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Every way to get paid. Every way to pay out.

Business accounts accepted from companies worldwide. Zero monthly fees.

Open to the world.

Companies worldwide

Open a full business account from anywhere your company is registered — including Montana, US. Canada, NZ, Australia, EU companies welcome. No US entity required.

Business accounts

Individuals

Montana residents and globally except CA, NZ, AU, EU. Hold USD, Apple Pay & Google Pay, send to anyone, convert to crypto.

Personal accounts

Start free. Pay less as you grow.

No monthly fees

Free to open. No minimum balance. Your rate drops automatically as you send more — cross $500 in monthly fees and get 25% off for the rest of the month.

See pricing

Bank, card, and crypto — both ways

Every payment method works to send AND receive. Fund your account or let clients pay you. One fee schedule, one ledger.

How it works

Open in minutes. No paperwork.

Verify your identity in the app — takes minutes, done once. No paperwork, no branch visits. Runs in your browser, no app store needed.

Open your account — free

paype.cc is a licensed Money Services Business, not a bank. Risk disclosure

★★★★★ Trustpilot
Open account NO OPENING FEES — NO ACCOUNT MAINTENANCE FEES — NO APP STORE REQUIRED —