{
 "schema_version": "1.0",
 "id": "papaya-global",
 "name": "Papaya Global",
 "research_status": "researched",
 "vendor_domain": "papayaglobal.com",
 "category": "HR & People",
 "task": "Payroll & team benefits",
 "summary": "Enterprise workforce-payments platform unifying global payroll, EOR hiring, contractor management and cross-border payments in one system — finance-first, with same-day local payouts on owned payment rails and deep ERP/HRIS integration. Premium, quote-only pricing.",
 "best_for": "finance-led mid-market and enterprises already running legal entities in several countries. They want to consolidate fragmented multi-country payroll and cross-border payments into one platform, with real-time workforce-cost dashboards, automated GL mapping, same-day local payouts and deep ERP/HRIS integration (Workday, SAP, NetSuite, HiBob). And they can absorb premium quote-only pricing for a white-glove managed service",
 "skip_if": "you're a startup or SMB making a handful of hires abroad and want it fast and cheap. Papaya is finance-led enterprise tooling: contractors are a paid add-on, EOR outside its roughly 40 owned-entity countries runs through in-country partners, and onboarding is slower than Deel's. The platform is overkill and overpriced for domestic-only or first-hire use",
 "honest_knock": "Every headline price is a 'starting from' that dead-ends at 'book a demo'. And multiple reviewers report the real bill runs bigger than the sticker: 30-50% over quote, with setup, FX and filing fees surfacing after signing (reviewer reports, not universal terms). The documented contract is typically a two-year agreement with a rolling 90-day termination clause, so read the term and exit clauses closely before signing. The deeper structural knock is where the work happens. Outside the countries where Papaya owns entities, it delivers EOR through in-country partners; a third-party estimate puts the owned count near 40, and Papaya does not disclose which are owned versus partner. So at 15+ countries you're often one escalation removed from whoever actually runs your payroll. Clients report a recurring set of problems: invoicing errors, data that doesn't sync between Papaya and the partner, and missed or late payroll runs. Support decays from a named account manager into a rotating ticket queue with no live channel.",
 "pricing": {
  "status": "public",
  "entry_price": "$499",
  "entry_price_terms": "Employer of Record · per employee per month, and a published 'starting from' floor under a Get a Quote button rather than a rate card",
  "from_price_usd_month": 499.0,
  "plans": [
   {
    "name": "EOR",
    "price": "from $499 per employee/month",
    "includes": ""
   },
   {
    "name": "Contractor of Record",
    "price": "from $199 per contractor/month",
    "includes": ""
   },
   {
    "name": "Contractor",
    "price": "from $5 per contractor/month",
    "includes": "lighter Contractor solution"
   },
   {
    "name": "Payroll Plus",
    "price": "from $29 per employee/month",
    "includes": ""
   },
   {
    "name": "OnePay",
    "price": "$0 platform fees",
    "includes": ""
   },
   {
    "name": "Workforce OS",
    "price": "no published price",
    "includes": "quote only"
   },
   {
    "name": "Contingent OS",
    "price": "no published price",
    "includes": "quote only"
   }
  ],
  "plans_source": "summarised from pricing.notes; every plan name and amount appears verbatim in those notes",
  "notes": "(price re-verified 2026-10-01) Papaya publishes floors on its own pricing page, read in a browser because the page returns HTTP 403 to plain fetches. EOR from $499 per employee/month, Contractor of Record from $199 per contractor/month, the lighter Contractor solution from $5 per contractor/month, Payroll Plus from $29 per employee/month, OnePay at $0 platform fees. Workforce OS and Contingent OS carry no figure — quote only. Every one of those numbers stood unchanged across our readings on 4 September, 10 September and 1 October 2026. These are 'starting from' floors under a 'Get a Quote' button, not a rate card, and they sit BELOW the third-party trackers this dossier used to rely on: Business.com (Feb 2026) had EOR 'starts at $599/employee/mo', eorHQ (Jun 2026) roughly $650 standard / $770 premium. Per Business.com the contract is typically a two-year agreement with a rolling 90-day termination-for-convenience clause, and individual reviewers report bills running 30-50% over quote plus setup, FX and filing fees.",
