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Platform
Payments network
Global coverage
Enterprise connectivity time
Payment processing time
Ultimate debtor
Payment classification
Payments calendar
Funding
Payroll payments forecasting
Third-party vendor payments
Technology
Payment rails
Automations
BI & Analytics
Virtual Wallet
Predictive funding
Transparency
KYC
Integrations
Security & Compliance
Security standards certifications
Licensing
Pricing
Pricing model
Pricing Transparency
Platform
Payments network
Papaya is a licensed payment provider. We process payroll payments A-Z, with full transperncy
Global coverage
Payments available in 160 locations around the globe
Enterprise connectivity time
Up to 7 days for KYC, and one payroll payment cycle.
Payment processing time
Ranging from same-day payments in some locations to no more than 72 hours, guarantee.
Ultimate debtor
The payment recipient will see the payment as initiated by your company - not Papaya, or any third party.
Payment classification
Payments are marked as "salaries" for the banking system, enabling smoother processing and better credit scoring for your workers
Payments calendar
Papaya's payment calendar lets you see exactly when you need to fund your payment account, taking into consideration holidays and other special days.
Funding
You can fund your virtual wallet 2-3 days before payment distribution and get a full value transfer - with no hidden fees or forex volitility.
Payroll payments forecasting
Payments portal provides accurate payment forecasting, factoring payroll costs and forex volatility, so you know exactly how much to fund in your account.
Third-party vendor payments
Papaya transfers payments to authorities and third-party benefits providers, marking each as payroll related, per worker.
Technology
Payment rails
Papaya built its own payment rails, leveraging the powerful financial infrastructure of world-class banks such as JP morgan and Citibank.
Automations
Permission-based, fully automated process, from payroll to payment, provides full visibility and transparency of the process.
BI & Analytics
Papaya's unified payroll payments platform provides you with advanced workforce analytics for your entire global workforce in one place
Virtual Wallet
Your account lets you keep multiple virtual wallets for different currencies. You can access all of them to make payments to your entire global workforce in one click.
Predictive funding
We run payment simulations daily, taking Forex and employee data changes into account, so you know in advance exactly how much to fund your wallet.
Transparency
A unified platform for payroll and for payments allows complete transparency of the entire process.
KYC
Automated KYC process, approved within 7 days so you start payments with your next payroll payment cycle.
Integrations
Papaya integrates directly with platforms such as NetSuite, SAP, and others, enabling you to automate journal entries to complete the process.
Security & Compliance
Security standards certifications
With one integration to Papaya, you get bank-level security standards certified with GDPR, SOC1 Type II, SOC2 Type II, ISO 27001, ISO 27701.
Licensing
Papaya is licensed as a money transfer operator across the globe to ensure compliance in every country that you operate.
Pricing
Pricing model
Pricing starts at $3/month per employee or as part of our full service payroll plan
Pricing Transparency
Full pricing transparency with no additional costs or hidden fees
Platform
Payments network
Use multiple third party payment providers so payments are fragmented, with no transparency
Global coverage
Depending on the payment vendor, coverage is usually limited and scattered between suppliers
Enterprise connectivity time
Varies between provider. KYC usually takes 3-5 weeks.
Payment processing time
2-7 days, depending on location and provider's payment rails.
Ultimate debtor
Recipient will see the payment as initiated from the third party vendor, not your company.
Payment classification
No ability to mark payments as "salaries", thus increasing confusion among workers and lengthening screening time by banks.
Payments calendar
No payment calendar is available, increasing the risk of late payments to your workers.
Funding
You need to fund your accounts 10-14 days before payment distribution, usually with an additional 30% added as a deposit to cover unexpected bank fees and changes in forex rates.
Payroll payments forecasting
No ability to forecast full-value payment transfer due to hidden fees and forex volatility.
Third-party vendor payments
Benefits are transfered in bult without being marked as part of payroll payment, and no distinction between employees.
Technology
Payment rails
Our competitors use the third-party providers' rails, with no visibility of the path of the transfer.
Automations
No automation, control or visibilty of payment process because payroll companies sub-contract payments to third party that uses a different system.
BI & Analytics
No centralized & unified BI tool is available because data is split beween multiple providers.
Virtual Wallet
Your wallets are scattered between Third-party payments providers, and must be managed manually.
Predictive funding
Unable to predict the exact payroll amount in advance, requiring you to include larger deposits to mitigate Forex and other changes.
Transparency
A fragmented process, scattered between multiple platforms and providers, limits the transparency of the process.
