Request Finance Review 2026: Pricing, Global Payroll, Pros, and Cons

Request Finance is a specialized global payroll and expense management platform tailored for Web3 startups and distributed crypto teams. It is strongest at merging crypto treasuries with fiat banking networks, allowing organizations to route funds seamlessly across 190+ countries. [02] [51]

The platform is an excellent fit for crypto-native entities that need to pay global contractors or employees using stablecoins, fiat, or other cryptocurrencies. [53] However, it functions primarily as an international payment and invoicing rail rather than a full-service Employer of Record (EOR). [52] Buyers should verify their local compliance and tax filing requirements, as Request Finance does not offer native statutory tax filings. [52]

With transparent public pricing and strong accounting integrations with QuickBooks and Xero, Request Finance is a highly viable candidate for small to mid-market Web3 companies seeking to streamline their cross-border accounts payable and payroll workflows. [46] [54]

Request Finance is a cloud-based platform designed for cross-border payroll, contractor payments, and expense management. [02] The system is specifically built for Web3 companies and DAOs that hold crypto treasuries but need to interact with traditional fiat banking networks globally. [53]

The platform offers distinct modules for Accounts Payable, Payroll, Expenses, and Corporate Cards, providing one centralized dashboard to control, approve, and monitor business spend. [02]

Best for

• Web3 startups and DAOs managing global contractor payments: The platform is ideal for crypto-native teams that hold stablecoins or other cryptocurrencies and need a compliant, straightforward way to settle global fiat or crypto invoices for contractors and employees. [53]

Good fit for

• Micro companies and freelancers: The platform offers a completely free tier for freelancers and contractors to issue invoices and receive funds. [38] [56]
• Small businesses: The Basic plan supports up to 20 users and is built for small teams getting started. [39]
• SMBs scaling their operations: Pro plans accommodate scaling mid-sized businesses with advanced workflow needs. [40]

Buyers should verify first

• Tax and statutory compliance: The platform acts as a payment rail rather than a full Employer of Record (EOR). Buyers should verify their own local tax filing and employment responsibilities before relying on the software for employee management. [52]

• Request Finance Platform: A unified cloud deployment offering global payments, payroll, accounts payable, and corporate cards. It natively supports cross-border contractor payments and expense management for Web3 companies. [02]

Feature summary

Request Finance's strongest supported capabilities lie in its ability to handle multi-currency, cross-border payouts, seamlessly bridging crypto and fiat. [42] [43] Buyers should verify that their specific local tax and statutory filing needs can be managed externally, as the platform does not automate native tax filings. [52]

Request Finance uses a transparent, publicly visible pricing model consisting of flat monthly subscription tiers and specific transaction fees based on the payout method. [54] All paid plans come with a 30-day free trial. [57]

Subscription Tiers

• Free Plan: $0. For freelancers and contractors using Request to issue invoices and get paid. [56]
• Basic Plan: $250 per month (billed annually). Includes up to 5 team members, 5 virtual corporate cards, 1 virtual account, and 1 entity. Physical cards are excluded. [57]
• Pro Plan: $500 per month (billed annually). Includes up to 20 users, 20 corporate cards (including physical cards), 3 virtual accounts, advanced approval workflows, and up to 3 entities. [58]
• Premium Plan: $1,250 per month (billed annually). Includes unlimited users and cards, 5 virtual accounts, up to 10 entities, priority payout routing, and a NetSuite integration. [59]

Transaction and Payout Fees

• Stablecoin Payouts: 0% fee (free regardless of volume). [60]
• Fiat Payouts: 0.5% flat transaction fee regardless of volume. [61]
• Crypto-to-Fiat Conversions: 1.5% on the Free plan [62], 1.0% on the Basic plan [63], and 0.95% on the Pro and Premium plans. [64]
• Minimum Payout Fees: A $10 minimum fee applies to local banking rails (ACH, Wire) and their corresponding crypto-to-fiat conversions. [65] A $30 minimum fee applies to SWIFT transfers. [66]

Funding Fees

• Stablecoin top-ups: 0.10% [67]
• Fiat USD top-ups: 0.20% [68]
• International Fiat top-ups (EUR, BRL, MXN, GBP): 0.60% [69]

Request Finance supports global payroll routing and multi-currency payments, allowing companies to pay net salaries, bonuses, and token vestings to employees across the globe. [42] [43] [45] Buyers should note that while the platform acts as a highly capable payout rail, it does not function as a full-stack Employer of Record (EOR) or native tax filing service. [52]

The platform natively targets contractors and freelancers requesting payments globally. [44] The software is entirely free for freelancers and contractors to use for issuing invoices and receiving payments. [56]

Request Finance provides dedicated Customer Success Manager (CSM) support and Slack support for customers on its Premium enterprise tier. [50]

Before purchasing Request Finance, buyers should:

• Confirm exact pricing for the buyer’s employee and contractor count.
• Calculate estimated transaction volume to understand crypto-to-fiat conversion and minimum transfer fees.
• Verify local statutory tax filing responsibilities, as Request Finance is a payment rail rather than a full EOR.
• Confirm the availability of required fiat funding rails (USD, EUR, BRL, etc.).
• Validate integration depth with existing accounting systems like QuickBooks or Xero.