OxPay Financial Limited, together with its subsidiaries, operates as an online-to-offline financial services technology provider in Singapore, Malaysia, and Thailand. It operates through two segments, Merchant Payment Services (MPS) and Digital Commerce Enabling Solutions (DCES). The company operates a platform that services offline and online merchants in the retail, transportation, and food and beverage industries. It also provides payment terminals, eCommPay, APIs, OxPayLite, Scan2Pay, Click2Pay, and cross-border and local payout products and services. In addition, the company offers ancillary services, such as the sale and lease of Smart POS terminals, as well as proprietary and licensed software-as-a-service; bespoke software solutions for its merchants; and tokenisation and detokenisation services for storing credit card credentials. Further, it provides payment processing services through a unified platform and smart software, which are designed for merchants with physical stores, websites, or applications that integrate with smart devices, including mobile phones, tablets, and smart point-of-sale terminals. Additionally, the company engages in software customization and development services; implementation and integration of ready solutions; mobile payment technology licensing; development, sale, and rental of related hardware; electronic payment processing as an aggregator and master merchant; and development of mobile payment technology. The company was formerly known as MC Payment Limited and changed its name to OxPay Financial Limited in September 2021. OxPay Financial Limited was founded in 2005 and is headquartered in Singapore.