Efficient rates for anefficient business.
Pingo Pay gives modern merchants a complete payment stack — multi-currency accounts, global cards, acquiring and an open API — at transparent, market-leading rates.
A complete payment stack, built for growth.
Everything you need to send, receive and accept money — all under one regulated roof.
Get Paid Anywhere
China to EU? US to UAE? We cover 160+ countries with some of the lowest cross-border rates available.
Get Paid Anytime
Send instant 0% payments to any Pingo Pay user in a single click — 24/7, 365 days a year.
Secure Your Future
Dedicated security team, full AML/KYC compliance, 2FA and end-to-end encryption on every account.
Pay Offline
Turn your offline shop into an online business in minutes and start accepting international funds.
Automate Payments
Schedule recurring transfers, payroll and supplier payments with smart automation rules.
Developer API
Drop-in REST API and webhooks so you can integrate Pingo Pay into your product in days, not months.
Pay anywhere, in any currency.
Open IBAN accounts and pay with SWIFT, SEPA and SEPA Instant. Send secure international transfers in a single click and automate regular payouts across all 40 major currencies.
- SWIFT, SEPA & SEPA Instant rails
- Automated payroll for remote teams
- Multi-currency wallets with one IBAN
- Real-time FX at interbank rates
We protect every dollar that moves.
We use every modern technology to safeguard your global wallet — backed by a Canadian regulatory framework that puts compliance first.
Regulated. Audited. Trusted.
Pingo Pay Ltd. is a registered Money Services Business in Canada, supervised by FINTRAC and aligned with the Bank of Canada's reporting framework.
A card for any moment.
Issue Pingo Pay Visa & Mastercard cards to employees, freelancers and contractors. Set limits, freeze instantly and reconcile in real time.
Pingo Pay vs. traditional acquirers.
A side-by-side look at how our acquiring tool compares to legacy card networks.
An API that fits in a weekend sprint.
Clean REST endpoints, signed webhooks and SDKs for Node, Python and PHP. Accept payments in one click with the Pingo Pay E-commerce API.
- Idempotent POST endpoints
- Sandbox with realistic test data
- Webhook signing & retries
- OpenAPI 3.1 spec
curl https://api.pingo-pay.com/v1/payments \
-H "Authorization: Bearer pk_live_..." \
-H "Content-Type: application/json" \
-d '{
"amount": 12480,
"currency": "EUR",
"recipient": "merchant_8h2k",
"reference": "INV-2026-0421"
}'
# => 201 Created
{
"id": "pay_01HZ7QK8X",
"status": "settled",
"fee": 62
}One platform, every business model.
Onboard sellers, run KYC and split payouts in real time.
Run global payroll for contractors in 40+ currencies.
Recurring billing, dunning and revenue reporting.
Fast SWIFT/SEPA transfers with interbank FX.
Accept cards, wallets and bank transfers in one checkout.
Send invoices and accept payment links instantly.
Trusted by operators who watch the basis points.
“We moved our entire EU payroll to Pingo Pay and cut FX fees by almost 14% in the first quarter.”
“The acquiring rates beat every legacy provider we benchmarked — and onboarding took less than a week.”
“Their API is clean, the webhooks are reliable, and support actually answers. Rare combo.”
Ready to move money like a modern business?
Open your Pingo Pay account today. No hidden fees, no surprises — just clean, compliant payments.