Payset vs Groundfloor

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Payset compared with Groundfloor
Detail	Payset	Groundfloor
What it does	Multi-currency business accounts for fast international payments and smarter FX	Private markets investing platform offering real estate loans, notes, and emerging alternative investments
Stage	Established	Established
Founded	2018	2013
Based in	GB	US
Pricing model	Freemium	Freemium
Pricing	Account opening: free. Receiving funds: from £2 locally, up to 0.4% (min £10) internationally. Sending funds: from £2 locally, up to 0.4% (min £12) internationally. Currency exchange: as low as 0.09%. CHAPS transfers: from £14-£15. Urgent payments: from £20. Monthly access fee may apply based on ris	Notes: 5%-9.0% highest return, $100-$10,000 minimum investment; Loans: 10-18% target IRR, $10 minimum investment; 12 Mo Preferred Note: 8.5% fixed rate, $10,000 minimum investment; Groundfloor Bond Note: 9.5% fixed rate, $10,000 minimum investment; Music Royalties Portfolio: 7% annualized return (12
Key features	Send and receive in 34 currencies Exchange up to 38 currency pairs Local IBANs in five regions (UK, Europe, US, Singapore, Hong Kong) Team management with permission controls Multi-signature approval for transactions Spending rules per user 24/7 account security Two-factor authentication Multiple payment networks (SWIFT, SEPA, ACH, Fedwire, Faster Payments) Quick onboarding (1-3 business days)	Individual real estate loan selection with 10-18% target IRR Auto Finance Portfolio with 13.6% target net IRR for accredited investors Music Royalties Portfolio offering 7% fixed annualized return Pre-IPO Stock Finance Portfolio with 15-18% target net IRR Portfolio tracking and real-time performance monitoring Automated monthly interest payments to investors Mobile app for browsing and managing investments on the go
What makes it different	FCA-regulated electronic money institution with segregated safeguarding Personalized support through multiple channels (phone, email, live chat, WhatsApp) Serves 70+ countries with local payment networks	100% repayment track record on real estate-backed notes since platform inception First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors Over 13 years of operating history managing real estate investments since 2013 Direct origination and underwriting rather than marketplace model Verified residential collateral and first- or second-lien security on every loan
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	39 −1 (down) since last check	49 +1 (up) since last check
Trust Flow (Majestic)	29	19
Citation Flow (Majestic)	22	32
Referring domains (Majestic)	701	595

8 details filled in for both companies.

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