KYC
Manual KYC process that requires a month or more to process for each provider, causing delays in payments.
Integrations
Integrations vary between payment providers and are typically scattered among different platforms and providers.
Security & Compliance
Security standards certifications
Depends on the particular standards of the third party payment providers outsourced to make payments.
Licensing
Depends on the third party payment providers executing your payments. Usually it takes 2 or more providers to cover your global activity.
Pricing
Pricing model
Higher costs due to outsourcing to third party payment providers
Pricing Transparency
Requires additional fees to the third party payment provider.
Payroll Management Solution
Enterprise connectivity time
Global partner model
Payroll operations
Global coverage
Platform
Payroll payment cost projection
Workers' mobile app & portal
Employment model supported
Payroll calendar
Technology
Integrations
BI & Analytics
Automated data validation
Approval chain
Automations
Additional Services
Country knowledge hub
Employment benefits
Center of Excellence
Security & Compliance
Security standards certifications
Pricing
Pricing
Payroll Management Solution
Enterprise connectivity time
It takes one payroll cycle, alongside Papaya's onboarding team for a seamless experience.
Global partner model
We use the aggregator model so you can work with multiple partners, even in a specific location. It enables you to scale faster and choose the right partners for your needs.
Payroll operations
Automated end-to-end using Papaya's proprietary technology, minimizing payroll errors.
Global coverage
Payroll solution is available in 160 countries, leverging a wide network of local partners.
Platform
Payroll payment cost projection
We run daily simulations of the entire process to project total payroll costs in advance, including forex volatility.
Workers' mobile app & portal
Platform includes a dedicated mobile app & web portal enabling the entire workforce (payroll, EOR, contractors) to access their payroll information.
Employment model supported
We support every type of worker - Payroll, EoR and contractors.
Payroll calendar
Full payroll calendar including public holidays, bank holidays, cut-off days, and tax payments days specific to each region.
Technology
Integrations
Papaya's system-agnostic platform is integrated with all HRIS, ERP, VMS, T&A, and expense management tools such as Workday, Bamboo HR, Netsuite and others.
BI & Analytics
Our unified platform - covering every step in payroll and payments - enables Papaya to offer workforce analytics allowing you to review all global workforce data in a single unified format.
Automated data validation
We leverage AI technology to validate and audit your payroll, ensuring 100% compliance and accuracy.
Approval chain
The system comes with customized approval chains and user permission per location and employee.
Automations
We automate workflows and notifications to create a controlled, consistent, and scalable payroll process.
Additional Services
Country knowledge hub
We include a complete guide to labor and tax laws in over 160 locations - everything you need to know before hiring in any country.
Employment benefits
From global benefits plans to immigration services to managing global equity and beyond, we leverage our network of local partners to provide tailored benefits under the best terms.
Center of Excellence
Papaya's Center of Excellence provides expert guidance on employment regulations in every country where you have employees so you can always be sure your activity is compliant.
Security & Compliance
Security standards certifications
With one integration to Papaya, you get bank-level security standards certified with GDPR, SOC1 Type II, SOC2 Type II, ISO 27001, ISO 27701.
Pricing
Pricing
Priing starts at $3/month per worker, or as part of our full-service payroll plan, which includes payments and additional services.
Payroll Management Solution
Enterprise connectivity time
Usually self-serve, prone to errors and fragmented, requiring long onboarding time.
Global partner model
Entities are usually fully owned by the company, which can create a conflict of interest with your EOR provider and no flexibility to switch providers.
Payroll operations
Relies on error-driven manual process from payroll teams, putting your payroll operations at risk.
Global coverage
Coverage is usually limited to 90-160 locations, depending on which partner model they use. If they own their entities, coverage is even more limited.
Platform
Payroll payment cost projection
There are no projections available that take forex volitility into account so accounts need to add up to 30% of payroll costs as a deposit to ensure payment.
Workers' mobile app & portal
Most compeitotirs focusing on EOR and contractors do not offer a dedicated mobile application for workers.
Employment model supported
Most support only EoR and contractors, and some support payroll.
Payroll calendar
Usually, only cut-off days only are announced, which can cause delays in payroll payments.
Technology
Integrations
While some offer robust integrations, others require manual work to share information between systems.
BI & Analytics
Reporting is done manually through individual files because multiple platforms are used for payroll and payments, creating a fragmented view of your activity.
Automated data validation
Payroll teams have to validate data manually, exposing data to human error and putting your business at risk.
Approval chain
You get a a partial approval chain because mutiple platforms are needed, fragmenting the process.
