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
安全与合规
安全是我们的第一准则
牌照合规
申请并成功获得中国香港、美国、加拿大、英国、波兰等多个国家及地区的支付牌照或许可，在全球范围内持续开展安全合规的业务。
资金安全
客户境外资金存放于国际一级清算银行的备付金账户，受各国金融监管部门和银行的双重保护。所有资金操作严格遵循客户指令授权。
隐私保护
强大的加密技术和管控流程，严格保障用户信息及资金安全。未经授权或根据当地监管必须的要求，不会将用户信息透露给第三方。
查看我们的隐私政策 >
反洗钱反欺诈
严格遵循国际反洗钱公约及各国监管机构的法律法规要求，建立了反洗钱及反恐融资合规体系，并全面执行KYC流程及AML筛查机制，积极践行合规展业要求。
数字金融基础设施
选择 PhotonPay 光子易，一站式轻松管理全球资金
