PayDo
PayDo: industries it takes by its own published rules: iGaming, with conditions; AI and SaaS, with conditions; Marketplace, with conditions. Depends on the activity: Crypto; Forex and CFD. Last verified October 17, 2026.
- Ecommerce Technologies LTD · electronic money institution authorised by the FCA (FRN 900916) · PAYDO EU LTD. · financial institution licensed by the Malta Financial Services Authority
- FCA / Malta Financial Services Authority ·
Where it takes companies from
- 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
Products it publishes
International payments and FXSays it offers this
Cross-border and 3rd party payments to/from any country (170+ countries) via SWIFT, SEPA, SEPA Instant, Faster Payments, and other global payment schemes
Company cardsSays it offers this
Accepting card paymentsSays it offers this
Bulk payoutsSays it offers this
With PayDo’s mass payment API, you can automate bulk payouts to freelancers, clients, affiliates, or players without manual processing.
Does not say it offers: Virtual accounts for your customers, Crypto on- and off-ramp, Safeguarding account, Client money account, Escrow
As its own pages say it, each quote with the date we read it. A product it does not mention is never shown as one it does not offer.
Currencies it holds
Holds EURa balance; account details of its own on the local payment system
A multicurrency IBAN (International Bank Account Number) is a single account number that allows you to receive, hold, and send funds in different currencies—such as EUR, USD, and GBP
Most payments are made via dedicated IBANs in the client’s name. ... EUR ... Euro ... Cross-border, SEPA, SEPA Instant
Holds GBPa balance; account details of its own on the local payment system
A multicurrency IBAN (International Bank Account Number) is a single account number that allows you to receive, hold, and send funds in different currencies—such as EUR, USD, and GBP
Most payments are made via dedicated IBANs in the client’s name. ... GBP ... British Pounds ... Cross-border, Faster Payments
UK Sort Code and Account Number
Holds USDa balance; account details of its own for SWIFT payments
A multicurrency IBAN (International Bank Account Number) is a single account number that allows you to receive, hold, and send funds in different currencies—such as EUR, USD, and GBP
Most payments are made via dedicated IBANs in the client’s name. ... USD ... US Dollar ... Cross-border
Holds CHFa balance; account details of its own for SWIFT payments
Most payments are made via dedicated IBANs in the client’s name. ... CHF ... Swiss Franc ... Cross-border
Holds CADa balance; account details of its own for SWIFT payments
Most payments are made via dedicated IBANs in the client’s name. ... CAD ... Canadian Dollar ... Cross-border
Holds AUDa balance; account details of its own for SWIFT payments
Most payments are made via dedicated IBANs in the client’s name. ... AUD ... Australian Dollar ... Cross-border
Does not say it holds: SGD, HKD
Only currencies its own pages name, each quote with the date we read it. A currency it does not mention is never shown as one it does not hold.
Policy by industry
| Industry | Status | Checked |
|---|---|---|
| iGaming | With conditions | |
| AI and SaaS | With conditions | |
| Marketplace | With conditions | |
| Crypto | Depends on the activity | |
| Forex and CFD | Depends on the activity | |
| Adult | No | |
| Unlicensed financial services | No |
Has this rule changed? Tell us
Fees
| 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
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.
If You remain dissatisfied with Our final response, and You are an eligible complainant, You may refer Your complaint to the Financial Ombudsman Service (FOS) or, alternatively, bring proceedings before the competent courts of England and Wales.
Account closed or frozen? What PayDo’s terms say
Rules about countries
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.
What we read
- Acceptable use and prohibited activities
- Read · paydo.com/terms-of-use-uk · paydo.com/terms-of-use-malta · paydo.com/terms-of-use-canada
- Help pages on particular industries
- Read · paydo.com/industries/igaming · paydo.com/industries/forex · paydo.com/business/pricing-iban · paydo.com/business · paydo.com/business/iban
- Countries it takes
- Searched, none published
- Countries it refuses
- Read · paydo.com/prohibited-jurisdictions · paydo.com/terms-of-use-uk
- Rules on owners and directors
- Read · paydo.com/prohibited-jurisdictions · paydo.com/terms-of-use-uk · paydo.com/business
- Prices
- Read · paydo.com/business/pricing-iban
- Terms on closing accounts
- Read · paydo.com/terms-of-use-uk · paydo.com/terms-of-use-malta
- Complaints
- Read · paydo.com/terms-of-use-uk · paydo.com/terms-of-use-malta · paydo.com/complaints-handling-policy-uk
- Licence register
- Read · register.fca.org.uk/s/firm · fsr.mfsa.mt/Licences/ViewLicence