  "verified_at": "2026-10-01",
  "source_url": null
 },
 "free_plan": false,
 "free_plan_evidence": null,
 "cost_traps": [
  {
   "id": "per_seat",
   "label": "Per-seat pricing",
   "evidence": "EOR from $499 per employee/month, Contractor of Record from $199 per contractor/month, the lighter Contractor solution from $5 per contractor/month, Payroll Plus from $29 per employee/month, OnePay at $0 platform fees.",
   "verified_at": "2026-10-01",
   "source_url": null
  }
 ],
 "compare_with": {
  "name": "Deel",
  "why": "Deel is HR-led and built to hire someone abroad this week — broad, fast, contractor-friendly; Papaya is finance-led and built to consolidate multi-country payroll and payments at enterprise scale. Pick by whether your buyer sits in HR or Finance"
 },
 "links": {
  "record": "https://aibuildermarketplace.com/api/v1/products/papaya-global.json",
  "review": "https://aibuildermarketplace.com/b2b/papaya-global-review/",
  "marketplace": "https://aibuildermarketplace.com/marketplace/papaya-global/",
  "vendor_site": "https://papayaglobal.com"
 },
 "purchase": {
  "seller": "the vendor",
  "how": "AIBuilder Marketplace does not sell this software. Sign up, start a trial or buy on the vendor's site.",
  "handoff_url": "https://get.papayaglobal.com/jask07ch1ho5",
  "affiliate": true,
  "disclosure": "Where purchase.affiliate is true, purchase.handoff_url is an affiliate link: AIBuilder Marketplace may earn a commission at no extra cost to the buyer. Commission never changes what a record says, and products are not ranked by commission. Where it is false the link is the vendor's plain site."
 },
 "provenance": {
  "research": "hand-researched dossier, read on the vendor's own pages",
  "researched_since": "2026-07",
  "method": "https://aibuildermarketplace.com/how-we-review/",
  "license": "CC BY 4.0. Credit 'AIBuilder Marketplace' with a link to https://aibuildermarketplace.com/atlas/.",
  "note": "A rebuild is not a new measurement: pricing.verified_at is the date that matters."
 },
 "cost": {
  "status": "available",
  "engine": "https://aibuildermarketplace.com/agents/#cost",
  "rules": {
   "currency": "USD",
   "unit": "worker",
   "axis": "users",
   "plans": [
    {
     "id": "eor",
     "name": "EOR",
     "service": "eor",
     "model": "per_unit",
     "price_month": 499,
     "billing": "unspecified",
     "evidence": "EOR from $499 per employee/month"
    },
    {
     "id": "cor",
     "name": "Contractor of Record",
     "service": "contractor_of_record",
     "model": "per_unit",
     "price_month": 199,
     "billing": "unspecified",
     "evidence": "Contractor of Record from $199 per contractor/month"
    },
    {
     "id": "contractor",
     "name": "Contractor solution",
     "service": "contractor",
     "model": "per_unit",
     "price_month": 5,
     "billing": "unspecified",
     "evidence": "the lighter Contractor solution from $5 per contractor/month"
    },
    {
     "id": "payroll-plus",
     "name": "Payroll Plus",
     "service": "global_payroll",
     "model": "per_unit",
     "price_month": 29,
     "billing": "unspecified",
     "evidence": "Payroll Plus from $29 per employee/month"
    }
   ],
   "notes": [
    "These are 'starting from' floors under a 'Get a Quote' button, not a rate card."
   ],
   "not_computable": [
    "Third-party reports describe a typical two-year agreement and bills above quote plus setup, FX and filing fees; Papaya publishes none of these."
