Trusted Payment Solution to Power Your Business Growth

In today’s fast-paced globalized world, businesses need more than just a payment service provider—they need a global payment partner that accelerates business growth. Whether you are expanding into international markets, managing overseas suppliers, or optimizing your global cash flow, PhotonPay is the trusted solution.

As a leading global payment platform and digital financial infrastructure provider, PhotonPay offers a full suite of services including Global Accounts, Card Issuing, Online Payments, Payouts, FX Management and Embedded Finance. PhotonPay has become a Mastercard issuer in Hong Kong and the fintech card issuer in the Greater China region of Discover® Global Network.

With a strong compliance culture and technological innovation capabilities, PhotonPay is building a digital payment network to take the friction out of global payments and enhance operational efficiency for businesses operating on a global scale.

Headquartered in Hong Kong and providing localized services through nine international offices, PhotonPay partners with a network of top-tier banks and global financial institutions and serves more than 200,000 customers globally.

One-Stop Solution to Turn the Complex and Global into the Simple and Local

PhotonPay offers a powerful one-stop global payment platform built for cross-border businesses. It supports real-time multi-currency transactions, rapid settlement, and bank-grade security—simplifying international transactions and making online payments seamless and reliable.

With global accounts, businesses can receive payments as a local entity in major currencies like USD, EUR, and GBP, reducing transfer fees and speeding up settlements. The user-friendly dashboard gives full visibility and control over global finance.

PhotonPay directly integrates with major e-commerce platforms like Amazon, Shopify, and Shein. Businesses can collect payments in the original currency, minimizing FX losses.

The PhotonPay Card, a multi-currency business card backed by Mastercard and Discover® Global Network, supports both virtual and physical formats. It enables low-cost, high-efficiency online and offline payments for advertising, platform fees, procurement, logistics, and travel—all from a single card.

PhotonPay also supports multiple integration methods, including website plugins, hosted checkout pages, and API embedding. Its global acquiring service supports credit cards, e-wallets, and localized payment methods—giving customers familiar, secure payment options and boosting conversion.

With global payouts, PhotonPay enables businesses to send payments to over 180 countries and regions in 60+ currencies. Fast settlements (as quick as T0), including payouts to PayPal wallets, empower advertisers, influencers, and e-commerce brands to pay globally with ease.

Why Choose PhotonPay?

✅ All-in-One Global Payment Solution

From global account collections to merchant acquiring and global payouts, PhotonPay covers the entire cross-border payment flow—ideal for e-commerce, SaaS, and marketing service providers.

✅ Local Accounts, Global Collections

Open multi-currency global accounts and receive payments like a local business—no need to set up overseas entities.

✅ PhotonPay Card: Freedom in Global Spending

Pay for advertising, travel, or suppliers with a secure, flexible PhotonPay Card. Monitor and manage spending in real time for complete financial transparency.

✅ API & System Integration

Modular APIs for account opening, card issuance, and payouts. Seamlessly integrates with ERP, e-commerce, and SaaS systems for automated reconciliation and efficient operations.

✅ Global Compliance and Local Support

PhotonPay holds financial licenses in Hong Kong (MSO), US (MSB), Canada (MSB), UK (API), and Poland (SPI), partnering with top-tier banks worldwide. With 24/7 multilingual support, you can operate confidently across borders.

Open a multi-currency global account online

Frequently Asked Questions

1. What is a global account and why do I need one?

A global account is a multi-currency account that allows businesses to receive payments in major currencies like USD, EUR, and GBP. With PhotonPay, companies can collect payments like a local business, reducing transaction costs and improving cash flow.

2. What is PhotonPay Card and when should I use it?

The PhotonPay Card is a virtual or physical business card used for global spending. Ideal for ad payments, team expenses, and supplier payouts, it provides real-time tracking via PhotonPay’s dashboard. The card meets PCI DSS Level 1 compliance and is issued in partnership with top card networks for secure, reliable transactions.

3. Can PhotonPay handle large-scale global payouts?

Yes. PhotonPay is built to handle high-volume global payouts, including recurring vendor payments and mass commission disbursements. Businesses benefit from fast, secure, and cost-effective global transfers to 180+ countries.

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