PhotonPay Pricing: Fees and Plans

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.

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

0.30%

Payouts

Enable faster and more cost-effective transactions worldwide.

Transfers in CNY

0.10%

Payout to Wallet (e.g. PayPal)

2% + $2

Local Transfer Fee

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

per card

Card Management Fee

$0.10

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.

Global Transaction Fee

All cards are waived for Global Transaction Fee except for a certain card type.

FREE

Embedded Finance

One API integration to explore your business

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

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.

Anti-Money Laundering and Anti-Fraud

Adheres to international AML conventions and local regulations by implementing KYC procedures and AML screening for compliance.

Transparent Pricing

Flexible Payouts

Competitive Exchange Rates

Embedded Finance

Everything you need to spend with confidence

Global Accounts

Global Account Creation Fee

Global Account Receiving Funds Fee

Payouts

Transfers in CNY

Payout to Wallet (e.g. PayPal)

Local Transfer Fee

SWIFT (SHA) Transfer Fee

SWIFT (OUR) Transfer Fee

Business Expense & Card Management

Card Issuance Fee

Card Management Fee

Transaction Fee

Global Transaction Fee

Embedded Finance

Accounts as a Service (Matrix)

Card as a Service

Payment as a Service

Security at Our Core

Regulatory Compliance

Financial Security

Privacy Protection

Anti-Money Laundering and Anti-Fraud

Power Your Global Growth with PhotonPay

Location and language