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Workforce OS
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Payroll Mastered
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Every Payment Mastered
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Intelligence Layer
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Compliance Mastered
Core Employment Services
Platform
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
Platform
overview
Core
Global payments infrastructure
Payments
API
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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
Platform
overview
Core
Compliance intelligence engine
Knowledge base copilot
AI
Core
AI compliance assistant
Countrypedia
Core
Country-by-country regulations
Paymentspedia
Global payment intelligence
We Own It
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Risk & liability coverage
Payment protection
Product releases
Enterprise Grade
Built for Fortune 500
Security & compliance
Licensed financial institution
Payments transparency
180+ countries coverage
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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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BPO companies
Multi-country BPO payroll
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Workforce OS
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
</svg
Global benefits
SmartExpense Agent
View all Workforce OS
Contingent OS
External Workforce Mastered
Core Services
Platform overview
Core
Contractor management
Core
Worker classification
Core
Platform Capabilities
VMS connector
View all Contingent OS
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
View all OnePay
OneData
Intelligence Layer
Core Intelligence
How OneData works
Core
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 manage Multi-Currency on Payments OS