P E R S O N A L F E A T U R E S

Why Choose Our Payment Solutions?

Instant Payments

Experience the convenience of instant payments to suppliers and employees, anywhere in the world. No more waiting periods or complex processes—just fast, reliable transactions

Secure Transactions

Security is our top priority. Our advanced encryption and security protocols ensure that your payments are protected, giving you peace of mind with every transaction

Cost-Efficient

Say goodbye to high transaction fees. Our innovative payment solutions help you save money, allowing you to reinvest those savings into your business

1. IBAN, Payments and Transfers

Explore our innovative payment solutions designed to meet your global business needs. With peymo-Payout and peymo-Flow, you can manage your financial transactions with ease, trust, and efficiency. Enjoy the benefits of instant payments, reduced fees, and secure transfers, all while ensuring your business runs smoothly.

DALL·E 2024-05-19 18.57.55 - A person holding a smartphone in one hand and a credit card i

Our AI-powered onboarding process features

Quick Identity Verification: Instantly verify your identity with a selfie and a photo of your ID using our AI-powered facial recognition system.

Automatic Document Scanning: Upload your documents, and our advanced OCR technology scans and extracts the necessary information in seconds, saving you time and reducing errors.

Intelligent Form Pre-Fill: Our intelligent data extraction technology automatically fills out your registration forms, minimizing effort and ensuring accuracy.

Real-Time Validation: Our system performs real-time validation of your data, ensuring accuracy and compliance with regulatory standards. Any inconsistencies are flagged instantly for quick resolution.

2. Seamlessly Onboard in minutes with our AI-Powered Technology

At Peymo, we understand that time is crucial when managing your finances and making payments. That's why we've harnessed the latest AI-driven solutions to revolutionize the onboarding experience. Our advanced technology ensures you can start using our app in minutes, allowing you to focus on what truly matters – your business and personal financial needs.

Our innovative onboarding process combines speed, security, and convenience. We've replaced the tedious, time-consuming steps traditionally associated with onboarding with a streamlined, user-friendly approach leveraging cutting-edge technology. Whether you're an individual looking for a hassle-free way to manage your payments or a business seeking efficient financial solutions, Peymo meets your needs with unparalleled speed and precision.

Key benefits with our IBANs

Single IBAN for Multiple Currencies

Manage all your currencies from one IBAN account. Our system supports a wide range of currencies, making it easier for you to handle international transactions.

Effortless Currency Exchange

Convert currencies within your account quickly and at competitive rates. Our real-time exchange capabilities ensure you get the best value for your money.

Streamlined Financial Management

Keep track of all your currency balances and transactions in one place. Our intuitive interface makes it easy to manage and monitor your finances, no matter where you are.

Optimized for Businesses and Individuals

Whether you're a business managing global operations or an individual with international financial needs, our Multi-Currency IBAN feature is designed to meet your requirements efficiently.

3. Multi-Currency IBAN

At Peymo, we understand the complexities of managing finances in a global economy. Whether you're a business dealing with international transactions or an individual with financial interests abroad, handling multiple currencies can be a challenge. That's why we've introduced our innovative Multi-Currency IBAN feature, designed to simplify your financial management and provide you with seamless access to multiple currencies from a single account.

Our advanced Multi-Currency IBAN feature combines flexibility, security, and convenience, allowing you to manage your finances effortlessly across borders. With Peymo, you can easily hold, transfer, and receive payments in various currencies, all from one IBAN account. This ensures that you can navigate the global financial landscape with ease and efficiency.

Our Multi-Currency IBAN feature includes several key benefits to enhance your financial management:

DALL·E 2024-05-19 19.35.47 - A person using a smartphone with a single laptop nearby but n

How we make your transactions hassle-free

Instant Payments

Experience the convenience of instant payments to suppliers and employees, anywhere in the world. No more waiting periods or complex processes—just fast, reliable transactions

Secure Transactions

Security is our top priority. Our advanced encryption and security protocols ensure that your payments are protected, giving you peace of mind with every transaction

Cost-Efficient

Say goodbye to high transaction fees. Our innovative payment solutions help you save money, allowing you to reinvest those savings into your business

User-Friendly Interface

Our platform is designed with you in mind. Enjoy an intuitive, user-friendly interface that makes managing your payments simple and hassle-free.

4. Hassel-free Transactions

At Peymo, we believe that managing your finances should be simple and stress-free. That’s why we’ve developed our platform to ensure that every transaction you make is smooth, fast, and secure. Whether you are sending money to a friend, paying for services, or managing business payments, Peymo is designed to make your financial transactions effortless.

