Paya
Monitor card spending and stay on top of your monthly activity.
Overview
Paya is a prepaid card for everyday spending and travel. With Paya connected, its balance and payments feed straight into Finos, so a card you top up by hand still counts toward your monthly picture.
Key Capabilities
Prepaid spending, fully accounted for.
Finos tracks Paya top-ups as transfers rather than spending, and each Paya payment as the purchase it was.
Top-ups as transfers
Money moved onto the card is not counted twice.
Monthly card activity
Paya payments by category, in your spending overview.
Low-balance alerts
A nudge when the card runs low before a trip.
Setup Instructions
Connect Paya and choose the account you usually top it up from, so transfers are matched automatically.
01 — Choose Paya
Press Connect and approve the link in the Paya app.
02 — Match the top-up account
Pick the bank account Paya is funded from.
03 — Set the alert
Choose the balance that should trigger a reminder.
Security & Privacy
Paya shares balance and transaction data over an encrypted connection you approve in the Paya app. Finos cannot top up or spend from the card.
Questions, answered clearly.
Your membership brings connected accounts, cards, budgets and goals into one workspace, with planning views, shared access controls and support included.
Yes! You can connect multiple bank accounts and payment cards in one place, making it easy to track transactions, monitor balances, and manage your finances.
Your financial data is protected with secure encryption, strict access controls, and industry-standard security practices to help keep your personal and financial information safe.
Yes! You can invite team members or trusted individuals to your workspace and manage their access permissions to ensure everyone can access only the information they need.
During the 14-day review, you can explore your financial activity, review connected accounts, and evaluate how well the platform meets your needs before making a final decision.
Absolutely! You can cancel your subscription, change your billing plan, or update your payment method at any time through your account settings.
Budgets and goals together
