Transparency
How we rank providers
Our rankings are built on a scoring model, not advertising spend. Here is exactly how it works.
The model
Four factors, one score
Every provider on Payn receives a composite score between 0 and 100. The score is calculated fresh on each page load using your current country selection and the inputs you have entered (transfer amount, loan term, etc.). Partners and non-partners are scored by the same formula.
Country fit
52%We match providers to the country you selected. A provider that directly supports your market scores higher than one with only EU-wide or international coverage. This is the single biggest factor in our scoring.
Speed
22%How fast money moves or how quickly you can open and use an account. We pull speed data from provider metrics and normalise it across categories — shorter is always better.
Simplicity
14%A proxy for friction: how many steps, conditions, or restrictions stand between you and the product. Fewer barriers means a higher simplicity score.
Popularity & outcome
12%A composite of engagement signals (saves, clicks) and the primary outcome value for the category — recipient amount for transfers, monthly payment for loans, estimated premium for insurance.
Diversity boost
When a single provider would appear multiple times (different products from the same brand), we apply a diversity boost to surface alternatives. This prevents one brand from dominating the top of the list even if all its products score highly.
No pay-to-rank
Providers cannot pay to appear higher in rankings. Partners receive an affiliatePriorityScore that acts as a mild tie-breaker between otherwise equal scores, but it cannot override the four primary factors.
Live data
For transfers and currency exchange, we fetch a live mid-market rate and calculate exactly how much the recipient would receive after each provider's fees and spread. The ranked order updates whenever the market moves.
What we don't score
Customer support quality, app store ratings, and brand reputation are not part of the score. We focus on measurable, objective data points that can be verified and updated regularly.
Data sources
Where the data comes from
Provider metrics are sourced from official pricing pages, provider APIs, and periodic manual reviews. We update catalogue data at minimum monthly. If you spot an error or outdated figure, please contact us — we will investigate and correct it within 48 hours.