Ways to get paid
A "rail" is the way money moves in a country: UPI in India, Pix in Brazil, M-Pesa in Kenya. Payday pays each person on the rail they already use, in their own currency.
Every rail
| Where | Rail | You type | Checked | Minimum | Arrives in | How we send |
|---|---|---|---|---|---|---|
| 🇮🇳 India | UPI | UPI ID | name@bank format | $20 | minutes | Wise |
| 🇧🇷 Brazil | Pix | Pix key | phone (+55), email, CPF with checksum, or random key | $20 | minutes | Wise |
| 🇬🇧 United Kingdom | Bank transfer (Faster Payments) | Sort code + Account number + Your legal name | 6-digit sort code + 8-digit account | $20 | minutes | Wise |
| EU/EEA and neighbours | Bank transfer (SEPA Instant) | IBAN + Your legal name | IBAN length and mod-97 checksum | $20 | minutes–1 day | Wise |
| 🇨🇦 Canada | Interac e-Transfer | Email for Interac | email format | $20 | minutes | Wise |
| 🇲🇽 Mexico | SPEI | CLABE + Your legal name | 18-digit CLABE with checksum | $20 | minutes | Wise |
| 🇳🇬 Nigeria | Bank transfer | Account number + Bank + Your legal name | 10-digit NUBAN + bank from a list | $20 | same day | Wise |
| 🇰🇪 Kenya | M-Pesa | M-Pesa number | Kenyan mobile, +254 | $20 | minutes | Wise (verify) / manual |
| 🇵🇭 Philippines | GCash | GCash number | Philippine mobile, +63 | $20 | same day | manual (Remitly) |
| UK, EU and more | Revolut | Revtag | 3–20 letters, numbers or _ | $20 | same day | manual desk |
| Everywhere we can send | PayPal | PayPal email | email format | $20 | minutes | PayPal Payouts |
| Everywhere we can send | Cash pickup | Phone for pickup code + Your legal name | phone with country code + legal name | $50 | 1–2 days | manual (Remitly/Xoom) |
| Everywhere we can send | Gift card or prepaid Visa | Email to send it to | email format | $20 | minutes | Tremendous-class API |
| Everywhere we can send | Digital dollars (USDC) | Solana wallet address | base58 Solana address, 32 bytes | $5 | seconds | on-chain |
In the claim flow, rails appear in this order: your country's own rails, then Revolut where it exists, then PayPal, cash pickup, gift card, and digital dollars (USDC) last.
How we send, per rail
| Rail | How we send it | Notes |
|---|---|---|
| UPI | Wise, to the UPI ID | Rupees, usually in minutes. |
| Pix | Wise, to the Pix key | Reais. Any key type works. |
| Faster Payments | Wise, to sort code + account | Pounds. Needs the account holder's name. |
| SEPA Instant | Wise, to the IBAN | Euros in the euro area. Elsewhere in SEPA, Wise converts to the local currency. Needs the account holder's name. |
| Revolut | Our payout desk, to the @revtag | Same day. A person sends it. |
| Interac e-Transfer | Wise, to the email | Canadian dollars. |
| SPEI | Wise, to the CLABE | Mexican pesos. Needs the account holder's name. |
| Nigeria bank | Wise, to the NUBAN at the chosen bank | Naira, same day. Needs the account holder's name. |
| M-Pesa | Wise where supported, otherwise the payout desk | Shillings. Wise caps M-Pesa at 250,000 KES per transfer and asks for the recipient's name (to verify). |
| GCash | Payout desk (through Remitly) | Pesos, same day. |
| PayPal | PayPal Payouts, to the email | US dollars into the PayPal account. |
| Cash pickup | Payout desk (through Remitly or Xoom) | Collected at a counter with ID matching the legal name. $50 minimum. |
| Gift card or prepaid Visa | A gift-card provider, by email | US dollars in value. |
| Digital dollars (USDC) | Sent on-chain to a Solana address | Arrives in seconds. $5 minimum. Only for people who ask for it. |
Minimums
| Rail | Minimum payout |
|---|---|
| Cash pickup | $50 |
| Digital dollars (USDC) | $5 |
| Everything else | $20 |
If your balance is below your rail's minimum when you claim, we save your details and pay you when it reaches the minimum.
Automatic payment destinations
These are only ever paid when we find them published in a person's bio or link-in-bio. They can't be chosen in the claim flow. How automatic payments work
| Found in a bio or link-in-bio | We pay it by |
|---|---|
| A UPI ID (name@bank) | UPI |
| A Pix key | Pix |
| A PayPal.me link | PayPal |
| A Ko-fi page | A card payment to the page |
| A Buy Me a Coffee page | A card payment to the page |
| A Streamlabs or StreamElements tip page | A tip on the page |
| A Revolut @revtag | Revolut |
Where we can't send
| Country | Why | Status |
|---|---|---|
| 🇨🇺 Cuba | US sanctions. Comprehensive US embargo. | to verify |
| 🇮🇷 Iran | US sanctions. Comprehensive US sanctions. | to verify |
| 🇰🇵 North Korea | US sanctions. Comprehensive US sanctions. | to verify |
| 🇸🇾 Syria | No payout partner. Country-wide US program lifted in 2025; payout providers still don't serve it. | to verify |
| 🇷🇺 Russia | No payout partner. Payout providers don't send here. | to verify |
| 🇧🇾 Belarus | No payout partner. Payout providers don't send here. | to verify |
The occupied regions of Ukraine (Crimea and the so-called DNR and LNR) are also blocked. The payout provider screens those by address, not by country. People in these places still have money waiting in their name for 90 days. After that it goes to a charity, in their name. This list is under legal review.