Got questions? We’ve got answers.

Download the paype app, enter your email and phone number, snap a photo of your government-issued ID, and take a selfie. Our in-app KYC (Know Your Customer) flow verifies your identity — most accounts open in minutes. No branches, no paperwork, no waiting.

You need a government-issued photo ID (passport, driver’s license, or national ID card) and a clear selfie. In some cases, we may ask for proof of address (utility bill, bank statement) if automated verification needs a second look.

No. Open an account with zero dollars. No minimum balance, no monthly fees. You only pay when you move money — and you always see the fee before you confirm.

You can fund your account via: bank transfer (SWIFT / SEPA), crypto deposit (BTC, ETH, USDT, USDC), credit or debit card, or receive from another paype user (free, instant). All options are in the app under "Add money."

SWIFT transfers typically settle in 1–3 business days. SEPA transfers typically settle within 1 business day. The funds will appear as pending in your paype balance while the transfer processes.

Yes. In the app, go to "Add money" → "Crypto" and select the asset. You’ll get a deposit address. Send to that address and the funds will settle to your USD balance at the live rate once confirmed on-chain. Always double-check the network before sending.

Tap "Send" in the app, enter a phone number, email, or @paype handle, enter the amount, review the fee (usually free for peer-to-peer), and confirm. They get a notification instantly. If they’re not on paype yet, they’ll get a link to claim the funds.

Yes. SWIFT to 170+ countries (as low as $15 + 0.45% on Orchestra), SEPA to EU banks, and crypto to any external wallet worldwide. Check our Roadmap for the expanding rail network.

Peer-to-peer sends (paype to paype) are free. SWIFT from $15 + 0.45% on Orchestra. SEPA from $3 + 0.21% on Orchestra. Crypto withdrawals incur only the network fee — paype adds no markup. See our Pricing page for the full schedule.

BTC (Bitcoin), ETH (Ethereum), USDT (Tether), and USDC (USD Coin). You can buy, sell, send, receive, and hold all four. See our Crypto page for details.

When you sell crypto or deposit it to your paype account, it settles to your USD balance at the live market rate at the time of confirmation. You see the exact rate and fee before you tap confirm. Slippage protection pauses the trade if the market moves more than your tolerance.

Your virtual card is ready the moment your account is active — add it to Apple Pay or Google Pay in seconds from the app. To order a physical card, go to the Cards tab and tap "Order physical card." It ships to your verified address.

Anywhere Apple Pay or Google Pay is accepted — in-store, online, and in-app. That’s millions of merchants worldwide. The physical card works anywhere contactless, chip, or swipe payments are accepted.

Yes. paype.cc operates as a FinCEN agent of two MSBs — CCA.SH (crypto) and popaye.app (fiat). Your funds are held in segregated accounts. Small payments go through instantly; big ones ask for a second confirmation. Every move is recorded and provable — for you and your accountant. Multi-party control means no single person can move funds alone. Read our full Security & Compliance page.

Log into paype from any browser at paype.cc, go to Settings → Devices, and revoke the lost device. Your account locks on that device immediately. You can also freeze your card from the web dashboard. Reach us through the website if you need help.