Open a business account in minutes — wherever you’re based — and unlock every way to move money worldwide.
For companies registered anywhere in the world — including Montana, US. Pay suppliers, receive client payments, hold and convert currency. All in one account. No monthly fee.
Every payment direction. Every currency. Both ways.
Most platforms move money one way. paype moves it both — you fund your account AND your clients pay your invoices through the same rails.
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Pay contractors worldwide
International wire to 170+ countries. EU bank transfer. Free to US banks. paype-to-paype instant and free. Every send shows the exact fee before you confirm — as low as $15 + 0.45% on Orchestra.
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Get paid by card, bank, or crypto
Create a payment request in the app and share a hosted link. Your client opens the link and pays by card, bank transfer, or crypto — no paype account required on their end. Funds land in your paype balance.
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Currency conversion
Instant conversion between any pair. From 0.54% on Tier 1 currencies — rate drops automatically as your volume grows. Rate shown before you confirm. See pricing →
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Recurring payments
Schedule contractor payments, subscriptions, or standing transfers — daily, weekly, or monthly. Set it once.
A safe haven for legitimate businesses in the crypto and AI era.
We're a breath of fresh air for entrepreneurs trying to work as they should. We're bad news for hackers, scammers, criminals, and money launderers. Here's who thrives with us:
Digital nomads
Run your business from anywhere. Get paid in any currency, spend with your card, no fixed address required beyond your company registration.
Entrepreneurs in emerging economies
Access global payment rails without a US entity. International wire, EU bank transfer, crypto — all from one account.
Holding structures & family offices
Unlimited sub-accounts for each entity, investment, or family branch. Segregated balances, consolidated reporting.
Yacht, aircraft & asset companies
Separate accounts per asset. Crew payroll, maintenance payments, port fees — one dashboard, clean audit trail.
Private funds, trusts & foundations
Tamper-proof record of every movement. Multi-party approval on sensitive operations. Auditor-ready export.
Digital organizations & fractional ownership
Crypto-native. Hold, swap, and spend stablecoins alongside fiat. Payment requests let token holders contribute without a paype account.
Unlimited sub-accounts — a separate wallet for every part of your business.
Open as many sub-accounts as your business needs — each with its own balance, its own card, its own spending limits, and its own assigned users. Run operating funds, reserves, client escrow, and per-project wallets inside one paype account, each with entirely separate access controls.
Sub-account per project
Separate balance and card for each client, campaign, or cost center. Nothing bleeds across.
Per-account spending limits
Cap each sub-account by day, transaction, or category. No end-of-month surprises.
Virtual and physical cards
First virtual card free per account. Additional virtual cards $1/month. Physical card $15 one-time.
Budget tracking
Real-time view of spending per sub-account, per card, per category. One dashboard.
Three roles. The right access for every person on your team.
Add team members with the right level of access — nothing moves without deliberate approval from the right person.
| Role | What they can do |
|---|---|
| Full access | Initiates, approves, and settles transactions. Cannot access other team members' sub-accounts. |
| Assistant | Prepares and drafts transactions. Nothing moves until the account owner approves. |
| View-only | Sees balances, statements, and history — no action buttons. For accountants and auditors. |
No month-end scramble.
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Accounting export
Export every transaction in a bookkeeper-ready format. Tag by project, filter by date, pull by sub-account. Your accountant gets a clean, pre-sorted ledger.
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Project tagging
Attach any transaction to a client, campaign, or cost center. Filter by project and export.
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Permanent, verifiable transaction records
Every send, approval, and conversion is recorded with a tamper-proof signature. Your accountant or auditor can verify the full history independently — no PDFs, no trust required.
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Compliance handled for you
Identity verification at sign-up. All regulatory checks run in the background — you never have to manage compliance manually.
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AI employees
Five AI employees — compliance, books, care, sales, and office — are available in every business account. AI-assisted. Human review available. See the FAQ for details →
Free to open. Same fees as personal.
Business accounts use the exact same fee schedule as personal accounts. No monthly business fee. No per-user charge. No hidden enterprise tier. You only pay when you move money — and you always see the fee first. Rates drop automatically as your volume grows.
Some business categories carry a fee surcharge — contact us before applying if you operate in a regulated sector to confirm fit.
Need a quote for high-volume contractor payments? Reach us on Telegram @paype or via our contact form with your monthly volume and primary use case — we reply within one business day.