Now accepting payments worldwide

Send Invoices.
Accept Payments.
Get Paid.

Payxem gives freelancers, consultants, and small businesses a simple way to invoice clients and collect payments without the complexity of traditional platforms or expensive monthly fees.

Start Free See How It Works

No signup fees. No monthly charges. Start invoicing in under 60 seconds.

Paid
Web Design Project $2,400.00
Brand Identity Package $1,200.00
SEO Consultation (3 hrs) $450.00
Total Due $4,050.00
Pay Now
Payment received
52+ currencies
0
Signup to First Invoice
24/7
Access from Any Device
$0
Monthly Fees
Why Payxem

Getting Paid Should
Not Be Hard

If you're a freelancer, consultant, or small business owner, you've probably dealt with at least one of these:

Limited Access & Options

Major payment processors don't operate in many South Asian and emerging markets. Even where they do, most tools only support one payment method, leaving your clients without the flexibility to pay by card, bank transfer, or crypto.

Complicated Platforms

Most invoicing tools are designed for large companies with entire finance teams. You just need to send an invoice and get paid without navigating enterprise-grade complexity.

Expensive Subscriptions

Monthly fees eat into your margins before you've even made a sale. Paying $20-50/month just to send invoices doesn't make sense when you're just getting started.

Payxem was built to solve all of these. One platform. Multiple payment methods. No monthly fees. Works globally.

Features

Everything You Need to
Invoice and Get Paid

Professional Invoicing

Create clean, professional invoices in seconds. Add line items, apply tax, set due dates, and send directly to clients by email with a secure payment link.

  • Custom invoice numbering tied to your account
  • Line items with quantity, rate, and description
  • Tax and processing fee options
  • Branded email delivery with a Pay Now button
  • PDF download for your records

Multiple Payment Methods

Give your clients the flexibility to pay how they prefer. Payxem supports card payments, bank transfers, and cryptocurrency, all from the same invoice.

  • PayPal payments
  • Credit and debit card payments
  • International payment processing
  • Cryptocurrency (USDT, BTC, ETH and more)
  • Optional tipping for service-based work
  • More payment options coming soon

Built-in Wallet & Payouts

All payments flow into your Payxem Ledger-wallet. Track earnings in real time, view transaction history, and withdraw when you're ready.

  • Real-time balance tracking (pending and available)
  • Full transaction ledger
  • Withdraw via bank (IBAN)
  • Transparent lowest fee with no hidden charges

Payment Links & QR Codes

Not every job needs a formal invoice. Create reusable payment links and QR codes for quick payments, share your personal payment page, or set up service links.

  • Personal payment URL: app.payxem.com/p/yourname
  • Reusable service links for recurring services
  • QR codes for in-person or printed use
  • Multi-currency support with live exchange rates

Rewards Program (XEM Points)

Earn XEM reward points as you use the platform. Get points for signing up, completing verification, and receiving payments. Redeem for account credit.

  • Earn points on every transaction
  • Bonus points for milestones and referrals
  • Redeem XEM for USD credit in your wallet
  • Promo campaigns with bonus multipliers

Multi-Currency Support

Work with clients anywhere. Payxem supports 52+ currencies with live exchange rates, so your clients see prices in their local currency while you get paid in yours.

  • 52+ supported currencies
  • Live exchange rates at checkout
  • Clients pay in their local currency
  • You receive funds in your preferred currency
How It Works

Get Paid in Three Steps

1

Create Your Account

Sign up in under a minute. No credit card needed. Set up and verify your profile, add your business details, and you're ready to start invoicing.

2

Send an Invoice or Payment Link

Create a professional invoice with line items, tax, and due dates or generate a quick payment link. Your client receives an email with a Pay Now button.

3

Get Paid & Withdraw

Payments land in your Payxem wallet. Once cleared, withdraw to your bank account, crypto wallet, or international transfer service. Track everything from your dashboard.

Who It's For

Built for People Who
Work for Themselves

Freelancers

Designers, developers, writers, marketers and anyone who bills clients for project-based work.

Consultants

Independent professionals who need a reliable way to invoice retainer clients and one-off projects.

Small Businesses

Shops, agencies, and service providers who want a simple billing tool without enterprise complexity.

Global Workers

Digital professionals in regions where major payment platforms are unavailable or restricted.

Whether you're a graphic designer in Lahore or Layyah, a developer in Dhaka or Jaffarabad, a consultant in Karachi or Khairpur, or a freelancer in Quetta or Peshawar, Payxem is built for you.

Pricing

Simple, Transparent Pricing

No monthly subscriptions. No setup fees. No hidden costs. You only pay a small transaction fee when you get paid.

Pay As You Go

$0 /mo
Free forever. No credit card required.
Unlimited invoice creation (FUP applies)
Up to 5 active service/payment links
3.3% + $0.30 per payment received
Free withdrawals (standard processing)
Multiple payment methods (card, bank, crypto)
XEM reward points on every transaction
Get Started Free
Your clients can choose to cover the processing fee at checkout, so you receive the full invoice amount.
Earn XEM reward points on every transaction and redeem them for account credit to reduce your costs even further.
Security & Trust

Your Money and Data
Are Protected

Payxem is built with security as a foundation, not an afterthought. Every transaction, login, and piece of data is protected.

Encrypted Authentication

Session management with automatic timeouts and encrypted tokens.

Biometric Login

Fingerprint and face recognition support on compatible devices.

PIN Lock

Quick, secure access to your dashboard with a personal PIN.

Rate Limiting & Monitoring

IP monitoring and rate limiting to prevent unauthorized access attempts.

Identity Verification (KYC)

Verification through a trusted partner for payout eligibility.

Complete Audit Trail

Full activity logging for every action taken on your account.

FAQ

Frequently Asked Questions

Yes. There are no monthly fees or setup costs. You only pay a small transaction fee (3.3% + $0.30) when you receive a payment. Your client can also choose to cover this fee at checkout.
Your clients can pay by PayPal, Stripe Link, credit or debit card, or cryptocurrency (USDT, BTC, ETH, and others). They choose their preferred method on the payment page.
Once payments clear in your wallet, you can withdraw to a bank account (via IBAN), a crypto wallet (supporting multiple blockchains), or through Wise for international transfers.
Payxem is built to work globally, with a focus on regions where major payment services are limited or unavailable, such as Pakistan, Bangladesh, and similar markets. If you have internet access, you can use Payxem.
Payments are held for a short clearing period by our payment partners for security purposes, then released to your available balance. Withdrawal times depend on your chosen method but typically take 1-3 business days.
Basic features are available immediately. Identity verification (KYC) is required to unlock payouts and higher limits. The process is quick and handled through a trusted verification partner.
Yes. Payxem is a progressive web app (PWA) that works on any device. You can install it on your phone for a native app-like experience without downloading from an app store.

Ready to Get Paid?

Create your free account, send your first invoice, and start collecting payments today.

Create Free Account

No credit card required. Start in under 60 seconds.