Ontop Digital Wallet

Secure, Borderless Digital Wallet Platform

Digital wallet designed for independent contractors to receive payments instantly in 100+ countries. No maintenance fees. Backed by JP Morgan.
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Trusted by thousands of global workers
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Why Choose Ontop Digital Wallet Platform?

Experience the freedom of a wallet built for the modern global workforce.

Instant Payments

Receive your earnings in real time. No more waiting days for your money to arrive.

Zero Maintenance Fees

Keep more of what you earn. We don't charge you just for having an account.

Global Reach

Works in 100+ countries. Your money travels as far as your work does.
Secure
Visa
JP Morgan
Y Combinator
Software Payroll Security and Compliance
Digital wallet Platform

Security & compliance, trust you can measure.

Banking custody and institutional backing
Regulatory coverage across 150+ countries
Encryption, fraud monitoring and account safeguards
Audit trails, reporting and compliance exports
Privacy and Data Residency

Simple, Transparent Pricing

We believe you should keep what you earn. That's why we have zero monthly fees and clear transaction costs.

Wallet Maintenance

Open your account for free. Keep it for free.

$0/month
No setup fees
No monthly charges
No minimum balance

Bank Transfers

Depends on country & local bank rates

Payoneer

Fixed fee plus small percentage

Cryptocurrency

Network fee applies based on chain

Debit Cards

Of total transferred amount

Get set up in Minutes your Digital Wallet

Onboarding and implementation

Typical timeline and milestones

Most teams go live in just a few days. The process is simple and clearly defined, from wallet setup to the first payroll run, with full visibility at every step.

What Ontop handles for you

We take care of compliance, documentation, and wallet setup so your team can focus on hiring and growing without friction.

Data reconciliation and accounting handoff

Payroll and wallet data stay perfectly aligned with automated reconciliation and ready to use reports for finance and audits.

Dedicated support, SLAs and training

You get a dedicated onboarding specialist, guided training, and reliable support to keep everything running smoothly from day one.
People from different countries
New Feature

Euro Wallet
Get Paid in EUR, Fast & Free

Receive, hold, and withdraw euros directly in Ontop with a dedicated Euro Wallet built for seamless payouts.
Dedicated EUR Balance: Keep money in euros. No forced conversions.
Free & Fast Payouts: € 0 fees to bank. Seconds with SEPA Instant.
Trusted & Secure: Powered by regulated European financial partners.
Supports SEPA Instant and SEPA countries across Europe.

Frequently asked questions

Is Ontop Wallet secure and regulated?
Ontop Wallet is JP Morgan-backed and uses segregated USD custodial accounts, encryption, and continuous monitoring. As a digital wallet platform we provide audit logs, KYC and AML controls so funds and records meet compliance needs.
How fast are payouts?
You get paid to your Ontop Wallet in under one hour for most payroll runs, not the typical 3 to 5 day bank delay. Transfers out to local banks depend on local rails and may vary by country.
Which countries can I use Ontop in?
Ontop supports payroll and wallet services in 150+ countries with country-specific payout methods and KYC. The platform shows supported payout options at payment time so you always know what’s available.
What fees and FX rates apply?
There are no monthly wallet maintenance fees for contractors and no hidden subscription charges. FX margins and any network fees are displayed before confirmation so finance teams can forecast costs accurately.
How does the Ontop Card work?
Virtual and physical Visa cards link directly to Wallet balances and can be frozen instantly from the app. Cards earn 5 to 10 percent cashback on eligible purchases and include automatic expense categorization.
How do accounting and payroll integrate?
Ontop provides native connectors, CSV exports and APIs so ledger entries and payroll reports stay synchronized. Webhooks notify your systems of payment status to reduce manual reconciliation.
How is Ontop different from PayPal or Wise?
Unlike payment-only services, Ontop combines payroll, instant wallet payouts, and a high-yield USD account in one product. As a digital wallet platform built for contractors, Ontop removes vendor fragmentation and monthly fees.

Ready to Get Started?

Join thousands of global workers who are already enjoying instant, fee-free payments.

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Frequently asked questions

How Fast Can I Start Paying Workers?
Most companies run their first payroll in minutes after signup using Ontop's templates and guided flow. Payment previews display exchange rates and fees before you approve. That clarity helps finance schedule payments without last minute surprises.
How Does Ontop Handle Local Taxes And Filings?
Where Ontop offers EOR services we manage payroll taxes and statutory filings on your behalf. For contractor plans we automate tax documents and provide guidance for local obligations. That keeps in house teams from tracking dozens of local rules.
Can Ontop Integrate With Our Accounting And HR Systems?
Ontop integrates with major accounting and HRIS tools and offers GL export templates and APIs for custom workflows. These integrations reduce manual reconciliation and keep payroll data aligned with headcount and finance records.
How Secure Is My Data And Payroll Information?
Ontop uses encryption for data in transit and at rest and maintains industry security controls and certifications. Access is role based and audit logs track every action. Security teams can request our documentation for vendor risk reviews.
How Is Ontop Different From Other Payroll Tools?
Ontop combines hiring, locally compliant contracts and instant USD payouts with workers facing wallets and Visa cards so companies manage one platform instead of many. That unified approach reduces vendors and gives workers modern payment options with lower friction.