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Payd

Get paid like a local in the US and Europe

Open US dollar and euro account details on Payd. Clients in the US pay you by ACH or wire, clients in Europe by SEPA, and the money lands in your Payd balance.

Your clients don't need Payd. They pay you like any other bank account.

USD account details in the Payd app: account and routing numbers for ACH and wire

How it works

  1. 1

    Open your Payd account

    Sign up and verify your identity. It takes a few minutes.

  2. 2

    Get your account details

    Request USD or EUR details in the app. They are yours to keep and reuse.

  3. 3

    Share them and get paid

    Send the details to your client. When they pay, the money shows up in your Payd balance.

Why people use Payd accounts

  • ACH and wire in the US

    US clients and platforms pay you the same way they pay anyone at home.

  • SEPA in Europe

    European clients send a normal euro bank transfer.

  • One balance

    Client payments, stablecoins and transfers from other Payd users all land in one place.

  • Move it home when you want

    Withdraw to M-Pesa, other mobile money or a bank in 11 African countries.

  • Easy to share

    Copy your details or share them straight from the app.

  • No foreign bank account

    No trip abroad, no paperwork with a foreign bank.

What it costs

Opening account details is free. You pay a small fee on each US dollar payment you receive.

See the full price list
Account details
Free
Receiving a US dollar payment
1.2% (min. $2, max. $10)
Example: a $500 payment
$6 fee
Monthly fee
None

Moving money to mobile money or a bank has its own fee, shown before you confirm.

Questions

Who can get USD or EUR account details?
Anyone with a verified Payd account in a supported country. Some countries need an extra check before we can open them. If yours does, the app tells you and our compliance team follows up within 24 hours.
How do my clients pay me?
They send a normal bank transfer to the details you share: ACH or wire from the US, SEPA from Europe. They don't need a Payd account.
How long does a payment take to arrive?
ACH and wire payments usually arrive within 48 hours, depending on bank cut-off times. FedNow and SEPA Instant payments arrive within minutes.
Can I use my details for platform payouts?
Yes. Many freelance and creator platforms can pay out to US bank details. Add your Payd USD details as your payout account.
What can I do with the money?
Keep it in your Payd balance, send it to another Payd user for free, or withdraw it to mobile money or a bank account.

Get your USD and EUR details

Open a free Payd account and request your account details in the app.