About Payowire

Payowire team collaborating in a modern office
Who we are

A US-registered payments platform

Payowire is a neo-banking service provider. We are not a bank. Banking services are delivered through licensed partner banks in the United States.

What we offer

What Payowire offers

Open accounts, issue cards, and move money without juggling multiple providers. Payowire is the software layer; partner banks hold and move regulated funds.

Open bank accounts

USD, EUR, and GBP account details for receiving payments from platforms and clients — issued through licensed partners, not as a Payowire-owned bank.

Virtual and physical cards

Issue virtual Visa and Mastercard instantly, and order a physical card when you need one. Cards spend the balance you load.

Send and receive globally

Collect freelancer and marketplace payouts, then pay vendors on Payowire or withdraw to a local bank via ACH, SEPA, or wire.

Professional using a laptop to manage online payments
How we operate

A platform, not a bank

You get one dashboard for receiving details, cards, P2P, and bank payouts. Regulated services run through partners.

US-registered

Payowire is a US-registered company. EIN 30-1331471 identifies the business for tax filings.

Partner banks

We are not a bank. Licensed partner banks in the United States deliver the banking services behind receiving details and payouts.

Account controls

Encrypted connections, optional app PIN, and two-factor sign-in. PCI-DSS card processing is handled with card partners.

Support

Questions go to support@payowire.com. Policies, AML, and acceptable use are published on this site.

We are not a bank. Company EIN 30-1331471. ITIN and IRS tax return certificate: 987-95-8297. Do not treat Payowire balances as FDIC-insured deposits at Payowire itself.

Worldwide

Popular countries our customers send money to

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