Legal
Affiliate Disclosure
Last updated: 25 May 2026
The short version
Some links on payn.online are affiliate links. If you open an account with a provider through one of those links, the provider pays Payn a referral commission. This compensation does not change the order in which offers appear, and it does not change the headline rates, fees, or APRs we publish.
How we keep ranking honest
- Ranking is computed from objective product attributes (APR, fees, FX spread, speed, coverage). The algorithm runs the same query for monetised and non-monetised offers.
- Every monetised offer carries an
isPartnerflag in our catalogue; auditors can request a diff between “monetised order” and “raw rank order” — they're the same. - We publish non-monetised offers too (Wise, Klarna, Revolut Standard, IBKR, etc.) when they win on the numbers, even though we earn nothing if you click them.
Which providers currently pay Payn
At time of writing, the following partners pay a referral commission via Financeads:
- ActivTrades
- Airwallex
- Coinhouse
- Currensea (issuer for the Hilton Honors Debit Card)
- Deblock
- Enky Invest
- GoHenry
- Krak Card (by Lunar)
- SumUp
- Wallester
- Waltio
- Wirex
- YouHodler
Each of their listings carries a small “partner” badge so you can identify them at a glance. The list above is the canonical one; if you find a missing or stale entry, email hello@payn.online.
What we never do
- Accept payment to move an offer up in the ranking.
- Hide a non-paying provider from the catalogue.
- Inflate counts or fabricate ratings.