Authenticate with the Papaya Global API to obtain a 24-hour Bearer token
Retrieve the list of workers for the payroll cycle and their expected pay amounts in local currencies via GET /api/v1/workers
After the Papaya payroll cycle closes, retrieve payroll records via GET /api/v1/payroll for each worker to confirm gross and net amounts
Initiate the funding transfer from your source currency account according to Papaya's funding instructions — Papaya handles FX conversion and disburses in local employee currency
Monitor payment status via the Papaya API or webhooks until each worker's payment status is confirmed as disbursed
Reconcile disbursed amounts against payroll records and flag discrepancies for finance review before closing the pay period
Known gotchas
Papaya Global handles FX conversion internally; do not attempt to pre-convert funds to local currency before funding — send in your source currency and let Papaya apply the rate
Funding cutoff deadlines vary by country; late funding for some markets may push disbursement to the following business day — obtain the country-specific funding deadline calendar from Papaya before automating funding flows
The Papaya API token is valid for 24 hours — long-running batch reconciliation jobs should refresh the token mid-run if the batch spans the expiry window
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