baynoy

Take online paymentsOpen a bank accountConvert to crypto

Take card or crypto payments from your customers, keep your money in the currencies you need, spend it with your card, and move it to your bank account or crypto wallet whenever you want. All in one place.

  • #Get paid
  • #Send
  • #Cards
  • #Crypto
Get started →See how it works

A double-entry ledger behind every balance, mandatory 3-D Secure on card payments, segregated customer funds, and sanctions screening on crypto flows.

One platform for payments, accounts, cards and crypto

Baynoy is for individuals and businesses alike — open a personal account for yourself, or a business account for your company. Same product, different verification.

baynoy.com/dashboard
[01]

Get paid

Payment links, hosted checkout, embeddable widgets and an API. Card payments run with mandatory 3-D Secure; Apple Pay and Google Pay where supported.

[02]

Accounts & cards

Multi-currency balances, account details, payouts to verified bank accounts, and physical or virtual team cards with spend controls.

[03]

Crypto

Deposit and withdraw USDC and EURC on supported networks, convert between crypto and fiat, and see it all in the same balance view.

[01]What you get

Three blocks, one financial truth

Every movement — card payment, transfer, card spend, payout, FX or coin — lands in the same ledger.

[01]

Get paid

Payment links, hosted checkout, embeddable widgets and an API. Card payments run with mandatory 3-D Secure; Apple Pay and Google Pay where supported.

  • #Get paid
  • #3-D-Secure
  • #Apple-Pay
  • #Google-Pay
[02]

Accounts & cards

Multi-currency balances, account details, payouts to verified bank accounts, and physical or virtual team cards with spend controls.

  • #Send
  • #Cards
  • #SEPA
  • #ACH
[03]

Crypto

Deposit and withdraw USDC and EURC on supported networks, convert between crypto and fiat, and see it all in the same balance view.

  • #Crypto
  • #USDC
  • #EURC
[02]AI insights

AI that watches your money

Every payment, payout, card spend, FX move and crypto transfer lands in one ledger — and the assistant reads all of it.

[01]

Automatic categorisation of income and spend

[02]

Cash-flow view and month-end forecasts

[03]

Anomaly alerts: refund spikes, unusual spend, new-country payments

[04]

Ask questions in plain language — every number links to its transactions

The assistant analyses and suggests. It never moves money — every action stays behind your approval.

[03]How it works

From first payment to clean books

Availability varies by country and product. We tell you honestly before you apply — no surprises after onboarding.

  1. [01]

    Tell us about your business

    Country, sector, website and what you need. We show you upfront what is available for your profile.

  2. [02]

    Verification and approval

    Business verification and underwriting. Eligibility depends on your country, sector and profile — we tell you upfront.

  3. [03]

    Start operating

    One balance view, transparent fees shown before every movement, and exports your accountant will actually use.

  4. [04]

    Operate and reconcile

    Every movement lands in one ledger view — with exports your accountant will actually use.

Get started →[...] Availability varies by country

Frequently asked questions

What is Baynoy?
Baynoy is a business-finance platform for online payments, multi-currency business accounts, cards and stablecoin (USDC/EURC) — one platform, one API, for businesses and individuals.
Is Baynoy a bank?
No. Baynoy is not a bank. Regulated payment and account services are provided under the applicable licences and partners, disclosed in-product and on the legal pages.
Which payment methods can I accept?
Card payments with 3-D Secure, Apple Pay and Google Pay where supported, and — if you enable it — USDC and EURC. You can collect through payment links, hosted checkout, an embeddable widget, QR codes and invoices.
Does Baynoy support crypto?
Yes. You can hold, deposit, withdraw and convert USDC and EURC on supported networks, in the same balance view. Sanctions screening runs on crypto flows.
Can individuals use Baynoy, or only businesses?
Both. Every user has a personal workspace, and can also open business workspaces. Personal accounts use individual verification; business accounts use company verification.
What does Baynoy cost?
Every fee is a single Baynoy price, shown before you use the thing it prices — payment processing, payouts, conversion, cards and crypto network costs. There are no hidden fees.

See what is available for your business

  • #Get paid
  • #Send
  • #Cards
  • #Crypto
Get started →