Our commitment is to provide a seamless transaction experience that combines cutting-edge technology with user-friendly features. With Peymo, you can focus on what truly matters while we handle the complexities of your financial transactions.

DALL·E 2024-06-15 17.05.14 - A futuristic banking transaction scene in a wide aspect ratio

Here's how Peymo's Invoices and Payment Links feature can benefit you:

1. Easy Invoice Creation

Create professional invoices in just a few clicks. Customize them with your branding and itemize your services or products to ensure clarity and professionalism.

2. Instant Payment Links

Generate secure payment links that your clients can use to pay their invoices immediately. No more waiting for checks or dealing with complex payment processes.

3. Track and Manage Invoices

Keep track of all your invoices in one place. Our dashboard allows you to see which invoices are paid, pending, or overdue, helping you stay on top of your finances.

4. Secure Card Top-Up

Easily top up your Peymo account using your card. This feature ensures that you always have funds available to manage your transactions and expenses efficiently.

5. Invoices and payment links

Managing invoices and receiving payments has never been easier with Peymo. Our platform streamlines the entire process, allowing you to create, send, and track invoices effortlessly. Plus, with our secure payment links, your clients can pay you instantly, making it easier for you to manage your cash flow.

With Peymo, handling invoices and payments is not only efficient but also secure. Our advanced technology ensures that all your transactions are protected, giving you peace of mind.

Ready to take control of your invoicing and payments? [Download the App] now and experience the convenience of Peymo's Invoices and Payment Links feature, designed to simplify your financial management and enhance your business efficiency.

realistic image of a man at desk with a notebook and invoice in his hand.jpg

5. Invoices and payment links

With Peymo, handling invoices and payments is not only efficient but also secure. Our advanced technology ensures that all your transactions are protected, giving you peace of mind.

6. Mobile POS Smartphone

DALL·E 2024-06-15 17.39.07 - A futuristic banking transaction scene in a wide aspect ratio

6. Transform Your Smartphone into a Mobile POS

At Peymo, we understand the need for flexibility and convenience in managing your transactions, especially in today’s fast-paced world. That’s why we’ve developed our Mobile POS feature, allowing you to turn your smartphone into a powerful point-of-sale terminal. Whether you’re a small business owner, freelancer, or anyone on the go, our Mobile POS makes accepting payments effortless and secure.

With Peymo’s Mobile POS, you can expand your business opportunities by accepting payments anywhere, anytime. This feature is designed to provide you with the flexibility and efficiency needed to succeed in today’s dynamic business environment.

Ready to transform your smartphone into a powerful POS terminal? Start using Peymo’s Mobile POS to enhance your payment capabilities and streamline your business transactions.

Here’s how Peymo’s Mobile POS can benefit you

1. Instant Payment Acceptance

Accept credit and debit card payments instantly using your smartphone. No need for additional hardware – simply use your phone’s camera to scan cards securely.

2. On-the-Go Transactions

Security is our top priority. Our advanced encryption and security protocols ensure that your payments are protected, giving you peace of mind with every transaction

3. Real-Time Payment Processing

Say goodbye to high transaction fees. Our innovative payment solutions help you save money, allowing you to reinvest those savings into your business

4. Flexible Payment Options

Offer your customers the convenience of various payment methods, including contactless payments and mobile wallets, enhancing their experience and satisfaction.

7. Currency Exchange

7.

Instantly Exchange Money at Excellent Rates in 35+ Currencies with Peymo Transfers

At Peymo, we make it easy to manage your money globally. With our seamless currency exchange feature, you can exchange money at excellent rates in over 35 currencies. Whether you're traveling, doing business internationally, or managing multiple currencies, Peymo offers you the flexibility and convenience you need.

With Peymo, managing your money across different currencies is simple and efficient. Our user-friendly platform ensures that you can handle your international financial transactions with ease and confidence.

How Peymo’s currency exchange can benefit you

1. Competitive Exchange Rates

Enjoy some of the best exchange rates in the market, ensuring you get more value for your money with every transaction.

2. Wide Range of Currencies

Access over 35 currencies, giving you the flexibility to handle your global financial needs effortlessly.

3. Instant Conversion

Convert your money instantly between currencies with just a few taps, making it quick and easy to manage your funds.

4. Transparent Fees

Benefit from clear, transparent fees with no hidden charges, so you always know exactly what you're paying for.

8. Crypto exchange

DALL·E 2024-05-19 19.25.41 - A person holding a smartphone in one hand with a laptop in th

8.

