One account. Multiple currencies. Everywhere.
Send money abroad and it arrives in local currency — in hours, not the days a bank wire takes. You approve the rate before anything moves. No hidden fees, no guesswork.
Request early accessOpen an accountAccounts are open in early access today — or join the launch list to be notified when we fully open.
Stop juggling
accounts
One account holds multiple currencies, converts between them at a rate you approve, and pays out abroad in the recipient's local currency — so you stop moving money between banks and apps.
Bank wires take days and lose value at every hop.
Payon moves your money across borders in hours — at a rate you see and approve before it moves.
Fund your account, your way
Top up by bank transfer in the currency you already hold.
Getting paid from abroad? Take the payment straight into your Payon balance and keep it in the currency it arrived in.
Funds are honestly labeled while they settle, and spendable the moment they truly are.
Convert at a rate you approve
A live market rate with our margin already included — the number you see is exactly the number you get.
Convert the whole balance or only what you need, and only when the rate suits you.
One account, multiple currencies — a balance for each, converted only when you say so.
We deliver — in their local currency
Send to a bank account in nearly any country and your recipient gets local currency — typically within hours.
Paying a supplier, a contractor, or an invoice abroad? Tell us who gets paid — we handle the conversion and the delivery in one go.
Need crypto rails? Convert and send USDC to any wallet in a single operation — we never hold crypto for you.
Every transfer is screened through AML monitoring in both directions, so your money moves fast and moves safely.
Faster than a bank wire, clearer than an app
Payon Global
- Arrives in hours
- Rate shown and locked before you approve
- One transparent price
- Multiple currencies in one account
A traditional bank wire
- Takes 2–5 business days
- Rate moves before the wire clears
- Hidden correspondent-bank fees
- One currency, one account at a time
Built for people. Ready for business.
Transfers abroad, payments in, invoices out — the same account does all three.
For you
- Get paid by clients abroad, straight into your account — no cut lost to hidden fees
- Send money home: your family receives local currency, typically within hours
- Hold multiple currencies and convert only when the rate suits you
For your business
- Pay invoices, contractors, and suppliers abroad — we convert and deliver in their local currency
- Accept payments from foreign clients into one account instead of several
- Settle in USDC when the payment has to move in minutes, not days
One transparent rate
No tiers, no fine print — one simple funding fee, and a live rate shown before you approve.
Currency conversion
Our live rate
A live rate for your pair (for example EUR-USD), refreshed to the minute and locked for 60 seconds while you review — the number you see is the number you get.
Account funding
3.5% per deposit
Deducted once, when your deposit clears — the exact net amount is shown up front.
- No wire fees
- No monthly fees
- Rate locked before you send
Your money, protected
Payon Finance Inc. is a Canadian company built for regulation from day one.
Regulated in Canada
Registration as a Money Services Business with FINTRAC and registration under the Retail Payment Activities Act with the Bank of Canada are in process — no client funds are moved or held until those registrations are complete.
Funds held in trust
Client funds will be held in a segregated trust account, separate from Payon Finance Inc.'s operating funds.
Bank-grade identity checks
Document, liveness, and AML/PEP/sanctions screening is performed by our verification provider, Shufti Pro, before any funds can move.
Monitored in both directions
Every transfer is screened through AML monitoring in both directions, so funds move safely.
Frequently asked questions
What does it cost?
One simple fee: 3.5% on account funding, deducted once when your deposit clears — send 1,000 CAD and 965.00 CAD is credited to your balance. Conversions happen at our live rate, shown and locked for 60 seconds before you approve. No wire fees, no monthly fees.
Is my money safe?
Client funds will be held in a segregated trust account, separate from Payon Finance Inc.'s operating funds. Payon Finance Inc. is not a bank — your balance is a payment account balance, earns no interest, and is not CDIC-insured.
How long does verification take?
Identity verification — document, liveness, and AML/PEP/sanctions screening via Shufti Pro — typically takes a few minutes. Some cases go to a manual review by our compliance team.
Are there limits?
Limits depend on your verification level and applicable regulation. Transactions of CAD $10,000 or more are subject to additional regulatory reporting, which our team handles for you.
Which currencies are supported?
Payon is multi-currency by design. We're launching with Canadian dollars (CAD) and adding more currencies over time. USDC is supported for outbound transfers only — converted and sent to your wallet in one operation, never held in your account.
When does Payon Global launch?
As soon as our FINTRAC and Bank of Canada registrations are complete. Join the early access list and we'll email you the moment we open.
Be first to move your money globally.
Request early access for yourself or your company — we'll let you know the moment Payon Global opens to new accounts.
No account or funds can be opened until FINTRAC and Bank of Canada registrations are complete.