Automations
Most payroll competitors use notifications instead of automation due to a scattered payroll process.
Additional Services
Country knowledge hub
While most competitors offer country guides, they are usually limited to those countries where they operate, and tend to focus on EoR and contractors, not payroll.
Employment benefits
Some competitors offer employment benefits, others have no additional benefits packages.
Center of Excellence
Most competitors do not provide that kind of service.
Security & Compliance
Security standards certifications
Most competitors meet some but not all of the top industry standards, potentially posing data-related risks to your business.
Pricing
Pricing
Most competitors do not reveal their pricing. They typically charge per solution, per employee.
EoR service
Global coverage
Local partner model
Quality of local Service
Technology
Payroll managment platform
Workers' onboarding
Payroll Data Accuracy
Workers' mobile app & portal
Integrations
Additional Services
Local employment benefits competitiveness
Tailored Services
Country knowledge hub
Center of Excellence
Security & Compliance
Local compliance
Pricing
Pricing
EoR service
Global coverage
We serve 160+ locations through our wide network of global partners.
Local partner model
The aggregator model enables us to work with multiple partners in any location. Clients can scale faster and choose the right partner for their needs.
Quality of local Service
Papaya chooses the best local partners in every location, incentivizing them to meet the highest standard to avoid being replaced.
Technology
Payroll managment platform
All of our partners use our proprietary payroll technology, ensuring accuracy. Our unified platform covers each step of the payroll and payment process, allowing you to get an overview of your operations and total costs.
Workers' onboarding
The process is automated through Papaya's technology, enabling faster onboarding time that improves the recruiting experience.
Payroll Data Accuracy
Our two-layer system - the accuracy engine in Papaya's platform and separate audit - we ensure data accuracy on behalf of our clients.
Workers' mobile app & portal
Platform includes a dedicated mobile app and web portal enabling the entire workforce (payroll, EOR, contractors) to access their payroll information.
Integrations
Papaya's system-agnostic platform is integrated with all HRIS, ERP, VMS, T&A, and expense management tools such as Workday, Bamboo HR, Netsuite and others.
Additional Services
Local employment benefits competitiveness
Working with a network of local partners lets Papaya's clients choose different contracts, benefits, and perks in order to attract the best level of talents available.
Tailored Services
Papaya leverages it's wide network of local partners to access local experts (layers, tax law, etc.) to respond to your local needs.
Country knowledge hub
We include a complete guide to labor and tax laws in over 160 locations - everything you need to know before hiring in any country.
Center of Excellence
Papaya's Center of Excellence provides expert guidance on employment regulations in every country where you have employees so you can always be sure your activity is compliant.
Security & Compliance
Local compliance
Working with local partners enables us to be strictly compliant.
Pricing
Pricing
Starting at $770/month per employee
EoR service
Global coverage
Coverage is limited, typically around 70-100 countries due to the high complexity of operationg self-owned local entities.
Local partner model
Entities are usually fully-owned by the EoR company, which can cause a conflict of interest between you and the service provider, with no flexibility to switch partners.
Quality of local Service
A wholly-owned office cannot be replaced, reducing the incentive to produce top quality work.
Technology
Payroll managment platform
Because payroll providers do not have embedded payments, they have to outsource the payments to third parties, causing leaks of data, increased processing errors, and no unified view of global workforce spending.
Workers' onboarding
The process is manual, requiring more time, effort, and resources and resulting in higher costs and lower employee engagement.
Payroll Data Accuracy
Wholly-owned entities have to audit themselves, creating a comflict of interest if mistakes are found by different elements within the same company.
Workers' mobile app & portal
Most EoR and contractor competitors do not offer a dedicated mobile application for workers.
Integrations
While some offer robust integrations, others require manual work to share information between systems.
Additional Services
Local employment benefits competitiveness
The wholly-owned company generally offers a standard template for all employees, regardless of skill, experience, and responsibility, limiting the level of talent the client can attract and retain.
Tailored Services
EoRs that have their own entities would need to hire an external consultent to answer your questions, causing slow response and higher costs.
Country knowledge hub
While most competitors offer country guides, they are usually limited to those countries where they operate, and tend to focus on EoR and contractors, not payroll.
Center of Excellence
Most competitors do not offer that kind of service.
Security & Compliance
Local compliance
Payroll companies that own their entites across the globe are constantly at risk of compliance errors due to a lack of local knowledge.
Pricing
Pricing
Starting at $600/month per employee, in limited locations and few additional services.


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