7s
instant payments to wallets
20%
savings on FX
35%
increased worker retention
Power instant global payments
55% of global contractors prefer payments to digital wallets.
Send instant payments to worker wallets in USD and other major currencies with guaranteed on-time delivery.
Choose to send funds directly to worker wallet, bank account, or split between both – ensuring your workers receive payments exactly how they prefer.
Help your workforce keep more of their earnings
With competitive exchange rates and low withdrawal fees, workers get the best value whether they spend with the Papaya Card or withdraw directly to their bank accounts.
Plus, they have the flexibility to choose the optimal moment for currency conversion, aligning with favorable rates and personal financial strategies.
Scale payments without complexity
Easily disburse payments to multiple worker wallets and bank accounts at once—whether to ten workers or thousands. Send funds in various currencies while maintaining full control over your global workforce payments.
Enable real-time payments with bank-level security
Held in J.P. Morgan accounts, worker wallets meet Tier 1 bank security standards for maximum fund protection.
Payments move directly from employer wallets to worker wallets through Papaya’s payment rails, ensuring real-time transfers and lower costs.
Power global payments under your brand
Easily launch your own branded worker wallet with Papaya’s white-label solution. Offer instant payments, multi-currency balances, and a branded card—all seamlessly embedded into your platform with built-in compliance and global scalability.
Seamless cashflow for your workers
With Papaya, workers can get an advance on their earnings, ensuring your teams have uninterrupted cash flow and financial stability.
FAQs
What makes your worker wallet payments reliable?
Employers send payments directly from employer wallets to worker wallets via Papaya’s payment rails. This ensures 100% delivery success with no risk of errors. Workers receive their funds instantly, providing immediate access to their earnings.
How does the worker wallet benefit my workforce?
Workers can receive and hold funds in multiple stable currencies, such as USD, each associated with its own Papaya Card directly linked to the corresponding wallet balance. If they prefer to transfer money to a local bank account, they can do so with low withdrawal fees and convert it into local currency at competitive FX rates. This flexibility ensures they can use their earnings for spending, saving, or transfers as needed.
Can I split payments between different accounts?
With Papaya, you can send payments directly to a worker wallet, a bank account, or split between both—ensuring your employees get paid however they prefer.
How does the Papaya Card work?
The Papaya Card acts as a debit card directly linked to the worker wallet balance, giving workers instant access to their wages. They can withdraw cash from ATMs, shop online, or make in-store purchases—just like any other payment card. Workers can choose between physical and virtual card options, both available with no monthly fees or minimum balance requirements.
Does the worker wallet offer fund visibility?
Workers have complete visibility of their wallet balance and all transactions. When transferring to bank accounts, they can track their funds in real-time, knowing exactly when money arrives.
Can I process mass payments efficiently?
Yes, send payments to multiple worker wallets simultaneously, whether paying ten workers or thousands, while maintaining 100% delivery reliability.