Help center

Straight answers about payments, accounts, cards and crypto — written by the team that builds Baynoy.

[01] Getting started

What you need to open an account

Baynoy is for registered businesses. Here is exactly what we ask for, and why.

Read →[02] Getting started

Which documents we ask for

Company registration, ownership, and — depending on your sector — a licence or a sample contract.

Read →[03] Getting started

What your application status means

Submitted, in review, needs information, approved, approved with limits, or declined — and what you can do in each.

Read →[04] Getting started

Adding a second business

One login, several companies — each with its own balances, links, cards and team.

Read →[05] Getting started

Team roles and what each can do

Roles separate money actions from developer access. Only owners change roles.

Read →[06] Getting paid

Create and share a payment link

A link you can send anywhere, with a QR twin, that takes card, wallet and — if you enable it — crypto.

Read →[07] Getting paid

Using hosted checkout

The payment page we host, run and keep compliant — your branding, our PCI scope.

Read →[08] Getting paid

Embedding the checkout widget

Configure it visually, copy the snippet, paste it into your site.

Read →[09] Getting paid

QR payments

Codes for counters, tables and posters — dynamic or static.

Read →[10] Getting paid

Subscriptions and recurring payments

Consent first, restrained retries, and a cancellation the customer can always find.

Read →[11] Getting paid

Sending an invoice

Line items, tax, due date, a hosted page with a pay button, and reminders that don't nag.

Read →[12] Getting paid

Refunding a payment

Full or partial, back to the original method, with the fee treatment shown.

Read →[13] Getting paid

Disputes and chargebacks

What a dispute is, the deadlines, and what evidence actually wins.

Read →[14] Getting paid

Products and prices

One product, several prices — reuse them in links and invoices.

Read →[15] Accounts & cards

Your account details

Where to find your IBAN or local details, what they accept, and how to share them.

Read →[16] Accounts & cards

Why funds are held, and when they are released

Pending versus available, the usual window, and where to see the exact release date.

Read →[17] Accounts & cards

Sending money

To a bank account, an email, or a Baynoy tag — with the fee and arrival shown before you confirm.

Read →[18] Accounts & cards

Converting between currencies

The rate, the fee and a validity window, before you agree to anything.

Read →[19] Accounts & cards

Statements and exports

Per balance, any date range, as CSV or PDF — the same ledger your balance is built from.

Read →[20] Accounts & cards

Cards and wallets

Virtual instantly, physical to your door, and adding either to Apple or Google wallet.

Read →[21] Accounts & cards

Choosing what a card spends from

A fiat balance, USDC, or Smart — and how crypto-funded purchases are displayed.

Read →[22] Accounts & cards

Ordering and activating a card

From order to first purchase, including what the delivery timeline means.

Read →[23] Crypto

Receiving a stablecoin deposit

Only listed tokens on listed networks, screened before anything moves.

Read →[24] Crypto

Managing deposit addresses

Create as many as you need, one asset and one network each, with labels that make sense later.

Read →[25] Crypto

Withdrawing crypto

Allowlisted addresses, screening, and why the first send to a new address is slower.

Read →[26] Crypto

Auto top-up from USDC

Keep a fiat balance above a floor without watching it.

Read →[27] Security

Passkeys and two-factor

Passkeys first, an authenticator app as backup, and why we do not use SMS as a primary factor.

Read →[28] Security

Sessions and devices

See where you are signed in, and end anything you don't recognise.

Read →[29] Security

If something looks wrong

What to do first, what we will never ask you for, and how to reach a human fast.

Read →[30] Security

Keeping API keys and webhooks safe

Secret keys stay on servers, webhooks get verified, and rolling a key is normal maintenance.

Read →[31] Fees & billing

How fees work

One Baynoy price per thing, shown before you use it, and itemised in every export.

Read →[32] Fees & billing

When prices change

Advance notice, a clear effective date, and your options.

Read →

Still stuck?

Write to us with your account email and we'll pick it up from there.

Contact support