Get paid, make payments, and use virtual and physical cards.

Easy banking for freelancers and entrepreneurs.

All of your payment tools on one platform.

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9:41
Hello,Alex
Wallet balance $12,480.50 Welcome back, Alex
Add Fund Transactions
3Total Cards
2Bank Accounts
VerifiedAccount
Quick actions
Create Card Card List Send Money Payment Airtime Bank Account Transaction Statement
Recent activity
  • Client payoutToday+$1,250.00
  • StreamingYesterday-$15.49
  • Sent to MariaMon-$200.00
Home Cards Transactions Profile
9:41
My Cards Manage cards
Create card

No cards yet

Create a virtual Visa or Mastercard in a minute. Use it for ads, subscriptions and online shopping.

Create card
Physical cardsOrder a plastic card
Home Cards Transactions Profile
9:41
My Cards Manage cards
Create card
All 2 Visa 1 Mastercard 1
DEBIT •••• •••• •••• 2221 aivy niaz
EXP 07/29
AVAILABLE$24.37Active
SPENT$0.63 / $25.00
DEBIT •••• •••• •••• 3153 aivy niaz
EXP 10/29 VISA
AVAILABLE$5.00Active
SPENT$0.00 / $5.00
Home Cards Transactions Profile
9:41
Mastercard Debit aivy niaz – Debit
DEBIT •••• •••• •••• 2221 aivy niaz
EXP 07/29

Tap card to show details

AVAILABLE BALANCE $24.37
Active
  • SPENT$0.63
  • SPEND CAP$25.00
  • LOADED$25.00
3% of the spend cap used
Top up Withdraw Freeze Statement
BILLING ADDRESS

30 N Gould St Ste R, Sheridan, WY 82801

CARD INFO

Card number •••• •••• •••• 2221

9:41
Mastercard Debit aivy niaz – Debit
FROZEN DEBIT •••• •••• •••• 2221 aivy niaz
EXP 07/29

Tap card to show details

AVAILABLE BALANCE $24.25
Frozen
  • SPENT$0.63
  • SPEND CAP$25.00
  • LOADED$25.00
3% of the spend cap used
Top up Withdraw Unfreeze Statement
BILLING ADDRESS

30 N Gould St Ste R, Sheridan, WY 82801

9:41
Bank accounts Global receiving accounts
RECEIVING ACCOUNTS Global Bank Accounts

Get your own account details to receive USD and other currencies into your wallet.

Available wallet
$50.00 USD
Multi-currencyIn your namePaid to wallet
No bank account yet

Request a global account to receive USD and other currencies. A one-time $200.00 wallet fee applies.

Request a new account

Pick a country. A one-time $200.00 fee is charged from your wallet.

AVAILABLE USA USD
AVAILABLE Hongkong HKD/EUR
9:41
Transactions All wallet activity
Add Fund
Search ID or reference
All Add Fund Send Received
  • Send Money23 Oct 2026 · 11:02 PM −$10.30Completed
  • Send Money23 Oct 2026 · 10:05 PM −$51.50Completed
  • Receive Money23 Oct 2026 · 9:49 PM +$100.00Completed
  • Payment Received22 Oct 2026 · 1:02 AM +$50.00Completed
Home Cards Transactions Profile
Virtual and physical cards

Virtual and physical cards

Issue unlimited virtual and physical cards for payments worldwide.

Read more
Global payment account

Global payment account

USD, EUR, and GBP accounts for receiving payments.

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ACH, SEPA, and wire transfer

ACH, SEPA, and wire transfer

Move funds to your local bank with competitive fees.

Read more
Secure payments

Safe and secure

Every transaction is protected with modern security controls.

Read more

Pay and get paid on platforms you already use

  • Upwork
  • Fiverr
  • PayPal
  • Payoneer
  • Amazon
  • eBay
  • Shopify
  • Etsy
  • Google
  • Apple
  • Netflix
  • Spotify
  • Airbnb
  • AliExpress
  • Walmart
  • Meta

Logos are trademarks of their owners and do not imply partnership.

Worldwide

Popular countries our customers send money to

Pay friends, family, and businesses in 24+ countries from one Payowire account.

