Zexel Pay v2 · now live in 150+ countries
Outsource your
creator payouts.
We handle the rest.
Zexel is the merchant of record for the creator economy. We invoice, comply and pay — so your finance team doesn't have to.
For brands, agencies & platforms
Pay any creator, anywhere — on one invoice.
Batch hundreds of payouts in any currency. Receive a single, fully compliant invoice. Done.
Batch · 4 payees0/4 paid
AM
Alex M. · ES
€2,400
Paid
JR
Jordan R. · US
$1,850
Paid
LK
Lina K. · DE
€3,120
Paid
SO
Sara O. · BR
R$ 9,400
Paid
Batch payouts · Consolidated invoice · Tax outsourced · 30+ currencies
For creators, affiliates & partners
Get paid legally — no company needed.
Receive money from any brand worldwide. We handle invoicing and taxes. You keep the rest.
Latest payment
€4,820.00
From Lumen Agency · campaign #248
INV-0421
Invoice sent
5m ago
PayPalWiseRevolutBank
PayPal · Wise · Revolut · Bank transfer
Trusted by teams paying creators in 150+ countries
02 / What it is
Your outsourced
accounts payable
for the creator economy.
Zexel becomes the merchant of record for every payout. Your team gets a single line item; creators get a compliant payment. We're the legal entity in the middle that makes both possible.
Payer
Your team
One invoice. Multi-level approval. Zero tax forms.
Invoices · complies · pays — under our license, in your name.
Recipient
Creators & partners
No company. No tax filing. Local-currency payouts.
IRPF · ES
IVA · EU
DAC7
W9 · 1099-K · US
KYC / AML
GDPR
We invoice
Compliant invoices generated and sent on behalf of every creator — including those without a registered company.
Per country · per currency
We comply
IRPF, IVA, DAC7, W9 — every tax form, withholding rule and reporting requirement handled automatically.
No paperwork for your team
We pay
Global payouts to 150+ countries in 30+ currencies, via PayPal, Wise, Revolut or local bank transfer.
T+0 to T+2 settlement
03 / How it works
Three steps. One invoice.
From a list of creators to settled payments and a clean accounting line — in under a week.
STEP 01
Add your creators.
Upload a CSV or add emails one by one with amount, currency and campaign. Or pipe them in via API.
STEP 02
Approve & pay.
Multi-level sign-off flow between marketing, finance and ops. One click triggers every payment.
FN
Awaiting CFO sign-off
STEP 03
Receive one invoice.
A single, consolidated invoice covers every creator paid in the batch — clean for your accounting.
INV-2026-0421
€84,200.00
04 / Who we help
Built for both sides of the payout.
Whether you're sending money to dozens of partners every month, or you're a creator tired of explaining what an "autónomo" is — Zexel is for you.
Payer
Brands & agencies
Scale influencer & affiliate campaigns without hiring more ops headcount.
Read more PayerPlatforms & SaaS
Embed creator payouts via API — without becoming a fiscal entity.
Read more RecipientCreators & affiliates
Get paid legally by any brand, worldwide. No company, no tax filing.
Read more PayerMarketplaces
Connect buyers and creators and stay in the payment flow end-to-end.
Read more
By team
FinanceMarketingOperationsTalent managersAccount managers
05 / Use cases
Wherever money moves to a creator.
From influencer campaigns to esports prize pools, Zexel handles the rails, the tax and the invoice — so the work is the only thing your team thinks about.
06 / Features
A finance tool that finally speaks creator.
Six features that replace a quarter of headcount. Plus dozens more — built specifically for the messy reality of paying people who don't fit a 1099 row.
Global batch payouts
PaymentsPay hundreds of creators in one action, in any currency, with one click.
Consolidated invoice
PaymentsOne invoice covers every payee in the batch — clean and audit-ready for finance.
Multi-level approvals
For teamsMarketing requests, finance approves, ops releases. Nothing moves without sign-off.
Tax compliance outsourced
For teamsIRPF, VAT, DAC7, W9 — every form, withholding and report managed per creator.
ZexelAI assistant
AIAnswers fiscal questions, resolves incidents, tracks every payout status — in your chat.
API & no-code integration
PlatformIntegrate in under 24h via our API — or start today with the CSV uploader.
07 / ZexelAI
Your fiscal copilot.
Always on.
An assistant trained on every tax code we operate in. Answers fiscal questions, resolves payment incidents, and tracks every payout — in plain English, Spanish, Portuguese, or French.
ZexelAI
Fiscal copilot
Online
How is Lina K.'s IRPF retention calculated on her last invoice?
Lina K. is registered as an autónomo in ES. For invoice INV-0421 (€3,120), we applied 7% IRPF retention (reduced rate, first 3 years).Source: ES tax code · Art. 95.1
Ask about a payout, a tax form, an incident…
Answers fiscal questions
"What's the IRPF on a €4,200 invoice for a UGC creator in Portugal?" — cited to source.
Resolves incidents
Disputed payment, bounced transfer, missing invoice — ZexelAI triages and routes to the right team automatically.
Tracks every payout
Ask for status across batches, currencies, or creators. Get receipts, invoice PDFs and timelines instantly.
94%
Issues resolved without a human
<30s
Median first response
08 / Proof
A few numbers we like.
Quietly running creator payouts for hundreds of brands across 5 continents — every day, in 30+ currencies.
500+
Creators paid every month
30+
Currencies supported
150+
Countries we pay into
99.9%
Uptime SLA, 2025 actual
“
Zexel doubled our billing capacity and eliminated manual invoice chasing — our finance team got a quarter of their week back.Mariana CastellsHead of Finance · Lumen & Co · 2,400 creators paid in 2025
09 / Resources
Guides from the
people running the payments.
Practical guides from the team that actually runs the payments — country by country, edge case by edge case. Not SEO filler.
10 / FAQ
The five questions
every finance lead asks.
If yours isn't here, it's probably in the docs — or our sales team will answer it in the first ten minutes of a call.
01Who is the legal counterparty to the creator — us or Zexel?
Zexel is. Once a creator is onboarded, they invoice Zexel — not you — and Zexel pays them under our payments-institution license. Your team receives one consolidated invoice per batch. You stay out of the contractual chain with the individual creator, which is what makes this a true merchant-of-record service and not just a payment processor.
02Do creators need a company or VAT number to get paid?
No. Zexel Pay is built to pay creators regardless of their tax status — individuals without a registered business, freelancers, and registered companies alike, most of whom aren't VAT-registered. Our onboarding segmentation analyzes each creator's tax situation to determine the right payment treatment automatically. When you work with Zexel Pay, you delegate that responsibility entirely: you get a single invoice from us, and we handle the payout to the creator whether or not they have a registered business.
03How is your pricing structured?
Pricing adapts to your usage pattern. On-demand payouts: a per-batch fee, volume-tiered. Consistent monthly volume: a monthly platform fee plus a tiered batch fee — better economics as you scale. FX spread applies on cross-currency transfers either way. Talk to sales for a quote benchmarked against your last 90 days of payout volume.
04Which taxes and reports do you actually file?
Withholding (IRPF in Spain, equivalents across PT, FR, IT, DE), VAT / IVA reverse-charge where applicable, DAC7 reporting for EU platforms, W-9 and 1099-K for US payees, and KYC / AML on every recipient. We file directly with the tax authority — your team never touches a form. Audit-ready exports are available in the dashboard at any time.
05How long does it take to go live, and can we integrate via API?
CSV uploader: same day. API integration would depend on your team to integrate with us — create payee, trigger batch, webhook on settlement. Full embedding for platforms takes 1–2 weeks including sandbox testing.
Proyecto financiado por
