Global Payments
Without Limits
Send, receive, spend and grow your money — anytime, anywhere with PayAer.
- Countries supported
- 100+Countries supported
- Currencies
- 50+Currencies
- Happy users
- 1M+Happy users
•••• •••• •••• 4972
Debit
Rails PayAer settles on
- SWIFT
- SEPA
- ACH
- BEP20 · BSC
- Visa
- Mastercard
Everything you need to move money
Multi-currency wallet
For Individuals
Low transfer fees
For Individuals
Spend with PayAer card
For Individuals
Crypto made easy
For Individuals
Business accounts
For Businesses
Mass payments
For Businesses
API & integrations
For Businesses
Dedicated support
For Businesses
One transfer. Four stages. No surprises.
Every payment follows the same path, and you can see which stage it is in at any moment.
You send
Enter an amount and a recipient. The fee is shown before you confirm, never after.
We check
Sanctions, limits and fraud scoring run before a single unit of money moves.
We settle
Funds move across the right rail for the corridor — SWIFT, SEPA, ACH or BEP20.
They receive
The recipient sees the money in their wallet, with the same reference you saw.
Every stage writes a balanced ledger entry. Nothing is adjusted after the fact.
SettledThe numbers behind the promise
Three claims a payments company should be willing to show rather than assert.
What a $1,000 transfer costs
Total cost including the exchange-rate margin, not just the headline fee.
- PayAer0.5%
- Digital wallets2.9%
- High-street bank4.6%
- Cash bureau6.2%
When transfers actually land
Distribution across all corridors over the last 30 days.
38 seconds
Median settlement, wallet to wallet.
Double-entry, always
Balances are never edited. Every movement is two entries that must agree.
Built for businesses that ship
A REST API with idempotency on every money-moving call, so a retried request can never pay twice.
- Idempotency keys on every write
- Signed webhooks with replay protection
- Sandbox that mirrors production exactly
- Predictable, documented error shapes
POST /api/v1/transfers
Idempotency-Key: a3f1c9…
{
"recipient": "maha@example.com",
"amount": "250.00",
"currency": "USD"
}
→ 201 Created
{
"status": "completed",
"fee": "0.50"
}Pricing you can read in one line
No monthly fee for personal accounts. No charge to receive.
Personal
Freeto open and hold
For sending, spending and holding money across currencies.
- Multi-currency wallet
- 0.5% on transfers
- Free to receive
- Virtual card included
Business
$30per month
For merchants taking payments and paying out at scale.
- Everything in Personal
- Mass payouts
- REST API & webhooks
- Dedicated support
- Physical cards for staff
Enterprise
Customtalk to us
For platforms moving money on behalf of their own customers.
- Negotiated corridor pricing
- Named account manager
- Custom settlement windows
- Compliance reporting
Exchange rates are the mid-market rate plus a stated margin. The margin is shown before you confirm.
Bank-level security. Built into everything we do.
Every transfer, balance and key is protected by the same controls we would demand of our own money.
Advanced encryption
TLS 1.3 in transit and AES-256 at rest, on every record we hold.
Fraud monitoring
Every movement is scored continuously, and anything unusual is held before it settles.
Secure infrastructure
Isolated services, least-privilege access and a full audit trail on every sensitive action.
Your data, your control
Non-custodial crypto keys never leave your device. Export or delete your data whenever you want.
Open an account in minutes.
No paperwork to post, no branch to visit, no minimum balance.