  • USA
  • UK
  • Bangladesh
  • Canada
  • Australia
  • Germany
  • France
  • Italy
  • Spain
  • Netherlands
  • Sweden
  • Greece
  • UAE
  • Saudi Arabia
  • Kuwait
  • India
  • Pakistan
  • Philippines
  • Singapore
  • Thailand
  • China
  • Nigeria
  • Argentina
  • New Zealand
How it works

How payments work

Get started in three simple steps.

  1. 01

    Create a free account

    Open a free account from Register and confirm your email.

  2. 02

    Get a global account and cards

    Request a global bank account and virtual cards so you can receive and make payments worldwide.

  3. 03

    Withdraw to a local bank

    Withdraw to your local bank account whenever you are ready.

Create a free account
Flexibility

The power to make things happen

  • Create an accountSign up free in minutes.
  • Unlimited virtual cardsIssue a card for every need.
  • Get a global bank accountUSD, EUR, and GBP details.
  • Pay globally by cardShop and pay worldwide.
  • Receive international paymentsFrom clients and platforms.
  • Instant statementsDownload them any time.

Payowire provides virtual Visa and Mastercard for payments worldwide. Open a global account to receive freelancer and marketplace payouts, then withdraw to your local bank.

One account

Everything in one account

Receive, spend, send, and withdraw money from a single Payowire account.

Global accounts

Get USD, EUR, and GBP accounts to receive payments from platforms worldwide.

Learn more

Virtual cards

Virtual Visa and Mastercard for international payments.

Learn more

Send payments

Pay international companies and clients quickly, with competitive fees.

Learn more

Withdraw payments

Withdraw to your local bank quickly, with competitive fees.

Learn more
Add to Apple Pay & Google Pay
Why Payowire

Why choose Payowire

Payowire is a payment platform built for freelancers and businesses who need to send and receive money quickly and securely.

  • Bank-beating rates

    Competitive fees designed to stay below typical bank charges.

  • We're fast

    Transfers and card issuing are built for speed, not overnight waits.

  • Easy to use

    A straightforward dashboard and app, so anyone can manage their account.

  • Secure by design

    Encrypted connections, app PIN, and two-factor sign-in protect your money.

Bank transfers

Payment transfers for working people

Move money on the payment networks your clients and banks already use.

  • ACH

    Send and receive ACH payments quickly, with competitive fees.

  • SEPA

    Send and receive SEPA payments quickly, with competitive fees.

  • SWIFT

    Send and receive SWIFT payments quickly, with competitive fees.

Security

Security you can verify

Protection is built into every card payment, transfer, and sign-in.

Card transactions

Unlimited card transactions with instant statements.

Bank transaction

ACH, SEPA, and wire transfers to your local bank.

Audited regularly

Accounts and transactions are reviewed on a regular schedule.

Data protection

Customer data is protected with encryption and access controls.

  • Encrypted connections
  • PCI-DSS compliant card partners
  • App PIN & 2FA
  • Continuous monitoring
9:41
Send Money Payowire to Payowire · Instant
Home Cards Transactions Profile
9:41
Sent

$50.00 to anna@email.com

Arrived instantly
Home Cards Transactions Profile
9:41
Add bank account US account · Dummy demo
Home Cards Transactions Profile
9:41
Bank added

Chase · ••••4481

Routing ••••0210
Home Cards Transactions Profile
9:41
Wire transfer To Chase · ••••4481
Chase checking · ••••4481
Home Cards Transactions Profile
9:41
Wire sent

$1,200.00 to Chase ••••4481

Completed instantly
Home Cards Transactions Profile
Download App

Manage Payowire from your phone

Send money, manage your cards, and track payments on the go. Get the Android app on Google Play. The iOS app is coming soon to the App Store.

  • Instant transfers
  • Virtual Visa & Mastercard
  • Real-time notifications
Download onGoogle Play Coming Soon onApp Store

Android 7.0+ · Available on Google Play · All app downloads

QR code for the Payowire apps page Scan for the
app page
Payowire app card details screen with balance, spend cap, and card actions

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