Everything you need to know to start receiving international payments with Payxem.
1 Visit app.payxem.com and enter your email to sign up.
2 Click "Send Magic Link". A secure login link will be sent to your email.
3 Click the magic link in your email. You are now logged in.
After logging in, you see your dashboard with everything at a glance:
Bottom navigation:
Go to Profile from the bottom navigation. Fill in these required fields:
Optional but recommended:
KYC is required before you can withdraw money. It protects everyone on the platform.
1 Go to Profile
2 Click "Verify Identity"
3 You will be taken to our verification partner
4 Take a photo of your ID and a selfie
5 Wait for approval (usually a few minutes)
1 Go to Invoices tab and click "New Invoice"
2 Enter your client's email (required) and name
3 Add line items with description, quantity, and price
4 Choose your options:
5 Click "Create & Send"
Your client receives the invoice by email with a "Pay Now" link.
All your invoices appear in the Invoices tab. You can:
Draft: Saved but not sent to client yet.
Sent: Client received the invoice and can pay.
On Hold: Client paid. Money held for 7 business days (security clearance).
Completed: Hold period over. Money in your available balance.
Every user gets a personal payment link:
app.payxem.com/p/yourname
Set your username in Profile to activate it.
1 Share your link on WhatsApp, LinkedIn, email, or portfolio
2 Client opens the link and enters the amount
3 Client pays by card or crypto
4 Money goes to your Payxem wallet
You can turn the processing fee on or off from the Payment Links tab using the toggle switch.
Create fixed-price links for your services. The amount is pre-set so clients just click and pay.
1 Go to Payment Links from the side menu
2 Click "+ New Link"
3 Enter title, amount, description, and slug
4 Click "Create Link"
Your service link: app.payxem.com/p/yourname-slug
Pending: Money on hold for 7 business days after payment. Cannot withdraw yet.
Available: Money cleared and ready to withdraw.
Net Earned: Total earned after all fees.
1 Go to Ledger
2 Click "Request Withdrawal"
3 Enter amount and choose method:
4 Submit. The system will review your request and approve payout.
| Fee Type | Amount | Who Pays |
|---|---|---|
| Platform fee | up to 2.5% + $0.30 | You (or passed to client) |
| Processor fee | Varies (Stripe/PayPal) | You |
| Withdrawal | Free | No charge |
| Monthly fee | $0 (Free) | No charge |
Processing fee option: By default, "Pass processing fee to client" is ON, a fee (up to 2.5% + $0.30) is shown to your client at checkout, so you receive the full amount. If you turn it OFF, the fee is deducted from your earnings instead. You can set this per invoice or payment link.
7-day hold: All payments are held for 7 business days before release. This is standard across PayPal, Stripe, and all payment platforms. Weekends and holidays do not count.
Your Crypto Wallet holds stablecoins (USDT and USDC). It is separate from your main payment balance. Open the side menu and go to Wallet → Crypto Wallet.
1 Open Crypto Wallet and copy your deposit address
2 Send USDT or USDC to it on the BEP20 network (BNB Smart Chain)
3 Once the network confirms, your crypto balance updates automatically
Tap "Convert your crypto" to move USDT or USDC into your spendable Payxem balance, ready to withdraw or use.
Tap "Send Crypto" to send USDT or USDC to any BEP20 wallet address.
In many countries the local currency loses value to inflation every year. Gold and silver have held value for generations, so saving a part of your balance in them helps protect what you earn.
Open the side menu and tap Savings.
1 Tap Buy Gold or Buy Silver
2 Enter how much you want to buy
3 Confirm. The amount is taken from your balance and added to your holdings in grams
You buy at the live market price with a small spread (about 0.5%). No jeweller, no making charges, no storage to arrange.
Tap Sell Gold or Sell Silver whenever you want. The value is calculated at the live sell price and returned straight to your Payxem balance, ready to use or withdraw.
Earn 1 Reward Point for every $1 you get paid on an invoice, and 1 Reward Point for every $1 you deposit via crypto. Redeem them for real money.
1000 Points = $1 USD. Minimum 1000 Points per redemption, maximum 10,000 Points per month. Redeemed amount is added to your available balance instantly (no hold). Earned Points are always redeemable once you are KYC-verified.
Every new user receives a $2.5 USD joining bonus when they complete KYC verification, credited straight to your USD wallet.
Invite freelancers and earn $2.5 USD for each user who joins and completes KYC verification. Go to Referrals from the side menu to copy your referral link.
Bonus eligibility: joining and referral bonuses are USD, but become withdrawable, or payable, only once you have received $50 in payments or deposited $50 in Payxem. Terms apply.
Tap the bell icon to see all notifications: payments received, hold releases, withdrawals, and more.
Enable push notifications in Profile to get alerts even when not on the website.
Click the green chat bubble on any page to ask questions about fees, payments, or features. XemGen speaks English, Urdu, and Roman Urdu.
XemGen Chat: Green chat bubble on any page
Email: [email protected]
Website: www.payxem.com
App: app.payxem.com