# Payxem

> Simple invoicing and payment platform for freelancers

Payxem is an online invoicing and payment tracking platform built for freelancers, consultants, and small businesses, especially in underserved markets where global payment processors are limited or unavailable.

Payxem helps freelancers send invoices, share payment links, and accept payments via PayPal, Stripe, and cryptocurrency. Payment processing is handled by these third-party providers. Payxem enables freelancers to use PayPal and Stripe for international payments without expensive monthly subscriptions.

Payxem does not operate as a bank or payment processor. It does not hold or control funds. It acts as a coordination and tracking layer for financial activity. Funds are held and settled by third-party payment and payout partners, and are released within 7 business/working days after security clearance.

## Core Features

- Professional invoice creation with line items, tax, and due dates
- Payment links and QR codes for quick payments
- Ledger-based wallet tracking with real-time balance
- Multi-currency support (52+ currencies with live exchange rates)
- Multiple payment methods (PayPal, credit/debit cards, cryptocurrency)
- Reward Points program (1 point per $1 paid or deposited via crypto; 1,000 points = $1)
- $2 USD joining bonus on KYC and $2 per referral (withdrawable after you receive at least $50 in payments within 60 days of joining; terms apply)
- Identity verification (KYC) for payout eligibility
- Biometric login and PIN lock security

## Target Users

- Freelancers in underserved markets (designers, developers, writers, marketers)
- Remote workers and consultants who need to receive international payments
- Small businesses and service providers needing PayPal & Stripe payment solutions
- Digital professionals in regions where global payment platforms are restricted

## Regional Focus

Payxem is designed as an online payment solution for underserved markets where PayPal and Stripe are banned, restricted, or unavailable. Freelancers can use Payxem to invoice international clients, accept credit card and crypto payments, and withdraw to local bank accounts via IBAN or Wise.

## Pricing

- No monthly fees or setup costs
- Platform fee: up to 2.5% + $0.30 per payment received. Payment processors (PayPal, Stripe) apply their own fees based on their policy
- Clients can choose to cover the processing fee at checkout
- Free withdrawals from Payxem — Payxem does not charge any fee on withdrawals. Standard currency exchange or bank transfer fees may apply by partner or processing banks
- Minimum withdrawal: $50, set by our payout partners and may change at any time

## Keywords

Payxem invoice payments, PayPal alternative, Stripe alternative, online payment solution, freelancer invoicing, how to receive international payments, send invoice online, payment link generator, free invoice software for freelancers, crypto payments freelancer, freelancer billing tool, online invoicing platform

## Links

- Website: https://payxem.com
- App: https://app.payxem.com
- Terms of Service: https://payxem.com/terms
- Privacy Policy: https://payxem.com/privacy
- Disputes & Refunds: https://payxem.com/disputes-and-refunds