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Workforce OS
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Every Payment Mastered
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Core Employment Services
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overview
Core
End-to-end payroll platform
Global
payroll
Core
Run payroll in 180+ countries
Employer of record
(EOR)
Core
Hire anywhere without entities
Contractor of record (COR)
Compliant contractor engagement
Platform Capabilities
Shadow payroll
Cross-border tax obligations
Time & attendance
Track hours, shifts & PTO
Workforce analytics
Real-time workforce insights
Employee app
Employee self-service portal
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Global benefits
Manage benefits across borders
SmartExpense Agent
Automate expense tracking & reporting
Core Services
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overview
Core
Unified contingent platform
Contractor
management
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End-to-end contractor lifecycle
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classification
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AI-backed risk determination
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VMS connector
Connect your VMS seamlessly
Core Payment Services
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overview
Core
Global payments infrastructure
Payments
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Embed payroll payments anywhere
Payment
rails
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Fastest in-country delivery
Banco
wallet
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Instant worker access to pay
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Split payments
Pay across multiple accounts
Virtual IBAN account
Dedicated receiving accounts
Core Intelligence
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Single workforce data model
AI data
assistant
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AI-powered data validation
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Connect your HCM & ERP stack
Payment connector
Integrate any payment source
JE automation
Automated journal entries
Core Tools
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overview
Core
Compliance intelligence engine
Knowledge base copilot
AI
Core
AI compliance assistant
Countrypedia
Core
Country-by-country regulations
Paymentspedia
Global payment intelligence
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Security & compliance
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Rapid global expansion
Enter new markets in days
Compliance & risk
We own the liability
Vendor consolidation
One platform, not twelve
Cost optimization
30% ops cost reduction
Banco wallet
Instant worker access to pay
Global equity
Equity for every employee
Global immigration
Visa & mobility management
AI Expense agent
Streamlined expense reporting
Global coverage
Operations in 180+ countries
US solutions
Full US workforce compliance
Global benefits
Competitive local benefits
Statutory payments
Mandated payments, automated
Maritime
Crew payroll & compliance
Oil and gas
Rotational workforce payroll
Gaming
Global gaming workforce
Staffing firms & MSPs
Scale your staffing operations
Freelance platforms
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Payroll Mastered
Core Employment Services
Platform overview
Core
Global payroll
Core
Employer of record (EOR)
Core
Contractor of record (COR)
Platform Capabilities
Shadow payroll
Time & attendance
Workforce analytics
Employee app
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Global benefits
SmartExpense Agent
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Contingent OS
External Workforce Mastered
Core Services
Platform overview
Core
Contractor management
Core
Worker classification
Core
Platform Capabilities
VMS connector
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OnePay
Every Payment Mastered
Core Payment Services
Platform overview
Core
Payments API
Core
Payment rails
Core
Banco wallet
Core
Platform Capabilities
Split payments
Virtual IBAN account
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OneData
Intelligence Layer
Core Intelligence
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AI data assistant
Core
Platform Capabilities
Integration & mapping
Payment connector
JE automation
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One
Compliance Mastered
Core Tools
Platform overview
Core
Knowledge base copilot AI
Core
Countrypedia
Core
Paymentspedia
View all One
Why Papaya
We Own It
Full Liability Ownership
Risk & liability coverage
Payment protection
Product releases
Enterprise Grade
Built for Fortune 500
Security & compliance
Licensed financial institution
Payments transparency
180+ countries coverage
AI + Human Experts
Side-by-Side Delivery
Embedded AI
In-country experts
Pays for Itself
Speed & ROI Proof
ROI calculator
Customer proof
Support
Solutions
By Workforce Type
Independent contractors
Compliant engagement globally
Payroll workers
Full-time employees anywhere
Gig workers / freelancers
Flexible talent at scale
Hybrid workforce
Mixed employment models
By Business Need
Rapid global expansion
Enter new markets in days
Compliance & risk
We own the liability
Vendor consolidation
One platform, not twelve
Cost optimization
30% ops cost reduction
Banco wallet
Instant worker access to pay
Global equity
Equity for every employee
Global immigration
Visa & mobility management
AI Expense agent
Streamlined expense reporting
By Geography
Global coverage
Operations in 180+ countries
US solutions
Full US workforce compliance
Global benefits
Competitive local benefits
Statutory payments
Mandated payments, automated
By Industry
Maritime
Crew payroll & compliance
Oil and gas
Rotational workforce payroll
Gaming
Global gaming workforce
Staffing firms & MSPs
Scale your staffing operations
Freelance platforms
Marketplace payout solutions
BPO companies
Multi-country BPO payroll
Multinational companies
One platform, every market
Accounting firms
White-label payroll services
Resources
Learn
Grow your knowledge
Academy
Glossary
Library
Blog
Research
Proof & Validation
See the results
All case studies
Customer stories
Tools
Interactive utilities
Global employment cost calculator
IBAN checker
SWIFT finder
RFP template
Company
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How to automate your journal entries