
Built for families and businesses
The same rails serve a household paying home and a company paying suppliers abroad.
Questions people ask
What is a cross-border bill payment?
It is a payment made from one country directly to a biller in another — for example, paying an electricity bill in India from Dubai — without first sending money to a person who then pays the bill.
Which bills can be paid across borders?
Typically utilities (electricity, water, gas), mobile and broadband, TV, education fees, insurance premiums and loan repayments. Which billers are available depends on the country.
Is MuffinPay available now?
MuffinPay is opening in stages. You can join the waitlist at waitlist.muffinpay.com for early access.