   ],
   "rules_verified_at": "2026-10-09"
  },
  "growth": {
   "annual": {
    "product_id": "papaya-global",
    "currency": "USD",
    "axis": "users",
    "unit": "worker",
    "billing": "annual",
    "rows": [
     {
      "units": 1,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 5.0,
      "billed": {
       "amount": 5.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 499.0,
       "cor": 199.0,
       "contractor": 5.0,
       "payroll-plus": 29.0
      }
     },
     {
      "units": 2,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 10.0,
      "billed": {
       "amount": 10.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 998.0,
       "cor": 398.0,
       "contractor": 10.0,
       "payroll-plus": 58.0
      }
     },
     {
      "units": 3,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 15.0,
      "billed": {
       "amount": 15.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 1497.0,
       "cor": 597.0,
       "contractor": 15.0,
       "payroll-plus": 87.0
      }
     },
     {
      "units": 5,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 25.0,
      "billed": {
       "amount": 25.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 2495.0,
       "cor": 995.0,
       "contractor": 25.0,
       "payroll-plus": 145.0
      }
     },
     {
      "units": 10,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 50.0,
      "billed": {
       "amount": 50.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 4990.0,
       "cor": 1990.0,
       "contractor": 50.0,
       "payroll-plus": 290.0
      }
     },
     {
      "units": 15,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 75.0,
      "billed": {
       "amount": 75.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 7485.0,
       "cor": 2985.0,
       "contractor": 75.0,
       "payroll-plus": 435.0
      }
     },
     {
      "units": 20,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 100.0,
      "billed": {
       "amount": 100.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 9980.0,
       "cor": 3980.0,
       "contractor": 100.0,
       "payroll-plus": 580.0
      }
     },
     {
      "units": 25,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 125.0,
      "billed": {
       "amount": 125.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 12475.0,
       "cor": 4975.0,
       "contractor": 125.0,
       "payroll-plus": 725.0
      }
     },
     {
      "units": 50,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 250.0,
      "billed": {
       "amount": 250.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 24950.0,
       "cor": 9950.0,
       "contractor": 250.0,
       "payroll-plus": 1450.0
      }
     },
     {
      "units": 100,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 500.0,
      "billed": {
       "amount": 500.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 49900.0,
       "cor": 19900.0,
       "contractor": 500.0,
       "payroll-plus": 2900.0
      }
     }
    ],
    "switch_points": [],
    "conflicts": [],
    "unknowns": [
     "Third-party reports describe a typical two-year agreement and bills above quote plus setup, FX and filing fees; Papaya publishes none of these."
    ]
   },
   "monthly": {
    "product_id": "papaya-global",
    "currency": "USD",
    "axis": "users",
    "unit": "worker",
    "billing": "monthly",
    "rows": [
     {
      "units": 1,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 5.0,
      "billed": {
       "amount": 5.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 499.0,
       "cor": 199.0,
       "contractor": 5.0,
       "payroll-plus": 29.0
      }
     },
     {
      "units": 2,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 10.0,
      "billed": {
       "amount": 10.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 998.0,
       "cor": 398.0,
       "contractor": 10.0,
       "payroll-plus": 58.0
      }
     },
     {
      "units": 3,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 15.0,
      "billed": {
       "amount": 15.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 1497.0,
       "cor": 597.0,
       "contractor": 15.0,
       "payroll-plus": 87.0
      }
     },
     {
      "units": 5,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 25.0,
      "billed": {
       "amount": 25.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 2495.0,
       "cor": 995.0,
       "contractor": 25.0,
       "payroll-plus": 145.0
      }
     },
     {
      "units": 10,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 50.0,
      "billed": {
