Every way to get paid.
Every way to pay out.
One account. Every payment rail — both directions. Companies worldwide and Montana residents share the same fee schedule.
Pay-in methods — fund your account & receive client payments
These rails work in both directions: you can fund your own account AND your clients can pay you through them via payment requests. Two use cases, same rail.
| Method | What you can do | Status |
|---|---|---|
| US bank transfer | Fund your balance from a US bank (free, 1–2 days) · Clients pay you via bank link | Live |
| International wire | Receive wires from 170+ countries · Clients wire internationally | |
| EU bank transfer | Receive EUR from EU banks · EU clients pay in EUR | Roadmap |
| Card (payment request) | Clients pay you by debit or credit card via a shared link | Live |
| Crypto deposit | Fund with BTC, ETH, USDT, USDC · Clients pay you in crypto | Live |
| Payment request link | Share a link — your client chooses any method to pay | Live |
| paype-to-paype | Receive from any paype user instantly · Free | Live |
Pay-out methods (send money)
| Method | How it works | Best rate |
|---|---|---|
| US bank transfer | Push to your linked US bank. 1–2 days. | Free |
| International wire | Send to banks in 170+ countries. | $15 + 0.45% |
| EU bank transfer | Send EUR to any EU bank account. | $3 + 0.21% |
| Crypto withdrawal | Send to any external wallet. Network fees at cost. | pass-through |
| Card spend | Spend anywhere Apple Pay or Google Pay is accepted. | No paype fee |
| paype-to-paype | Send instantly by username or phone number. | Free |
Supported crypto & stablecoins
| Asset | Networks | Spot buy/sell (Orchestra) | Instant swap (Orchestra) |
|---|---|---|---|
| Bitcoin (BTC) | Bitcoin mainnet | 0.12% | — |
| Ethereum (ETH) | Ethereum mainnet, Arbitrum | 0.12% | 0.30% |
| Tether (USDT) | TRON, Ethereum, Arbitrum | 0.12% | 0.30% |
| USD Coin (USDC) | Ethereum, Arbitrum | 0.12% | 0.30% |
Full fee schedule including all tiers (Melody / Big Band / Orchestra) at paype.cc/pricing.
Account eligibility by method
Personal accounts: Available to Montana residents (US) and globally except CA, NZ, AU, EU (coming soon). Can use US bank transfer, card spend, crypto, and paype-to-paype. International and EU wire available for business accounts.
Business accounts: Open to companies worldwide — including Montana, US and CA/NZ/AU/EU. All methods above available (EU bank transfer subject to roadmap timeline). No US entity or US bank account required to open.
See Onboarding & compliance for identity verification requirements and eligible business types.
Free to open · No monthly fee · Companies worldwide