top of page

PRIVATE

Access our currency exchange solutions for individuals,
with competitive PRICES, SECURITY, and personalized SERVICE

Barco de pesca

€1 per transaction

No hidden fees or fine print

EXPATRIATES

High-income workers residing in Europe, the UK, or the U.S. who repatriate saved funds.

INVETORS

Individual real estate investors who need to send funds and repatriate dividends.

STUDENTS

Private university students with housing, living, and leisure expenses who rely on receiving funds from their parents abroad

ENTREPRENEURS

Individuals launching their businesses and working with foreign suppliers or clients.

image.png

Offices in Spain

MTI Partners SL

Edificio VICAM

Ctra CL 601 km7

Palazuelos de Eresma

40194 - Segovia (España)

© 2025 MTI Partners SL

VICAM.jpg

Privacy policy

​Terms & Conditions

Security of Funds

Complaints

​

"KEPAY.es" is a registered trademark owned by MTI Partners SL, NIF B10887644, with registered office at Edificio VICAM, Palazuelos de Eresma 40194 - Segovia (Spain).​

​

(*) Payment and e-money services are provided by The Currency Cloud Limited (non-MiFID/no card products/no investment products). Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199);

​

(*) Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here (non-MiFID/no card products/no investment products).  VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

​

(*) Payment services are provided by CurrencyCloud B.V. (non-MiFID/no card products/no investment products). Registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 - 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of a electronic-money institution  (Relation Number: R142701).

​

(*) Terms for UK Customers of Currency Cloud: https://www.currencycloud.com/legal/terms/terms-of-use-uk-cc-ltd

Terms for EU Customers of Currency Cloud: https://www.currencycloud.com/wp-content/uploads/2023/08/Terms-of-Use-EU-CC-BV-1-June-23-1.pdf

Terms for US Customers of Currency Cloud for businesses: https://www.currencycloud.com/wp-content/uploads/2021/07/Terms-of-Use-CC-Inc-CFSB-19-July-21.pdf

Terms for US Customers of Currency Cloud for consumers: https://www.currencycloud.com/wp-content/uploads/2022/01/Terms-of-Use-for-Consumer-US-CC-Inc-CFSB-December-2021.pdf

​​​​

(*)If you are not satisfied with our services provided by Currency Cloud, please contact the Financial Ombudsman Service (FOS):
https://www.financial-ombudsman.org.uk/consumers/how-to-complain

 

Safeguarding Funds for Currency Cloud:

When funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.​​

​

Complaints for Currency Cloud: 

We are your first port of call for any queries or concerns, including complaints. We will handle these complaints in line with our complaints process. [Contact info@kepay.es if needed, we will answer you back within 1 business day, please send us an email with your company name and the corresponding complaint.] We work with Currencycloud, who ultimately provides you with regulated payments and e-money services. Currencycloud has certain obligations as a regulated financial services institution, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated payments and e-money services they ultimately provide to you. They oversee how we handle complaints to ensure we do this to the standard required under the regulations. However, if for any reason your complaint regarding your payments and e-money services has not been acknowledged or dealt with by us, or if you have concerns about the way it has been handled, Currencycloud’s complaints information can be found here. ​​​

​​

Terms of use from Currency Cloud: https://www.currencycloud.com/hubfs/Product/Legal/Currencycloud-Terms-UK-TCCL-15-August-24.pdf​​​​

​

Foreign Exchange and Payment Services for customers introduced by MTI Partners SL to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951.

bottom of page