Tailored Pricing for Unstoppable Growth
PhotonPay makes global payments simple and cost-effective, giving you full control over your transactions.
Transparent Pricing
Clear costs, no setup fees, monthly fees, or hidden charges.
Flexible Payouts
Choose your settlement date and currency.
Competitive Exchange Rates
Lower costs, higher savings, great exchange rates for each transactions.
Embedded Finance
Customized packages for business needs. One integration for global payments.
Everything you need to spend with confidence
With multi-currency accounts, virtual payment cards, expense tracking, and seamless online transactions,
PhotonPay makes global business expansion effortless and worry-free.
PhotonPay makes global business expansion effortless and worry-free.
Global Accounts
Protect your funds and extend your runway.
Global Account Creation Fee
All Global Account Creation Fees are waived except for a certain Global Account type.
FREE
Global Account Receiving Funds Fee
0.3%
Payouts
Enable faster and more cost-effective transactions worldwide.
Transfers in CNY
0.1%
Payout to Wallet (e.g. PayPal)
2% + $2
Local Transfer Fee
$3
SWIFT (SHA) Transfer Fee
SHA: Both the client (sender) and beneficiary will pay fees to the sending bank i.e. fees for the outgoing transfer. Beneficiary will receive the amount transferred less the intermediary banks' fees.
$15
SWIFT (OUR) Transfer Fee
OUR: The client pays for the wire transfer fees charged by intermediary banks.
$45
The above are just partial listings of clearing network charges. If you have further needs, please feel free to contact us for more quotes.
Business Expense & Card Management
Make payments in multiple currencies and monitor spending in real time.
Card Issuance Fee
$1
per card
Card Management Fee
$0.1
per active card per month
Transaction Fee
For Transaction Fee: Per transaction under 50.00 USD will be charged at 0.3 USD. Transaction fees are only charged on successful transactions.
1%
Cross-border Transaction Fee
All cards are waived for Cross-border Transaction Fee except for a certain card type.
FREE
Embedded Finance
One API integration to explore your business
Flexible pricing
Accounts as a Service (Matrix)
Provide secure, feature-rich accounts on an integrated platform
Card as a Service
Offer prepaid card solutions for commercial use
Payment as a Service
Enable seamless fund transfers with control and transparency
Contact sales
Security at Our Core
Focus on your business, while we focus on delivering your payments securely.
Regulatory Compliance
Obtained payment licenses or permits in multiple countries and regions, including HK, US, CA, UK, and PL, ensuring secure and compliant global operations.
Financial Security
Customer funds are kept in reserve accounts with top-tier international clearing banks. All transactions are made with the customer's authorization.
Privacy Protection
Strong encryption and control protect user data and funds. User information won't be shared with third parties unless authorized or required by law.
View our Privacy Policy >
Anti-Money Laundering and Anti-Fraud
Adheres to international AML conventions and local regulations by implementing KYC procedures and AML screening for compliance.
PhotonPay Enables Over
200K Startups of All Sizes to Operate at
Their Highest Level.
200K Startups of All Sizes to Operate at
Their Highest Level.
