What is M2M?
M2M (Me2Me) is a B2B2C payment platform that enables your users to send money across borders through a secure, embeddable widget. As a partner, you integrate once and let M2M handle the complexity of cross-border payments, compliance, and user verification.How it works
Create a magic link
Call the M2M API with your user’s reference ID. Optionally include user data to reduce friction.
Share the link
Send the magic link to your user via email, SMS, push notification, or embed it in your app.
User completes transaction
Your user opens the link and completes their transfer through M2M’s secure widget.
Core concepts
Magic Links
Magic Links
A magic link is a secure, one-time URL that opens the M2M widget for a specific user. Each link is tied to a
referenceId that identifies the user in your system.- Links expire after a configurable time (default: 60 minutes)
- One active link per user at a time
- Links can be pre-populated with user data
Reference ID
Reference ID
The
referenceId is your unique identifier for a user. M2M uses this to:- Track users across multiple transactions
- Detect if a user has completed identity verification (CIP)
- Request additional data when needed
referenceId for the same user to ensure a seamless experience.User Data & Friction
User Data & Friction
You control how much user data you provide upfront:
- Minimal integration: Provide only
referenceId. Users complete full verification in the widget. - Full integration: Provide all user data upfront. Users skip verification entirely.
- Hybrid: Provide what you have, respond to webhooks for the rest.
Webhooks
Webhooks
M2M sends real-time notifications to your configured webhook URL:
link.opened- User opened the magic linkuser.data_request- M2M needs additional user data
Get started
Quick Start
Create your first magic link in minutes.
Authentication
Get your API keys and configure security.
User Data Guide
Learn how to reduce friction for your users.
API Reference
Explore the full API documentation.
Environments
M2M provides two environments for your integration:| Environment | Base URL | API Key Prefix | Purpose |
|---|---|---|---|
| Sandbox | https://api.sandbox.m2m.leapfinancial.com | m2m_test_ | Development and testing |
| Production | https://api.m2m.leapfinancial.com | m2m_live_ | Live transactions |
Last update: 9.3.2026