Paya is the payment platform for freelancers and small businesses. Send invoices, share payment links, accept USDC, cash out to your bank — all on a real-time, low-fee rail built on Solana.
Features
AES-256-GCM at rest. Multi-wallet support, default-wallet routing, balance refresh on demand.
One-tap shareable URLs. Fixed or open amount, expiry, metadata, instant USDC delivery.
Create, share, track. Auto-reminders. Recurring schedules for retainer clients.
Every payment is simulated and risk-scored via TxShield before submission. Sandwich, rug, and slippage protection built in.
Convert USDC to EUR, USD, or local currency through partnered providers. Same-day in supported regions.
Append-only audit trail. Export CSV for your accountant. Every cent reconciled to chain.
How it works
Sign up with email. We provision an encrypted Solana wallet for you. No seed phrase to lose, no chain knowledge required.
Send a Paya invoice to your client or post a payment link on your portfolio. They pay with any USDC wallet — Phantom, Solflare, exchange, anywhere.
USDC lands in your wallet in about a second. Hold it as savings, send to another wallet, or cash out to your bank.
Mobile
QR receive, contact-based send, biometric login, push notifications when you get paid. Available for Android — iOS coming soon.
Balance
$2,847.23 USDC
Pricing
No monthly minimums. No hidden fees. No fees on incoming amounts under $10.
per received payment
+ 0.3% per received payment
For agencies & platforms
Developers
82 endpoints, JWT auth, idempotency keys, signed webhooks. Build payouts into your platform in an afternoon.
$ curl https://paya.fund/api/v1/payment-links \ -H "Authorization: Bearer $PAYA_TOKEN" \ -H "Content-Type: application/json" \ -d '{ "amount_usdc": 120.00, "description": "October retainer", "expires_in_days": 7 }' → { "slug": "r9k2-fp7n", "url": "https://paya.fund/pay/r9k2-fp7n", "status": "active" }