Arbonum vs Ontop

Arbonum handles payments to global contractors along with invoicing and compliance. Its platform offers instant contracts, multi-country payroll, multi-currency payouts, contractor KYC checks, and banking compliance. The company advertises 24/7 support from local HR and legal experts and says contractors can be onboarded in less than five minutes. The pricing page lists unlimited contractors, users, invoices, GEOs, and currencies, plus customized dashboards and reporting. Vetted tax advisors in 110+ countries can help contractors with tax questions, and Arbonum says it works with SafetyWing on health benefit programs. Its gaming offering supports USD, EUR, GBP, RUB, ARS, BRL, INR, PHP, IDR, and USDC. The platform says each payout receives automatic OFAC, UN, and EU sanctions checks; a payout can include work-product assignment, and contractors sign a mutual NDA. The iPhone and iPad app supports invoice generation, receiving payment, withdrawals, file uploads, and tax reports. Pricing is on request; the listed Pay-as-you-go terms start at $5, paid once, billed from 5.0% per payout, all-in and quoted by corridor, with no per-seat charge, setup fee, or minimums.

Ontop serves companies hiring and paying contractors internationally, as well as freelancers receiving money from global clients. For companies, it provides contractor onboarding and management, automated contracts, compliance management, tax document support, and global USD payments. Its contractor service covers 150+ countries, subject to conditions and worker counts. QuickBooks can sync invoices, and BambooHR can transfer new-hire information. Freelancers can use the Global Account to receive, spend, and grow money, create payment requests, and let clients pay by card, bank transfer, or wallet without an Ontop account. The account supports transfers to 100+ countries, including Binance, Wise, and Revolut, and describes a Visa Platinum card and bill payments to 5,000+ providers in Mexico, Colombia, Argentina, Chile, and Peru. Freelancer accounts are free to create, with no setup or admin fees; payment pricing appears before a request is sent. Contractor of record starts at $49 a month. Ontop lists Android, iOS, and web platforms.