PayOak Business is a business account that gives you a permanent PayOak payment address for receiving escrow payments from customers. Instead of creating a new transaction link every time you make a sale, you simply share your branded PayOak Business link. Customers pay through the same trusted address every time, while PayOak securely holds the payment in escrow until the transaction is successfully completed.

Anywhere your customers can reach you. Add it to your Instagram or TikTok bio, WhatsApp Business profile, online store, invoices, email signature, business cards, product packaging, or simply send it in a chat. Wherever customers discover your business, they can pay through the same trusted PayOak Business address.

No. Customers can start a transaction through your PayOak Business address without already having a PayOak account. The experience is designed to be quick, simple and familiar.

PayOak Business is available to verified Tier 2 and Tier 3 business accounts. If you’re new to PayOak, simply choose Business Account during sign-up. If you already have a Personal account, you can switch to a Business account from your Account Settings.

Your PayOak Business address is generated from your business name to ensure consistency and trust.

With a regular PayOak transaction, you create a new payment link for every sale. With PayOak Business, you receive a reusable business address (for example, lumi-studios.payoak.net) that you can share anywhere—on social media, invoices, or directly with customers. Every payment made through your business address still benefits from PayOak’s escrow protection and transaction tracking.

Yes. Your PayOak Business address is permanent and can be reused for every transaction. There’s no need to generate a new payment link each time you make a sale.

Bank transfers rely entirely on trust between you and your customer. PayOak Business gives customers something much stronger: escrow protection. Their payment is securely held by PayOak until the transaction is completed according to the agreed terms. That extra layer of protection helps buyers feel confident paying before delivery—making it easier for legitimate businesses to close more sales.

Yes. The moment a customer pays through your PayOak Business address, we’ll notify you by email and push notification. Simply open the PayOak app to follow the transaction as it progresses. From payment confirmation to delivery and final completion, you’ll receive real-time updates every step of the way—so you’re never left wondering what’s happening.

If a buyer or seller believes the agreed terms haven’t been met, PayOak’s dispute resolution process helps both parties reach a fair outcome. If necessary, PayOak mediates before any funds are released.