IFX Payments vs PayDo: what each publishes
As of October 17, 2026, IFX Payments takes these industries by its own published rules: iGaming, with conditions; Forex and CFD, 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
IFX Payments
- 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
- Other
The regions its own documents name, read on October 16, 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 | IFX Payments | PayDo |
|---|---|---|
| iGaming | With conditions | With conditions |
| AI and SaaS | No published rule | With conditions |
| Forex and CFD | With conditions | Depends on the activity |
| Marketplace | No published rule | With conditions |
| Crypto | Depends on the activity | Depends on the activity |
| Adult | No published rule | No |
| Unlicensed financial services | No | No |
Where owners must live
IFX Payments
No published rule
PayDo
No published rule
Rules about countries
IFX Payments
No published rule
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
IFX Payments
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| ibanq multi-currency account (prices agreed per client) | Not published | Not published ('The Charges, as applicable from time to time, are set out in the Pricing Schedule.') | · 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
IFX Payments
11.2. Without affecting any other right or remedy available to it and subject to clauses 11.4 and 11.5, either Party may terminate this Agreement at any time without cause provided that: 11.2.1. IFX gives the Client five (5) days’ written notice of its intention to do so; or … 11.4. If the Client is a Charity, or a Micro-Entity, then without affecting any other right or remedy available to us and subject to regulation 51(B) of the PSRs: 11.4.1. IFX may terminate this Agreement at any time without cause by giving no less than ninety (90) days’ prior written notice of its intention to do so to the Client; or
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 | IFX Payments | PayDo |
|---|---|---|
| Licensee | IFX (UK) Ltd (trading as IFX Payments) · electronic money institution authorised by the FCA (FRN 900517) · IFX Payments (DIFC) Limited · authorised by the Dubai Financial Services Authority (F009827) | 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 · |