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Where the World
does finance

Where the World does finance

In just 8 minutes, you will experience excellent online business banking that redefines the way your business operates. Available on mobile and PC.

Send and receive money worldwide, in seconds

No hidden fees—just clear, transparent pricing every time.

Always know what you pay

Fees as low as 0.15%. Enjoy seamless transactions with fees so low, you'll wonder why you ever paid more.

No hidden fees—just clear, transparent pricing every time.

All your business needs to operate globally

From cross-border payments to multi-currency accounts, we provide the tools to power your global transactions.

Locally grounded. Globally active.

Run your international operations without leaving your base.

Send, Spend and
Receive.

Provide your team with business debit cards for international use, eliminating foreign currency transaction fees. Establish individual spending limits for each card, and enjoy a 0.5% cash back reward on all purchases.

Local and global payments that save you money

Receive a dedicated IBAN to transact with your clients, and suppliers in over 100 countries – from the America to the Middle East. Make and receive domestic payments in the UK, Europe, and the USA using local account details.

All payments, in one digital enterprise solution

Take full control of how your money flows — anytime, anywhere.

Pay bills right from your bank account

Automate billing workflows, manage subscriptions, and get paid faster—all in one place.

Streamline your invoicing and get paid easier

Send an online invoice that customers can pay fast using their preferred payment method, even if they don’t have an account with Paayco.

Simple payment gateway integration

Our powerful payment gateway lets your business accept customer payments online—quickly, securely, and in multiple currencies. Whether you're selling products or services, Paayco makes transactions effortless.

Business account without borders

Apply now to experience the power of simple business banking!

Dedicated IBAN and Sort Code

Get Sort Code for your local transactions and IBAN for all your international payments

Every currency account gets a dedicated IBAN

Bank beating exchange rates

Get the lowest exchange rate charges in all payments the involve currency conversion.

No hidden fees. Know your charges upfront before you transact.

Instant virtual card

Obtain a virtual card right after opening your account.

Unlimited cashback on all spend .

We prioritise your financial workflows

Take full control of how your money flows — anytime, anywhere.

Stop worrying about payroll

Automate payouts, track salaries, and stay compliant — all in one place, without lifting a finger.

Team management made simple

Assign task, control team member permissions, track and monitor the activities of team members for high productivity.

Accounting that runs itself

From reconciliations to reports, streamline your books with smart automations that do the heavy lifting for you.

Your money is always safeguarded

PCI DSS, SOC 2 and ISO 27001 certified

Our organization has achieved compliance with both the Payment Card Industry Data Security Standard (PCI DSS) - specifically focused on protecting credit card data - and the International Organization for Standardization (ISO) 27001 standard.

Protected by Top Financial Institutions

We securely store your money with reputable financial institutions, keeping it separate from our own accounts, and it remains inaccessible to our partners during the normal course of business.

FINANCIAL SERVICES COMPENSATION SCHEME

The Financial Services Compensation Scheme (FSCS) is the UK's statutory compensation scheme for customers of UK authorised financial services firms and protects up to £85,000 per person, per financial institution.

PURPOSE OF SAFEGUARDED ACCOUNT

Safeguarding is used by Payment Institutions and E-Money Issuers to protect funds it holds in-trust for the beneficial use of underlying users in the event they were to go into liquidation. It ensures that the funds can only be used to complete the payment as instructed or, should that prove to be impossible, the funds are returned to the original payer.

Hold funds in 28+ currencies

Manage your money effortlessly with multi-currency accounts, enabling you to hold, convert, and transact in over 20 currencies worldwide.

Everything you need to send and receive payments globally

Simplify your global transactions, and manage your business finances conveniently — all in one place with Paayco.