Integrated User-Friendly Crypto Exchange with Peymo

At Peymo, we bring you the future of finance with our integrated, user-friendly crypto exchange. As cryptocurrencies become an essential part of the financial landscape, we understand the need for a reliable and straightforward platform to manage digital assets. Whether you're a seasoned crypto trader or just starting out, our platform makes buying, selling, and managing cryptocurrencies easy and accessible.

Here’s how Peymo’s crypto exchange can benefit you

1. Seamless Integration

Access our crypto exchange directly within the Peymo app. Manage your traditional and digital assets all in one place without switching between platforms.

2. Instant Exchange Between Fiat and Crypto

Facilitate business travel and entertainment expenses with our tailored card solutions. Provide your team with the flexibility to manage their travel expenditures efficiently, ensuring smooth and hassle-free trips.

3. Wide Range of Cryptocurrencies

Trade a diverse selection of cryptocurrencies, from popular coins like Bitcoin and Ethereum to emerging altcoins, giving you the flexibility to diversify your portfolio.

4. Instant Exchange Between Fiat and Crypto

Enjoy a simple, user-friendly interface designed for both beginners and experienced traders. Easily navigate through buying, selling, and tracking your crypto assets.

9. Contactless Crypto payments

DALL·E 2024-06-15 19.31.10 - A realistic scene in a store specializing in PC technical equ

9.

Pay from Your Crypto Account in Any Store Using Your Phone (NFC)

At Peymo, we are dedicated to integrating cryptocurrencies into everyday life, making them as accessible and usable as traditional currencies. Our latest innovation allows you to pay directly from your crypto account in any store that accepts contactless payments, using the convenience of your phone’s NFC technology. Whether you're buying groceries, dining out, or making any other purchase, our NFC payment feature brings the future of finance to your fingertips.

With Peymo’s NFC payment feature, spending your cryptocurrencies has never been more convenient. Embrace the future of payments by using your digital assets for everyday purchases with ease and security.

How Peymo’s NFC payment feature can benefit you

1. Contactless Crypto Payments

Use your phone to pay directly from your crypto account. This unique feature allows you to seamlessly use your digital assets just like traditional money, simplifying everyday transactions.

2. No Conversion Needed

There's no need to log in to a crypto exchange and convert crypto to fiat before using contactless payments. Our system handles everything seamlessly, allowing you to pay directly with your crypto.

3. Convenient and Hassle-Free

No need to carry multiple cards or cash. Simply use your phone to make payments, streamlining your wallet and making it easier to manage your finances on the go.

4. Instant Transactions

Enjoy the speed and convenience of instant payments. With just a tap of your phone, complete your transactions in seconds, without the need for cash or cards, directly from your crypto account.

10. AI Empowered Solutions

10.

Solutions and Services Powered by AI

At Peymo, we are committed to revolutionizing the financial experience through the power of artificial intelligence. In an ever-evolving digital landscape, AI enables us to provide innovative, efficient, and secure solutions tailored to meet the unique needs of our clients. Our AI-powered services are designed to streamline your financial processes, enhance security, and offer personalized support, ensuring that you have the best possible experience with Peymo.

At Peymo, AI isn't just a buzzword—it's a fundamental part of how we enhance your financial experience. Our solutions and services are designed to provide you with the best in speed, security, and convenience.

Where AI Can Assist Our Clients

1. Fast Onboarding

Experience lightning-fast onboarding with our AI-driven process. Our technology swiftly verifies your identity and extracts necessary data from your documents, allowing you to start using Peymo in minutes. Say goodbye to long waits and tedious paperwork, and hello to a seamless start.

2. Hassle-Free Transactions

Enjoy smooth and secure transactions. AI ensures that every payment you make is processed quickly and efficiently, minimizing delays and errors. Our intelligent system handles the complexities of financial transactions, so you can focus on what matters most

3. Compliance Assistance

Stay compliant with regulatory requirements effortlessly. Our AI tools continuously monitor and ensure that all your transactions meet the necessary legal standards. This proactive approach helps you avoid potential issues and keeps your operations running smoothly.

4. Fraud Detection

Protect your finances with advanced AI fraud detection. Our system analyzes transaction patterns in real-time to detect and prevent fraudulent activities, keeping your money safe. With Peymo, you can have peace of mind knowing that your assets are protected by cutting-edge technology.

5. Integrated Customer Support

Receive instant assistance with our AI-powered customer support. Our intelligent support system is available 24/7 to answer your queries and resolve issues promptly. Whether you need help with a transaction or have a question about our services, our AI is here to provide reliable and timely support.

6. Loan & Credit Assistance

Get personalized loan and credit assistance. Our AI analyzes your financial profile to provide tailored advice and options, helping you make informed decisions. From finding the best loan offers to managing your credit, our AI-driven insights are designed to support your financial goals.

