Payments and Portfolio,
One Brand
Payxem is the Digitalancers Platform. Two core products, one signup, one link: a Payments wallet at app.payxem.com and a Portfolio at {username}.payxem.com. Built for people who work independently, not for enterprise finance teams.
No monthly fees. Pay only when you get paid.
Portfolio Page
A conversion-focused selling page at {username}.payxem.com. Not a resume. Every CTA funnels into a Payxem invoice or pay link.
- About block, services grid, gallery, testimonials, and FAQ
- Verified tick (KYC approved) shown across the page
- "Hire Me" and custom quote CTAs linked to your pay links
- Inherits avatar, name, and socials from your Payxem profile automatically
- Hosted on a clean, personal subdomain, no profile-page clutter
- Publish, unpublish, or edit anytime from your Payxem dashboard
Send one link. Let your work close the deal.
Professional Invoicing
Create clean, client-ready invoices in seconds. Your invoices are structured, easy to understand, and designed to get you paid faster.
- Add items or services with quantity and price
- Optional tax or VAT with adjustable percentage
- Option to pass service fees to clients
- Auto-calculated totals with full breakdown
- Unique invoice numbers tied to your account
- Share via email or direct payment link
- Download as PDF for records
Your client sees a clear, professional invoice. No confusion. No back and forth.
Smart Client Handling
You do not need a separate CRM. Payxem remembers your clients.
- Enter client email as the primary field
- If the email was used before, details auto-fill
- Name remains optional, email is the key identity
- Build your client list automatically over time
This keeps your workflow fast and clean, especially on mobile.
Payment Links and Easy Checkout
Not every job needs a full invoice. Sometimes you just want to get paid.
- Create reusable payment links
- Share your personal payment page
- Accept custom or fixed amounts
- Clean checkout experience for clients
- Works across devices and locations
Your client clicks, pays, and you track everything in one place.
Multiple Payment Options
Give your clients flexibility. Let them choose how they want to pay.
- PayPal payments
- Stripe and card payments
- Crypto payments (USDT and others)
- More integrations coming
Payxem works with payment providers, not against them.
Ledger Wallet and Balance Tracking
Payxem gives you a clear view of your earnings without complexity.
- Real-time balance tracking
- Separate pending and available amounts
- Automatic fee calculations
- Full transaction history
This is your financial dashboard, simplified.
Crypto Wallet (USDT and USDC)
Each Payxem account comes with its own BEP20 deposit address. Receive USDT or USDC on-chain, convert to your USD wallet in one tap, and keep working without leaving Payxem.
- Personal BEP20 USDT and USDC deposit address, unique to your account
- On-chain deposits auto credit your crypto wallet, no manual approval
- Public verify page shows crypto deposits alongside other payments
- One-tap Convert to USD with the rate shown before you confirm
- Holdings and transaction history visible from your dashboard
A real on-chain wallet, with the simplicity of an in-app balance.
Transparent Fee Handling
No surprises. Everything is visible.
- Platform fee clearly shown (up to 2.5% + $0.30 per payment received)
- Payment processor fees vary and depend on the processor (e.g. Stripe, PayPal)
- Optional fee pass-through to client
- Net receivable amount shown clearly
You always know what you will receive.
Payout and Withdrawal Options
When you are ready, request your payout your way.
- Withdraw in USDT (crypto)
- Withdraw in local currency based on your country
- Live conversion display before confirmation
- Free withdrawals from Payxem, standard currency exchange or bank transfer fees may apply by partner or processing banks
You stay in control of how you get paid.
Send to Any External Wallet
Move your USDT or USDC out of Payxem to any BEP20 address you own. A short, guided flow with confirmations protects every transaction.
- Withdraw USDT or USDC on the BNB Smart Chain (BEP20)
- Three-step flow: enter, confirm, and verify with two-step verification
- Address shown twice in the confirm step so typos are caught early
- Live preview of receive amount, network fee, and final total before you send
- First send to any new address has a short cooling period for safety
- Daily and per-transaction limits keep an account-takeover from draining funds
- Available to KYC verified accounts
You own the coins. Payxem just makes sending them safer.
Gold and Silver Savings
Park some of your earnings in physical-backed gold or silver, priced per gram, right from your wallet. Built for people who want a simple way to hold value, not a trading terminal.
- Buy gold or silver in grams using your USD wallet balance
- Live per-gram price refreshed from international markets
- Sell back to your USD balance any time, no holding period
- Clean price chart so you can see how your holding moves
- Total Savings card on your dashboard shows current value and profit or loss
- Small, transparent spread on each buy and sell, no monthly fee
A savings habit that fits inside the same app you already use to get paid.
Public Trust Page
Every Payxem payment has its own public verification page. Your client can open the same status you see from their side, without logging in. No more "did it go through" emails.
- Each invoice and payment gets a public, shareable verification URL
- Status, amount, currency, and date are visible without an account
- Crypto deposits show the on-chain transaction reference
- Verified tick (KYC) appears on the merchant when present
- Works as proof of payment for both sides, instantly
Transparency by default. Clients trust what they can verify themselves.
Reward Points & Referrals
Get rewarded for using the platform.
- Earn 1 Reward Point for every $1 you get paid on an invoice
- Refer a user and earn $2.5 when they join and verify (terms apply)
- 1,000 Points = $1, redeemed to your USD wallet
Referral and joining bonuses become withdrawable once you receive or deposit $50 in Payxem. The more you use Payxem, the more value you unlock.
Mobile-First Experience
Payxem is designed for real-world usage, not desktop-only workflows.
- Fully optimized for mobile devices
- Fast invoice creation on the go
- Clean interface without clutter
- Works as a Progressive Web App
You can run your business from your phone.
Security and Access Control
Your account and data are protected with modern security practices, layered so a single weak step does not unlock everything.
- Magic link login (no password stress)
- Two-step verification with an authenticator app (Google Authenticator, Authy, 1Password) or email code
- 10 single-use backup codes for the day you lose your phone
- Trusted devices: skip the second step for 30 days on devices you mark as yours
- Optional PIN or biometric lock for quick re-entry
- Sensitive actions (like sending crypto out) always require a second step
- Session control and activity tracking
- Rate limiting and access protection
Simple for you, difficult for anyone else.
Built for Underserved Markets
Payxem is designed for regions where traditional systems do not work well.
- Supports freelancers in underserved markets where global processors are limited
- Works even where PayPal or Stripe access is limited
- Flexible payout options adapted to real needs
If you can work online, you can use Payxem.
No Monthly Fees
You do not pay to exist on the platform.
- No subscription cost
- No setup fee
- Pay only when you get paid
This keeps your margins safe.
Built to Work for You
Payxem is not trying to replace existing systems. It connects them, simplifies them, and makes them usable for you.
You focus on your work. Payxem handles the structure around it.
Ready to Get Paid?
Create your free account, send your first invoice, and start collecting payments today.
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