Paysend
Paysend is a money-transfer service for sending funds internationally to bank accounts, cards, e-wallets, or cash in more than 170 countries.
What Paysend is
Paysend is a money-transfer service for sending funds internationally to bank accounts, cards, e-wallets, or cash in more than 170 countries. Customers may fund transfers with debit or credit cards, bank transfers, Apple Pay, or Google Pay, depending on country. Paysend says card-to-card transfers typically arrive in under 15 minutes, while bank-account and mobile-wallet payouts generally take 1–3 business days. Each transfer has a fixed fee that varies by sending country, destination, and delivery method. Currency conversion includes an exchange-rate margin, and bank or recipient-bank charges may apply. Limits depend on country and verification tier, with additional identification potentially increasing them. Recipients usually do not need a Paysend account or app. Paysend Enterprise’s Payout API supports cards, accounts, and wallets for money transfers, payroll, marketplaces, pension claims, insurance payouts, and vendor payments. Paysend says it is FCA-regulated and offers 24/7 global support.
Good
- Sends money to accounts, cards, wallets, or cash
- Available in more than 170 countries
- Card-to-card transfers typically arrive under 15 minutes
- Recipients usually need no account or app
- Enterprise API supports business payouts
Watch out
- Fees vary by country and delivery method
- Exchange-rate margins and third-party charges may apply
- Transfer limits depend on verification tier and country
- Funding methods vary by country
Who it suits
It suits consumers sending international transfers and businesses making payouts through an API. It is useful when recipients may not have a Paysend account or app.
Verdict
Paysend covers international consumer transfers and business payouts across many destinations. Delivery speed, fees, available funding methods, and limits vary by route and customer circumstances.
Plans and prices
From Paysend's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Personal international transfer | $1.99, paid once | fixed fee regardless of amount · exchange-rate margin applies · bank or recipient-bank fees may also apply · per transfer from the US; varies by corridor and payout method |
| Enterprise Payout API | Priced on request | payouts to cards, bank accounts and wallets · 168+ countries · 48+ currencies · contact Paysend |
| International money transfers | — | Fixed fee; exchange-rate margin may apply; bank or recipient-bank charges may apply · Per transfer; fee varies by sending country, destination, and delivery method. |
The facts
Each one read from Paysend's own pages, with the date it was checked.
What it does
- API authentication
- API clients authenticate with inbound and outbound API keys plus digitally signed requests.checked 15 Oct 2026
- API documentation depth
- The developer site documents endpoints such as FX rates, bank search, card token creation, account and card payouts, balances, status checks and webhooks.checked 15 Oct 2026
- API sandbox
- Paysend provides a sandbox stage so integrators can test before production.checked 15 Oct 2026
- Card-network reach
- Paysend supports card payouts through Visa, Mastercard, UnionPay and other local card schemes.checked 15 Oct 2026
- Compliance claims
- The developer documentation displays EU GDPR compliance and SOC 2 Type II certification badges.checked 15 Oct 2026
- Consumer service
- Paysend lets customers send money internationally to bank accounts, cards, e-wallets, or cash in 170+ countries.checked 9 Oct 2026
- Delivery times
- Paysend says most card-to-card transfers typically arrive in under 15 minutes, while bank-account and mobile-wallet payouts typically take 1–3 business days.checked 9 Oct 2026
- Delivery tracking
- Users can track a transfer through its stages and receive arrival notifications.checked 15 Oct 2026
- Enterprise API
- The Enterprise Payout API supports programmable payouts, status checks and multi-task processing for cards and accounts.checked 15 Oct 2026
- Enterprise reporting
- The API product includes an Enterprise dashboard, real-time payment-status updates, reports and daily reconciliation statements.checked 15 Oct 2026
- Enterprise use cases
- Official documentation lists money transfer, payroll, marketplaces, pension, insurance and accounts-payable payouts as use cases.checked 15 Oct 2026
- Fees
- Paysend charges a fixed per-transfer fee that varies by country and delivery method; currency conversions include an exchange-rate margin, and third-party fees may apply.checked 9 Oct 2026
- Funding
- Paysend announced a $125 million Series B round in May 2021 led by One Peak with participation from InfraVia, Hermes GPE and Plug and Play.checked 15 Oct 2026
- Licence
- The consumer terms grant users a limited licence to use Paysend software for its payment services; the product is not offered under an open-source licence.checked 15 Oct 2026
- Limit: account and card blocks
- Trustpilot's review summary mentions card-linking errors and transaction blocks that can prevent payment completion.checked 15 Oct 2026
- Limit: extra bank charges
- Paysend warns that the sender's bank and the recipient's bank may levy additional charges beyond Paysend's fee.checked 15 Oct 2026
- Limit: transaction failures
- Google Play reviewers report transfers being cancelled or requiring repeated attempts before succeeding.checked 15 Oct 2026
The company
- Company headquarters
- LinkedIn lists London, England as headquarters, with additional locations in Dublin, Belgrade and Miami.checked 15 Oct 2026
- Company size
- LinkedIn lists Paysend as a privately held financial-services company with 201–500 employees.checked 15 Oct 2026
- Founded
- LinkedIn lists the company as founded in 2017.checked 15 Oct 2026
- Founded and offices
- Paysend says it was founded in the UK in 2017 and has offices in London, Belgrade, Dublin, and Miami.checked 9 Oct 2026
- Headquarters
- Edinburgh, Scotland, United Kingdomchecked 28 Sep 2026
Where it runs
- Limit: app performance
- An App Store review reports severe lag after an update, making the app difficult to use.checked 15 Oct 2026
- Mobile platforms
- bothchecked 20 Sep 2026
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