Multiplayer is finally rolling out for Metal Gear Solid V: The Phantom Pain.

Players must download the latest patch to access the FOB and Online game modes, which are going live territory by territory throughout today.

FOB mode allows players to build and invade Forward Operating Bases, in high-risk/high-reward heist gameplay that can net huge amounts of loot.

Controversially, it comes laden with microtransaction options, including a paid insurance policy to guard resources against losses to other players.

The various "policies" range up to 300 coins (around AU$4/NZ$5) for two weeks of cover.

Meanwhile, Metal Gear Online is a more traditional multiplayer experience, infused with the Metal Gear series' signature stealth and strangeness.

Both modes should be out for consoles by the end of today, with the PC versions coming in 2016.