11. Cash to Crypto, Crypto to Cash

11.

Access Thousands of Cash Points Worldwide with Peymo

At Peymo, we are committed to making your financial transactions as flexible and convenient as possible. Our latest feature connects you to thousands of cash points worldwide, including tobacco stores, post offices, and more. Whether you're dealing in crypto or fiat currencies, our extensive network allows you to send and receive money effortlessly.

This innovative service bridges the gap between digital and physical cash, ensuring you can manage your finances wherever you are. Whether you need to send cash to a family member abroad or receive money from a business partner, our global cash point network makes it simple and secure.

Here’s how Peymo’s global cash point network works:

1. Send Money or Crypto, to Cash Points

From your Peymo app, send money from your crypto or fiat account to any cash point worldwide. The recipient can then withdraw the cash at a nearby tobacco store, post office, or other cash point.

2. Receive Money or Crypot, from Cash Points

Someone with cash can go to a participating cash point with a code you provide. They give the cash to the store, and the money will be deposited into your Peymo crypto or fiat account.

3. Global Accessibility

Our network ensures access to funds wherever you are. Easily convert digital funds into cash or vice versa, enhancing your financial flexibility globally.

4. Secure Transactions

All transactions are encrypted and monitored for security. Whether sending or receiving money, your funds are handled with the utmost security.

12. Buy Now, Pay Later

DALL·E 2024-06-15 22.07.14 - A person typing on a laptop with an illuminated 'BNPL' (Buy N

12.

Buy Now, Pay Later

At Peymo, we understand that flexibility in payment options can make a significant difference in managing your finances and achieving your goals. That’s why we’re excited to introduce our Buy Now, Pay Later feature. As a valued client of Peymo, you can now make purchases and pay for them later through convenient installments. Whether you need to buy something urgently or want to spread out your payments, our Buy Now, Pay Later option offers you the financial freedom and flexibility you need.

With Peymo’s Buy Now, Pay Later feature, you can enjoy the convenience of making purchases when you need them and paying at your own pace. Whether you’re buying a new gadget, planning a trip, or covering unexpected expenses, our flexible payment options provide the support you need.

How Peymo’s Buy Now, Pay Later Works

1. Easy Access to Loans

As a Peymo client, you can easily apply for a loan through PayMall directly within the app. Our simple and straightforward application process ensures that you can access the funds you need quickly and without hassle.

2. Flexible Installment Plans

Once approved, you can make your purchase immediately and choose a repayment plan that suits your budget. Our flexible installment options allow you to spread out payments over a period that works best for you.

3. Transparent Terms

We believe in transparency and clarity. All loan terms, including interest rates and repayment schedules, are clearly presented upfront. There are no hidden fees or surprises, so you can make informed decisions with confidence.

4. Convenient and Seamless

The entire process, from loan application to repayment, is managed within the Peymo app. This ensures a seamless experience, allowing you to track your payments, view your loan details, and manage your finances all in one place.

13. Money Secured

mrthomsen_cybersecurity_concept_user_privacy_security_and_encry_f83ac45a-f7c4-4a22-9ded-1a

13.

Secured Finances: Advanced Encryption, EMI Licensed, and AI-Powered Protection

At Peymo, your financial security is our top priority. We combine the latest encryption technology, our status as an EMI-licensed company, and advanced AI security measures to ensure that your money and personal information are always protected. In an increasingly digital world, we understand the importance of maintaining robust security protocols to safeguard your assets and personal information.

Our commitment to security starts with our advanced encryption technology, which protects your data from unauthorized access and cyber threats. Every transaction you make and every piece of personal information you share with us is encrypted, ensuring that it remains confidential and secure.

Electronic Money Institution (EMI) licensed companies operate under rigorous financial regulations that prioritize the safety of your funds. Unlike traditional banks, we do not leverage your money. This means that your funds are held 1:1 in cash in your account at all times, without being loaned out or invested elsewhere. This approach guarantees that your money is always available to you, providing unparalleled liquidity and security.

Here’s how Peymo keeps your money safe

1. Latest Encryption Technology:

Your data is protected with state-of-the-art encryption, making it secure and inaccessible to unauthorized parties.

2. EMI Licensed Security:

EMI licensed companies do not leverage your money. Your funds are always held 1:1 in cash, ensuring they are readily available and secure.

3. AI-Powered Fraud Detection:

Our advanced AI systems continuously monitor your account for suspicious activities, providing real-time protection against fraud.

4. Regulatory Compliance

We adhere to stringent regulatory standards, ensuring that all transactions and operations are compliant with the latest financial regulations.