PanPay review
Updated October 12, 2026 · HodlCue Editorial Team
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Our verdict
PanPay is known for cross border trade payments through one account covering 100 plus countries and more than 20 currencies. It suits B2B exporters and e commerce sellers who collect, pay and convert funds across markets.
Key facts
- Best for
- Cross border B2B sellers and online exporters
- Currencies
- 20↗
- Legal entity
- Shanghai PanPay Information Services Co., Ltd.↗
- Headquarters
- China↗
- Founded
- 2017↗
- Support channels
- Email, Phone↗
- Features
- Multi-currency
- Audience
- Business
- Official website
- panpay.com
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Covers more than 100 countries and regions in one network
- Supports more than 20 mainstream currencies for trade settlement
- Combines global accounts, collection, payment and exchange together
- Manages multiple e commerce stores under one account view
Cons
- Focused on trade use rather than everyday personal payments
- Built around cross border flows rather than domestic only needs
- Centred on business sellers rather than casual individual use
Ready to try PanPay?
Who it suits
- B2B exporters collecting in several trade currencies
- E commerce sellers running multiple stores together
- Businesses managing global payments and conversion centrally
Who should look elsewhere
- Shoppers looking for a personal high street account
How PanPay compares
Where PanPay is available
- Licence in United Kingdom
- Financial Conduct Authority (FCA) (1015835), checked September 26, 2026
- Licence in Hong Kong
- Hong Kong Customs and Excise Department (20-11-02985), checked September 26, 2026
- Licence in United States
- Financial Crimes Enforcement Network (FinCEN) (31000313157924), checked September 26, 2026
Frequently asked questions
What is PanPay?+
PanPay is a global currency network for cross border business. It links global accounts, receipt and payment networks with foreign exchange and fund management. One account is designed to cover the full cross border workflow.
Which countries and currencies does PanPay serve?+
PanPay covers more than 100 countries and regions. It supports more than 20 mainstream currencies for global payment, collection and conversion. The focus is mainstream trade currencies used in international settlement.
Who can use PanPay?+
PanPay serves B2B general trade and cross border e commerce sellers. B2B users can collect locally in several currencies with clearer routing. E commerce sellers can manage several stores together with collection, withdrawal and conversion.
How does PanPay protect funds and control risk?+
PanPay keeps client funds separate from operating funds. Client money is held in line with regulatory requirements. Risk controls cover KYC and AML checks with ongoing monitoring of transaction risk.
Which company operates PanPay?+
PanPay is operated by Shanghai PanPay Information Services Co., Ltd.. (Source, checked September 26, 2026)
Where is PanPay based?+
PanPay is based in China. (Source, checked September 26, 2026)
When was PanPay founded?+
PanPay was founded in 2017. (Source, checked September 26, 2026)
How can I contact PanPay support?+
PanPay offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- panpay.com checked September 26, 2026
Backs: Currencies, Features, Headquarters, Legal entity, Support channels
“20+ mainstream currencies”
- panpay.com/en-cn/about checked September 26, 2026
Backs: Audience, Founded
“providing global payments, multi-currency accounts, foreign exchange, and treasury management solutions for businesses”
- panpay.com/en-cn/regulatory checked September 26, 2026
Backs: Licences
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.
PanPay
Cross border B2B sellers and online exporters