3S Money vs PayDo: what each publishes
As of October 17, 2026, 3S Money takes these industries by its own published rules: Marketplace; AI and SaaS, with conditions. PayDo: iGaming, with conditions; AI and SaaS, with conditions; Marketplace, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
3S Money
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United Arab Emirates
- Developed Asia-Pacific
- CIS / Central Asia / Caucasus
- Latin America
- Middle East & North Africa
- Africa
- Other
The regions its own documents name, read on October 9, 2026
PayDo
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United Arab Emirates
- United States
- Developed Asia-Pacific
- CIS / Central Asia / Caucasus
- Latin America
- Middle East & North Africa
- Africa
- Jersey, Guernsey, Isle of Man, Gibraltar
- Other offshore centres
- FATF-listed jurisdictions
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | 3S Money | PayDo |
|---|---|---|
| Marketplace | Yes | With conditions |
| iGaming | No | With conditions |
| AI and SaaS | With conditions | With conditions |
| Crypto | Sources disagree | Depends on the activity |
| Forex and CFD | No | Depends on the activity |
| Adult | No | No |
| Unlicensed financial services | No | No |
Where owners must live
3S Money
No published rule
PayDo
No published rule
Rules about countries
3S Money
We work with shareholders and directors in 190+ countries but are unable to work with businesses in the following:
Afghanistan, Bahamas, Barbados, Belarus, Botswana, Cambodia, Cuba, Eritrea, Ghana, Iran, Iraq, Jamaica, Mali, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Palestinian Territories, Panama, Russia, Somalia, South Sudan, Syria, Trinidad & Tobago, Uganda, Vanuatu, Venezuela, Yemen
PayDo
In accordance with our anti-money laundering policy and sanction screening requirements, we are unable to open accounts for companies, UBOs, and Directors from the following countries and regions.
Afghanistan, Belarus, Burundi, Central African Republic, Cuba, DR Congo, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Palestinian Territories, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, Zimbabwe
By accepting these Terms, You represent and warrant to PayDo that, after the application of reasonable due diligence and to the best of Your knowledge, at the moment of accepting these Terms, neither You nor any of Your ultimate beneficial owners (UBOs), shareholders, directors, or representatives are US Persons, politically exposed persons (PEPs), or persons subject to sanctions imposed by the United Nations Security Council (UNSC), the European Union (EU), the United States Office of Foreign Assets Control (OFAC), the United Kingdom HM Treasury, or any other governmental authority of the aforementioned jurisdictions.
Fees
3S Money
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Standard | From €500 account opening fee | €100 | · Source |
| Enterprise | From €500 account opening fee | €300 | · Source |
| Enterprise Plus | From €500 account opening fee | Bespoke | · Source |
PayDo
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business account, lowest price (shown before the calculator is filled) | Free ('Setup fee' 'Free') | EUR 100 ('Monthly account maintenance' '100 EUR') | · Source |
| Business account, middle price (pricing calculator) | EUR 300 ('Setup fee' '300 EUR') | EUR 125 ('Monthly account maintenance' '125 EUR') | · Source |
| Business account, highest price (pricing calculator) | EUR 1,500 ('Setup fee' '1500 EUR') | EUR 200 ('Monthly account maintenance' '200 EUR') | · Source |
Closing an account
3S Money
30.1. Regardless of whether you are a Business Client, Small Business Client or Consumer Client, 3S Money, has the authority to end these Terms at any time, by giving you three months’ notice (and, where required by applicable or regulation, we shall explain the reason for such ending).
PayDo
PayDo shall notify You as early as reasonably possible about its decision to terminate these Terms under clause 21.6. hereof. However, PayDo reserves the right to terminate these Terms without any prior notice if providing such notice would constitute a breach of the regulatory obligations of PayDo and/or relevant legislation.
Licence
| Licensee | 3S Money | PayDo |
|---|---|---|
| Licensee | 3S Money Club Ltd · EMI authorised by the FCA (FRN 900918) · 3S Money Luxembourg S.A. | Ecommerce Technologies LTD · electronic money institution authorised by the FCA (FRN 900916) · PAYDO EU LTD. · financial institution licensed by the Malta Financial Services Authority |
| Regulator | FCA · | FCA / Malta Financial Services Authority · |