Questions answered.
Everything a due-diligence visitor asks before signing up. If your question isn't here, reach us on Telegram @paype, via our contact form, or email hello@paype.cc.
General
| 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 |
High-risk businesses (see below) are assessed individually at onboarding. Reach us on Telegram @paype or via our contact form before applying to confirm fit.
Identity verification runs at onboarding. Snap your government-issued ID and a selfie. Automated — most accounts are live within minutes. It costs you nothing.
Your verified identity is reusable: verify once and it travels with you across paype services — no re-submitting documents for every new product you use.
Unlimited. Each sub-account has its own balance, its own card or cards, its own spending limits, and its own user permissions.
You can run operating funds, reserves, client escrow, and per-project wallets all inside one paype account — each with entirely separate access controls. A business can give contractors visibility into one sub-account without touching others.
Full access — initiates, approves, and settles transactions. Nothing moves without this user's deliberate confirmation.
Assistant — drafts and prepares transactions on the full-access user's behalf. Nothing moves until the full-access user confirms.
View-only — read access for accountants and auditors. Sees balances, statements, and history. No action buttons.
Security & funds
No. paype.cc is a Money Services Business (MSB), not a bank. Your paype balance is not a bank deposit and is not insured by FDIC (US federal deposit insurance) or any other government deposit insurance scheme.
Your funds are held in segregated accounts separate from paype's own operating funds — paype's business finances cannot touch your balance. But unlike a bank deposit, there is no government backstop if the underlying institution fails.
This is the trade-off of an MSB: lower friction, lower fees, more flexibility — without FDIC protection. Read the full picture in our Sailor Beware disclosure.
Every transaction requires your deliberate approval — your PIN, biometric, or a second person on your account for larger amounts. Nothing moves without your explicit action.
paype cannot initiate or authorize transactions on your behalf. You confirm on your phone; the app records a permanent proof of that confirmation. Your accountant or auditor can verify the full history independently.
Pricing & tiers
Big Band — triggers at $500 in fees in a calendar month. 25% off all fees for the remainder of that month. Resets monthly. No sales call, no contract.
Orchestra — triggers at $1,000 cumulative fees in a calendar year. 40% off all fees for the remainder of that year. Resets annually.
Both tiers are automatic. When you cross the threshold, your rate drops immediately for the rest of the period. Melody is the default starting point — Orchestra rates are the best you can get, and the discount is automatic as you grow.
A 50% surcharge on all fees applies to businesses in: crypto exchange or brokerage, gambling and online gaming, adult content, arms and defense, FX brokerage, affiliate marketing and media buying, and nutraceuticals / supplements.
High-risk status is assessed at onboarding based on your declared business category and transaction flow. It is reviewed quarterly. High-risk accounts still qualify for Big Band and Orchestra tier discounts — applied on top of the surcharge base.
Reach us on Telegram @paype or via our contact form before applying if you're in a high-risk category — we'll confirm fit.
Features
paype is a Progressive Web App (PWA) — no app store required. Open paype.cc in your browser, add it to your home screen with one tap, and it works exactly like a native app: full-screen, offline-capable, push notifications. No downloads, no updates, no Apple or Google approval delays. You always have the latest version the moment you open it.
Yes. Create a payment request in the app and share a hosted link. Your counterparty opens the link and pays by card, bank transfer, or crypto — no paype account required. Funds land in your paype balance.
Every paype account comes with five AI employees. They are role-specific agents with permissions on the account — not chatbots.
- Claire — Office: admin tasks, scheduling, document management
- Spectre — Compliance: monitors activity, flags anomalies
- Vera — Books: accounting, reconciliation, export formatting
- Rich — Sales: invoicing, payment request management
- Hugo — Care: email support, dispute handling
They act with your authorization, within the same role-based access model as human team members.
AI-assisted. Human review available — a person can step in on anything that matters.
Reach us on Telegram @paype or our contact form