Three steps. Any money. Any direction.
One account where your bank, your crypto, and your card connect. Here's how it works.
Open your account
Download the app, verify your identity (minutes, free, once and done), and you're in. No paperwork.
Fund it
Link your US bank (free), deposit crypto, or receive an international wire. Your balance is in USD.
Move money anywhere
Send to any bank in 170+ countries, to any crypto wallet, or to another paype user instantly. Spend with Apple Pay / Google Pay. Payment requests let anyone pay you without a paype account.
Money in — fund your account, or let clients pay you
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US bank transfer — free
Link your US bank account and fund your paype balance. Free. Standard settlement time applies.
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International bank wire
Receive wires from any country. Small inbound fee. See pricing →
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Crypto deposit
Deposit BTC, ETH, USDT, or USDC. Settle to your USD balance at live rates.
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From another paype user
Receive from any paype user by phone number. Instant and free.
Payment directions — what goes out
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Card spend (Apple Pay & Google Pay)
Spend your balance anywhere contactless is accepted. No paype fee on card spend.
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International bank wire
Send to 170+ countries. Fee shown before you confirm — from $15 + 0.45%. Full fee schedule →
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Euro bank transfer (EU)
Send to any EU bank account. See pricing →
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US bank payout — free
Withdraw USD to your linked US bank account. Free.
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paype-to-paype — free
Send to any paype user by phone number. Instant, free.
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Crypto out
Convert and withdraw to any external wallet. Network fee passes through at cost — paype adds no markup.
Security built in
Small payments go through instantly; big ones ask for a second confirmation. Every transaction leaves a permanent, tamper-proof record. Your funds are held separately from paype's own money — always. Read more on the Security page →
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<div><strong style="font-family:var(--font-display)">Ready to try it?</strong><br><span style="font-size:0.9rem">Free to open · Verified in minutes · No paperwork</span></div>
<a href="https://my.paype.cc/shared/_HWhUqMR9r7ZGO75Gd9HUcEbj9DZbOvaoco7JhQ_bpU" data-open-account class="btn btn-primary">Open your account — free</a>
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