Open in minutes.
Almost anywhere in the world.
Identity verification is in-app and automatic — done once, remembered forever. Most accounts open the same session. Companies worldwide and Montana residents welcome.
Account types & eligibility
| Individuals | Companies | |
|---|---|---|
| Montana, US | ✅ Open now | ✅ Open now |
| Rest of United States | ❌ | ❌ |
| Global (except CA, NZ, AU, EU) | ✅ Open now | ✅ Open now |
| Canada, NZ, Australia, EU | ⏳ Coming soon | ✅ Open now |
Additional personal-account jurisdictions (CA, NZ, AU, EU) will be added as regulatory approvals are obtained. Your company just needs to be registered in a non-sanctioned jurisdiction and not fall in the prohibited list below.
How to open an account
Identity verification is quick, automated, and done once. Your verified identity stays with you — no re-submitting documents for each new paype service.
Personal
- Download the paype app and enter your email and phone number.
- Upload a government-issued photo ID (passport, driver's license, or national ID card).
- Take a selfie for liveness verification.
- Most personal accounts open within minutes. In some cases we may ask for proof of address.
Business
- Provide your registered business name, jurisdiction, and registration number.
- Upload company registration documents (certificate of incorporation or equivalent).
- Verify each person who owns 25% or more of the business — photo ID and proof of address required for each.
- Declare your business activity and anticipated transaction volumes.
- Most business accounts open the same session. Complex structures or high-risk business types may take 1–3 business days.
Businesses we're built for — a safe haven
We're a breath of fresh air for entrepreneurs and their legitimate businesses trying to work as they should in the brave new crypto and AI era. We're bad news for hackers, scammers, criminals, and money launderers. The businesses that thrive with us:
- Digital nomads — run your business from anywhere, get paid in any currency
- Entrepreneurs in emerging economies — access global rails without a US entity
- Holding structures & family offices — segregated sub-accounts, consolidated reporting
- Yacht, aircraft & asset companies — per-asset accounts, crew payroll, clean audit trail
- Private funds, trusts & foundations — tamper-proof audit trail, multi-party approval
- Digital organizations & fractional ownership — crypto-native, stablecoin on/off ramp
Businesses we cannot serve
We operate strict controls on who can open an account. Broadly: if your business exists to evade laws, move money without authorization, or trade in illegal goods or services, we cannot serve you — regardless of jurisdiction.
Some business types carry a surcharge rather than a prohibition. See the surcharge categories below, or read our full eligibility policy →
High-risk business surcharge
A +50% surcharge on all fees applies to businesses in: crypto exchange or brokerage, online gambling with a valid license, adult content with age verification, arms and defense for licensed dealers, foreign exchange brokerage, affiliate marketing and media buying, and nutraceuticals/supplements. Reach us on Telegram @paype, via our contact form, or email hello@paype.cc before applying if you're in a high-risk category.
Free to open · Verified in minutes · Companies worldwide
paype is not a bank — your balance is not FDIC-insured. Your funds are held separately from paype's money, but there is no government deposit guarantee. Full risk disclosure →
Once your account is open, paype may periodically re-confirm your identity or ask about unusual transaction flows. Full ongoing-compliance details →
Further reading: Legal structure & disclosures · Terms of Service · Security · FAQ