| Payments OS |
No (custom quote) |
Unified platform for global payments—covers payments in 160+ countries, same‑day mass payouts, FX efficiency, digital wallets, Papaya card, reconciliation, API integration, fraud/AML protection, 24/7 support |
| Employer of Record (EOR) |
No (custom quote) |
Includes Payments OS features, plus compliant global hiring in 160+ countries, full payroll and benefits, immigration, mass onboarding, country-specific contracts, statutory payments automation, liability coverage |
| Agent of Record (AOR) |
No (custom quote) |
Same as EOR in feature set—compliance, payroll, benefits, onboarding, payments, contracts, liability coverage across 160+ countries |
| Contractor Solution |
No (custom quote) |
Pay and manage contractors—invoice handling, contractor management tools, AOR options, private entrepreneur engagement, automated tax forms like 1099 NEC, classification support |
| Contingent OS |
No (custom quote) |
End-to-end platform for contingent workforce: classification, onboarding, payments in 130+ currencies, compliance, VMS integration, worker wallets, BI analytics, early-pay access, financial tools, global support |
| Workforce OS |
No (custom quote) |
Comprehensive payroll & payment system: connectors, AI-based validation, analytics, employee portal, JE automation, time & attendance, data security, Papaya 360 support |
| PayrollPlus |
No (custom quote) |
Global payroll management in 160+ countries; Papaya-run entities, shadow payroll, U.S. payroll/PEO options, global benefits, equity management, immigration support, Countrypedia data, knowledge base |