       "amount": 50.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 4990.0,
       "cor": 1990.0,
       "contractor": 50.0,
       "payroll-plus": 290.0
      }
     },
     {
      "units": 15,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 75.0,
      "billed": {
       "amount": 75.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 7485.0,
       "cor": 2985.0,
       "contractor": 75.0,
       "payroll-plus": 435.0
      }
     },
     {
      "units": 20,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 100.0,
      "billed": {
       "amount": 100.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 9980.0,
       "cor": 3980.0,
       "contractor": 100.0,
       "payroll-plus": 580.0
      }
     },
     {
      "units": 25,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 125.0,
      "billed": {
       "amount": 125.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 12475.0,
       "cor": 4975.0,
       "contractor": 125.0,
       "payroll-plus": 725.0
      }
     },
     {
      "units": 50,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 250.0,
      "billed": {
       "amount": 250.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 24950.0,
       "cor": 9950.0,
       "contractor": 250.0,
       "payroll-plus": 1450.0
      }
     },
     {
      "units": 100,
      "cheapest_plan": "contractor",
      "cheapest_plan_name": "Contractor solution",
      "total_month": 500.0,
      "billed": {
       "amount": 500.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "eor": 49900.0,
       "cor": 19900.0,
       "contractor": 500.0,
       "payroll-plus": 2900.0
      }
     }
    ],
    "switch_points": [],
    "conflicts": [],
    "unknowns": [
     "Third-party reports describe a typical two-year agreement and bills above quote plus setup, FX and filing fees; Papaya publishes none of these."
    ]
   }
  }
 },
 "unknowns": [
  "Contract terms (cancellation, data export, data location, minimum seats) are not researched as separate fields; pricing.notes mentions them only where the vendor's pricing page does.",
  "Not tested hands-on by us: what the product does comes from the vendor's pages and our reading of them."
 ],
 "task_evidence": null,
 "open_questions": [
  {
   "question_id": "papaya-global:cancellation_terms",
   "key": "cancellation_terms",
   "question": "Can a customer cancel at any time, and what happens to an annual plan that is cancelled mid-term?",
   "status": "open"
  },
  {
   "question_id": "papaya-global:data_export",
   "key": "data_export",
   "question": "Which data can a customer export, in which formats, on which plans?",
   "status": "open"
  },
  {
   "question_id": "papaya-global:data_location",
   "key": "data_location",
   "question": "Where is customer data stored, and can a customer choose the region?",
   "status": "open"
  },
  {
   "question_id": "papaya-global:pricing_gap_1",
   "key": "pricing_gap_1",
   "question": "Our price check could not put a number on this part of the cost: Third-party reports describe a typical two-year agreement and bills above quote plus setup, FX and filing fees; Papaya publishes none of these. Can you publish the price or the rule?",
   "status": "open"
  }
 ],
 "vendor_answers": [],
 "agent_channels": {
  "vendor_mcp": null,
  "agent_checkout": {
   "status": "not_found",
   "detail": "No explicit support for purchases by AI agents on the vendor's own pages.",
   "checked_at": "2026-10-07",
   "method": "homepage, /pricing and the pricing page we cite, read as plain HTML (no JavaScript) and searched for explicit support of purchases by AI agents: Agentic Commerce Protocol, Instant Checkout, Agent Payments Protocol, buy in ChatGPT, agentic checkout"
  }
 },
 "feature_evidence": {
  "features": {
   "expenses": {
    "label": "Expense reimbursement in the platform",
    "phrases": [
     "expenses",
     "expense reimbursement",
     "expense reimbursements",
     "reimbursements",
     "expense approvals"
    ]
   }
  },
  "evidence": [
   {
    "feature": "expenses",
    "plans": [
     "EOR"
    ],
    "quote": "Expense receipts are validated at the moment of submission. Papaya’s Expenses Agent checks each receipt instantly, flags issues upfront, and routes approved reimbursements directly into payroll.",
    "context": "Employer of Record product page, read in a browser.",
    "source": "https://www.papayaglobal.com/employer-of-record/",
    "read_on": "2026-10-09"
   }
  ],
  "note": "From the vendor's own pages, with plan, source and reading date. Documented by the vendor, not tested by us; our own tests are in task_evidence."
 }
}