Join 35,000 Thriving Businesses
Guaranteed
land dates
AI onboarding
Transparent pricing
180
countries supported
130 +
local payout currencies
95 %
instant to same-day payments
Up to 80% lower than industry pricing
Get a DemoContractor of Record (COR)
Annual plan
- Direct contractor engagement by Papaya
- Uncapped indemnity coverage
- AI-powered classification
- Optional health benefits
- Local support in emerging markets
- 24/7 contractor support
Contractor Management+
Annual plan
- Robust indemnity protection
- AI onboarding agent
- Penalty coverage up to $150,000 per contractor
- Liability for on-time payments
- Wallets in up to 5 base currencies
- 24/7 contractor support
Contractor Management
Annual plan
- Hire & pay in 180+ countries,
130+ currencies - 95% instant to same-day payments
- Real-time payment visibility
- Wallets in up to 3 base currencies
- 24/7 contractor support
Instant is the new payday
Pay contractors 95% instant to same-day via local rails or Banco, powered by Papaya’s licensed payments infrastructure.
Instant payouts via Banco
Contractors can hold hard currencies and spend funds immediately with a connected Visa Debit Card or bank withdrawals.
Ideal for contractors in regions with unreliable banking infrastructure, or highly mobile workers.
Payments you can trust
Finance-grade reporting and BI
We make SWIFT redundant
Pay your contractors through Papaya’s local routes (ACH, SEPA, more), avoiding costly SWIFT intermediaries and slow delivery speeds.
The result: 95% instant to same-day payouts across 180+ countries and low, flat transaction fees that
keep your costs down.
Transaction fees are structured in three tiers ($5, $10, and $20), with 90% of corridors in the $5 tier, reflecting our strong utilization of local payment rails.
Pay your contractors instantly to same-day:
Compliance controls without slowing global hiring
Scale across borders with built-in controls that keep operations secure, without adding friction.
Local requirements handled automatically
Embedded compliance expertise
Compliance that keeps your operations secure
Built for emerging and hard-to-pay markets
Papaya enables reliable contractor payouts in regions where traditional payment methods fall short.
Reliable payments in complex regions
Infrastructure built for operational-critical industries
Payout access for mobile and hard-to-bank workers
See our platform in action
Effortless Contractor Onboarding
Watch how managers can invite, onboard, and manage contractors in minutes.
Accelerate Invoice Approvals
See how managers can review, approve, and process contractor invoices in minutes instead of days
The Contractor’s Perspective
See the intuitive interface contractors use to register, submit invoices, and select their preferred payment currency.
FAQ’s
What types of contractors does Papaya support?
Papaya supports global contractors and freelancers across 180+ countries. The platform is designed to handle high-volume, cross-border contractor operations at scale.
How does Papaya handle global payments?
Papaya is a licensed payment provider that delivers payouts through local banking rails (ACH, SEPA, and others) across 180+ countries and 130+ currencies. Funds are held in segregated and safeguarded accounts backed by Tier-1 banking infrastructure.
What payment options are available for my international contractors?
Contractors can receive payments in 130+ currencies across 180+ countries, directly to their bank accounts or digital wallets. The platform processes payments through secure banking rails powered by J.P. Morgan and Citibank. You can fund payments in any of 15 supported currencies, while contractors choose their preferred currency for receiving funds.
How does the platform handle currency conversion and FX fees?
You have flexible options for managing FX costs. You can either cover the conversion fees yourself or have them charged to contractors. The platform handles all currency conversions automatically through optimized payment rails, typically resulting in reduced FX fees compared to traditional banking methods.
How fast are contractor payments?
95% of contractor payments land instant to same day. Payments are scheduled around a guaranteed land date, so both teams and contractors know exactly when funds will arrive.
How does Papaya support compliance across countries?
Onboarding requirements automatically adjust based on country-specific compliance rules, with localized contracts. Teams also have access to Papaya’s up-to-date compliance knowledge base, providing guidance and best practices.
As engagement complexity increases, you can seamlessly transition to Contractor of Record for a fully compliant employment model – without changing your operational flow.
What happens if contractor classification risk increases?
When engagement risk increases, teams can seamlessly upgrade to Contractor of Record without changing platforms or reworking their processes.
Can Papaya support payments in emerging or hard-to-pay markets?
Yes. Papaya supports payments across Africa, LATAM, Southeast Asia, Eastern Europe, and other complex corridors using local rails where traditional SWIFT payments often fail.
Is the transaction fee really flat globally?
Papaya’s transaction fee per payout is flat globally. FX conversion may apply when currencies differ, and we provide visibility before sending.
Boost productivity and performance
Papaya’s proprietary file mapping and integration tool streamlines all compensation data, keeping payroll automated, on time, accurate.
