Keep more money in your hands for longer.
We built an AI-driven payments platform for payroll, so you can push salary cutoff later AND fund accounts with more precision and less buffer. That’s more of your money in your hands for longer — each month.
7-day KYC

Smart simulations

Virtual wallets




Embedded payments.
Built for workforce.
We’re the first and only payroll provider that built its own regulated payments network, optimized for your workforce needs. So you can deliver worker, authority, and vendor payments with complete control and visibility — in real time.
Full Value Transfers

No hidden fees

Perfect timely delivery

Payment classification






A Complete Enterprise Payments Solution
Obtain financial flexibility with an end-to-end payments solution, built for global workforce at scale
Every type of payment
Guaranteed delivery in 72 h
Multi-currency support
with additional 160+ countries being added all the time.
One dashboard for everything
Intuitive apps, expert assistance
Virtual wallets


Boost productivity and performance.
Papaya’s global payroll and payments technology covers it all. So you can focus on what matters — your business.