PayNow is authorized and regulated by the UK Financial Conduct Authority (FCA).

The payment engine

Money moves.
Beautifully.

Receive funds, hold crypto, and spend anywhere with a solid metal card — all from one account.

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100K+Active users
$1.3M+Volume
120+Countries
9:41
PayNow

Available balance

$24,850

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PayNow

•••• 4291

Kraken+$2,480
Metal cardActive

Trusted by leading platforms

What we do

Money infrastructure,
beautifully engineered.

Built for speed, secured to the global standard, and priced for people who move real money.

Young man smiling while sending money on his phone

Instant settlement

Transfers clear in seconds, not business days — 24/7, weekends included.

Brushed metal vault door with a glowing shield emblem

ISO 27001:2022 security

Certified controls, encrypted balances, and continuous monitoring.

Matte black metal card floating above folded banknotes

Cash out anywhere

Move to Cash App, PayPal, Chime or your bank in a couple of taps.

Crypto

The best crypto holding platform

Hold BTC and ETH beside your dollars, top up instantly on-chain, and convert without hidden spreads. Cold-storage custody, real-time balances, and zero surprise fees.

  • Instant BTC deposits with a permanent address
  • Live BTC & ETH balances on your dashboard
  • Institutional cold-storage custody

$1.3M+

Crypto transacted

< 3 min

Avg. deposit time

BTC · ETH

Assets supported

Cold storage

Custody

PayNow Card

The best premium metal physical card

Classic on the outside, AI on the inside. Solid metal, Visa Infinite privileges, and limits that don't get in your way.

Full-surface biometric unlock
GPS spatial radius checks
Dead interface without your grip
Master Toggle & Classic Card mode
3% cashback on spend
Zero FX fees worldwide
Accepted by every merchant
Up to $200,000 withdrawals

Your physical card number is your authorization key — it confirms you're responsible for every bank transfer made from your PayNow account.

PAYNOWInfinite

•••• •••• •••• 4291

METAL EDITIONVISA

Touch and drag across the card — it moves with your finger and reveals what each part of the PayNow metal card does.

Copy Trading

Copy trading with PayNow — 100,000+ copiers already mirroring the pros

Open a copy trading account in one tap, fund your dedicated copy wallet with Bitcoin, then allocate from just $50 to any verified leader. Every position they open is mirrored to your allocation automatically — no charts to watch, no strategy to build.

100,000+

Active copiers

$50

Minimum allocation

Beginner → Legendary

Verified leaders

1. Open & agree

Create your copy trading account and accept the terms in seconds — no paperwork, no waiting list.

2. Fund your copy wallet

A dedicated Bitcoin wallet address for copy trading, from $200 per transfer. Credited as soon as it confirms.

3. Allocate & earn

Spread from $50 across as many leaders as you like. Withdraw unallocated funds to crypto or cash anytime.

Join 100,000+ people moving money faster

Open your PayNow account in under two minutes.