Send payments
Send money anywhere.
Person-to-person, bank wire, or crypto — all from one account. The fee is shown before you confirm. Every transfer is authorized on your phone — no one else can move your money.
1. Peer-to-peer — instant & free
Send to anyone with a phone number, email, or @paype handle. Instant between paype users. Free.
| Method | Speed | Fee |
|---|---|---|
| paype → paype | Instant | Free |
| Phone / email (new user) | After they claim | Free |
No account numbers
Send to a phone number, email, or @paype handle. No IBANs, no routing numbers.
Send to a phone number, email, or @paype handle. No IBANs, no routing numbers.
They don't need paype
If they're not on paype, they get a link to claim. Funds return after 7 days if unclaimed.
If they're not on paype, they get a link to claim. Funds return after 7 days if unclaimed.
Instant settlement
paype-to-paype transfers land immediately. No clearing delay.
paype-to-paype transfers land immediately. No clearing delay.
Free. Always.
No limits, no tiers, no catches. P2P is free on every account.
No limits, no tiers, no catches. P2P is free on every account.
2. Bank payouts
International wire (SWIFT) to 170+ countries. SEPA to EU banks. Fee shown before you confirm — every time.
Rates drop automatically as your volume grows. See how tiers work →
| Rail | Standard | Mid-volume | High-volume | Speed |
|---|---|---|---|---|
| SEPA (EU) | $5 + 0.35% | $4 + 0.26% | $3 + 0.21% | 1–2 days |
| SWIFT | $25 + 0.75% | $19 + 0.56% | $15 + 0.45% | 1–3 days |
170+ countries
SWIFT reaches virtually every bank on Earth. One interface, one fee schedule.
SWIFT reaches virtually every bank on Earth. One interface, one fee schedule.
Fee before confirm
You see the exact cost before you tap. No guessing. No post-settlement surprises.
You see the exact cost before you tap. No guessing. No post-settlement surprises.
Auto-tier
Your rate drops automatically as volume grows. Cross $500/mo → 25% off. Cross $1,000/yr → 40% off.
Your rate drops automatically as volume grows. Cross $500/mo → 25% off. Cross $1,000/yr → 40% off.
SEPA for Europe
EUR transfers to any EU/EEA bank account via SEPA. Subject to licensing — see Roadmap for status.
EUR transfers to any EU/EEA bank account via SEPA. Subject to licensing — see Roadmap for status.
3. Crypto payouts
Convert and send to any external wallet. Network fees at cost. Multi-chain. Mass payout.
| Action | Fee |
|---|---|
| Single send to any wallet | Network fee at cost — we add zero markup |
| Mass payout (batch) | Network fees at cost — CSV upload, one confirmation |
No markup on network fees
You pay exactly what the network charges. We don't add our own fee on top.
You pay exactly what the network charges. We don't add our own fee on top.
BTC, ETH, USDT, USDC
Major coins across major networks — all from one screen.
Major coins across major networks — all from one screen.
Mass payout
Upload a CSV. Confirm once. Thousands of addresses paid in one operation.
Upload a CSV. Confirm once. Thousands of addresses paid in one operation.
Rate protection
If the rate moves too far before confirmation, the send pauses — you're never filled at a price you didn't see.
If the rate moves too far before confirmation, the send pauses — you're never filled at a price you didn't see.
Send your first payment today.
Free to open. The fee is shown before you confirm — every time. No surprises.
Open your account — freeNeed to get paid too? → Collect payments