Your money is protected by design.

How your money is protected

• ✓

  Your card number never leaves your phone

  Apple Pay and Google Pay use a unique code for every purchase instead of your real card number. If a merchant is ever compromised, your card stays safe — automatically.

• ✓

  Your identity is verified once, used everywhere

  Snap your ID and take a selfie when you open an account. Verified in minutes. You never have to repeat this — your identity travels with you across all paype services.

• ✓

  Larger payments ask for a second confirmation

  Small payments clear instantly. Larger or unusual ones automatically ask you to confirm again — by biometric, PIN, or a second team member. Nothing moves without your deliberate approval.

• ✓

  Every transaction is permanently recorded and provable

  Every send, swap, or approval is logged with a tamper-proof digital signature. You can see the full history; your accountant or auditor can verify it independently — no PDFs, no trust required.

• ✓

  No single person can move large amounts alone

  For high-value operations, a second person on your account must also approve. The two approvals are linked in the audit record — neither can be disputed in isolation.

• ✓

  Your funds are always separate from ours

  Your balance is held in accounts that are entirely separate from paype's own money. paype's business finances cannot touch your balance — ever.

<h2>Controls you manage yourself</h2>
<ul class="feature-list">
  <li><span class="fk">→</span><div><h4>Face ID / fingerprint to open the app</h4><p>Nobody else can open your paype app on your device.</p></div></li>
  <li><span class="fk">→</span><div><h4>Instant notifications</h4><p>A push notification arrives the moment money moves in or out.</p></div></li>
  <li><span class="fk">→</span><div><h4>Freeze your card in one tap</h4><p>Misplaced your card? Lock it instantly. Unfreeze when found.</p></div></li>
  <li><span class="fk">→</span><div><h4>Spending limits</h4><p>Set daily, per-transaction, or per-category caps on any card or sub-account.</p></div></li>
  <li><span class="fk">→</span><div><h4>Manage trusted devices</h4><p>See every device signed in to your account and remove any you don't recognise.</p></div></li>
</ul>

<h2>Is paype a bank? Is my money government-insured?</h2>
<p>paype.cc is not a bank — it is a licensed Money Services Business. Your balance is not a bank deposit and is not covered by FDIC (US federal deposit insurance) or any government deposit insurance scheme.</p>
<p>Your funds are held separately from paype's own operating money. That means paype's finances cannot touch your balance. But unlike a bank, there is no government guarantee if the underlying institution fails — this is the trade-off for the lower fees, faster onboarding, and global access we offer. <a href="/legal/sailor-beware/">Read the full risk disclosure →</a></p>

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  <div><strong style="font-family:var(--font-display)">Protected by design. Free to try.</strong><br><span style="font-size:0.9rem">Open in minutes · No monthly fee · All protections on by default</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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<h2 style="margin-top:40px">Questions?</h2>
<p>Reach us via <a href="/company/contact/">our contact form</a>, on <a href="https://t.me/paype">Telegram @paype</a>, or at <a href="mailto:hello@paype.cc">hello@paype.cc</a>.</p>

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  <p style="font-size:0.875rem;color:var(--color-text-muted)">For compliance and legal details: <a href="/legal/compliance/">Legal structure &amp; disclosures</a> · <a href="/legal/terms/">Terms of Service</a> · <a href="/legal/privacy/">Privacy Policy</a></p>
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