Waitlist open · private beta Dec 13, 2026

Get paid by anyone.
Spend it anywhere.

We invoice your client in our name, your client pays us, and you get paid out in EUR, USD or crypto. For freelancers worldwide, with or without a company, with or without a fixed address.

  • EUR · SEPA
  • USD · ACH & Wire
  • Crypto · USDC

Free to join. Founding members keep their launch price for life.

See how it works in 90 seconds

No sound? Scroll down, the steps are explained below.

How it works

How it works

Pay Thirteen is not just an account. We are the company that stands between you and your client.

01 · Create a project

Set up your project in the app: client, service, amount. Takes a minute.

02 · We invoice your client

Pay Thirteen takes on the project and invoices your client in our own name, with a company address and account number. Your client pays us by regular bank transfer.

03 · Deliver and get paid out

You deliver your work to us. As soon as your client's payment is in and approved, you get paid out: to your wallet, to your bank account in EUR or USD, or as crypto. Your choice, every time.

We take care of

Invoicing

Every invoice goes out under the Pay Thirteen name.

Incoming payments

We check the payment, you get notified.

Reminders

If your client pays late, we follow up.

One transparent fee per project. The rest is your payout.

Your payout, your choice

Wallet, bank account in EUR or USD, or crypto. We only hold a payment as long as it takes to match and approve it.

No fixed address needed

Passport and a quick selfie check. Company documents if you have a company. No utility bill, no proof of a home you don't have.

One app for all of it

Projects, invoices, payments and payouts in one place. Your clients only ever see a professional invoice.

Get paid out your way.

Every payout, you decide where it goes.

Wallet (USDC)

Your payout lands in your Pay Thirteen wallet in digital US dollars. Keep it, send it on or pay out later.

Free

EUR to your IBAN

Paid out in euros to any bank account in your name.

SEPA · 2 free per month

USD to your US account

Paid out in US dollars by ACH or wire, e.g. to your LLC's US bank account.

ACH · 2 free per month · Wire $25

Crypto

Paid out as USDC to your own crypto wallet.

Free

Example: You invoice €3,000 → our fee 5% = €150 → €2,850 paid out to where you choose.

Why Pay Thirteen

Built for people who work from everywhere.

01

Work from anywhere

Bali this month, Lisbon the next. Your clients pay the same company, wherever you are.

02

A real company between you and your client

Your client books the job with Pay Thirteen and gets an invoice from an established US company. You deliver to us, we pay you out.

03

With or without a company

Freelancer without a company? Works. US LLC, UK Ltd or another company? Works too.

04

Real people, in English and German

No chatbot loop. A real person answers, in English or German, usually within one business day.

05

Bookkeeping-ready

Every project comes with its invoice, payment confirmation and payout statement. Monthly statements and CSV export for your accountant.

06

No questions about where you live

We don't ask for a utility bill from a flat you left years ago. We verify who you are, not where you sleep.

Why not just a bank account?

—Pay ThirteenRegular business accountInvoicing apps
Works without a fixed address✓Often notYour bank decides
Works without a company✓✗✓
Invoice comes from an established company✓✗✗
Payout in EUR, USD or crypto✓Usually one currency✗
Payment reminders handled for you✓✗Partly
Personal support in English & German✓RarelyRarely
Portrait of Björn Skamrahl

Who's behind Pay Thirteen

I'm Björn. Since 2023 I've helped more than 100 freelancers and founders with US companies, most of them living abroad or on the move. The same problem came up again and again: great work, paying clients, and no bank willing to handle the money.

Pay Thirteen is my answer. A real company between you and your client, honest fees and people who actually answer.

Björn Skamrahl · Founder · Solution Thirteen LLC

Learn more about Solution Thirteen
Early bird

Early bird pricing for our first 100 customers. Your price is locked in for life, even when we raise prices later.

Founding price

Pay Thirteen

$19.99 / month

Invoice, get paid, get paid out your way

  • We invoice your client, in our name
  • 5% fee per paid invoice (min. $10)
  • Payout to your wallet or as crypto: free
  • Payout to your bank by SEPA (EUR) or ACH (USD): 2× per month included, then $3
  • Wire transfer: $25
  • Payment reminders to your client
  • Monthly statements & CSV export
  • Personal support in English & German
Coming after pre-launch

Pay Thirteen Card

+$10 / month

Add-on for founding members

  • Virtual card, pay worldwide
  • Apple Pay & Google Pay
  • No issuance fee for founding members
  • Physical card later ($99 one-time)
  • Card transaction and FX fees are separate from the 5% invoice fee and will be published before the card goes live.

Reserve now, pay nothing until your card is live.

Coming soon

Premium

For special cases: company cards and a business address. Coming soon.

One-time setup fee: $49 (verification & personal onboarding). All prices in USD.

Invite a friend. Get $25.

Share your personal link. When someone you invite signs up and their clients have paid $300 in invoices through Pay Thirteen, we credit $25 to your account.

  1. 01

    Share your link

    Get it right after joining the waitlist.

  2. 02

    They sign up

    and start invoicing with Pay Thirteen.

  3. 03

    You get $25

    once $300 in invoices are paid.

Use the same email everywhere. Your invite link is linked to the email you joined the waitlist with. Create your Pay Thirteen account with that same email, so we can credit your rewards. The same applies to the people you invite.

Credited to your Pay Thirteen balance 30 days after the qualifying payment. Self-referrals don't count. Full rules in our Terms.

Roadmap

Built step by step. Starting on the 13th.

Here's what's coming and when.

Private beta

The first founding members get access. Invoices in our name, payments in EUR and USD, payouts to your wallet, your bank account or as crypto.

Join the beta waitlist
--Days
--Hours
--Minutes
--Seconds
  1. Q1 2027

    Public launch

    • Open to everyone on the waitlist
    • Monthly statements and exports
  2. After pre-launch

    Virtual card

    • Virtual card for founding members first
    • Apple Pay and Google Pay
  3. Later

    Physical card

    • Delivered worldwide
  4. H2 2027

    Pay Thirteen app

    • iOS and Android
    • Everything from the web app, in your pocket
  5. Planned

    More to come

    • Checkout for digital products with EU VAT handled for you
    • Personal wallet with its own card
    • Bookkeeping and US LLC tax filings as add-ons
How it works

Pay Thirteen is an invoicing and payout service for freelancers and small businesses. We invoice your client in our name, your client pays us by bank transfer, and we pay you out, minus our fee, to your wallet, your bank account or as crypto.

Pay Thirteen does. Your client books the job with Pay Thirteen, we invoice them in our name and collect the payment. You deliver the work to us, and we pay you out as soon as your client has paid and the payment is approved.

No. They receive a professional invoice and pay it by bank transfer in EUR or USD, like any other invoice.

As soon as your client's payment has arrived and is approved by our team, usually within one business day. Bank payouts then depend on SEPA, ACH or wire processing times.

A monthly plan plus 5% per paid invoice. All details are in the pricing section above. Founding members keep their price for life.

Stop explaining yourself to banks.

Join the waitlist. Founding members get lifetime pricing and are first in line for the card.