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PayDo marks nine years as a unified payment ecosystem
Thursday, July 02, 2026 — 17:39:18 (UTC)
PayDo Marks Nine Years as a Unified Payment Ecosystem
PayDo celebrates its ninth anniversary as a full-stack payment infrastructure provider serving businesses across more than 150 countries. The milestone caps a period of sustained expansion in direct infrastructure, regulatory coverage, and product breadth.
Saffron Walden, Essex, UK — PayDo, the unified payment ecosystem for online businesses, marks nine years of operation this week. What began as a single innovative product has become an infrastructure platform that consolidates acquiring, multi-currency accounts, Open Banking collections, payouts, and cross-border transfers under one contract and one integration, now processing over €5 billion annually.
The anniversary reflects PayDo’s long-term focus on building more of the payment stack directly. Over nine years, the company has invested in regulated entities, card network membership and access to core payment systems, giving online businesses a single platform through which to manage payment acceptance, accounts, transfers and settlement across markets.
From a single product to a full ecosystem
PayDo began by building an early non-redirect e-wallet, removing a point of friction that competitors had accepted as standard. From there it expanded deliberately, adding capability where it saw businesses being forced to stitch together multiple providers.
Today the platform delivers its services through three regulated group entities: Ecommerce Technologies Ltd, authorised and regulated as an Electronic Money Institution in the UK; PayDo EU Ltd, authorised and regulated in Malta; and PayDo Canada Ltd, registered as a Money Services Business with FINTRAC in Canada. PayDo is also a principal member of Visa and Mastercard and a direct member of SWIFT and SEPA. Together, these capabilities support PayDo’s direct infrastructure model and reduce the need for businesses to rely on multiple disconnected providers.
"If nine years have taught us anything, it's that doing substantial work well, and doing it early, pays off. Everything we've built rests on that principle, and that's one of our real strengths", - said Serhii Zakharov, CEO and founder of PayDo. "We chose to invest in direct infrastructure, because that is what genuinely removes cost and complexity for our clients. The product we have today is the result of that choice, compounded year after year".
A year of accelerated expansion
The ninth year has been among the company's most active. PayDo launched direct acquiring for Apple Pay and Google Pay as a principal acquirer, introduced customer-to-business settlement accounts to speed up Open Banking collections, and expanded its payment capabilities across new currencies and settlement methods. The company also added stablecoin pay-in, payout and checkout capabilities, enabling businesses to access fiat-to-stablecoin conversion without directly handling crypto. The common thread across every release is the same one that has guided the company since its founding: identify a specific source of cost, delay, or fragmentation in the payment stack, and remove it. For merchants and online platforms, that means fewer provider relationships, simpler reconciliation and greater control over how funds are accepted, moved and settled.
Building toward the next phase
PayDo enters its tenth year as the payments market shifts toward a more institutional model, where authorisation, compliance, and direct infrastructure increasingly define the most trusted providers. With businesses demanding faster settlement, broader payment choice and stronger regulatory assurance, PayDo is continuing to deepen the infrastructure that allows clients to manage more of their payments through one ecosystem.
"The goal has never changed", Zakharov added. "We want to empower modern digital businesses to manage all their payments in one place, without the fragmentation, the hidden costs, or the operational drag of stitching together a dozen providers. That is what real efficiency looks like, and it is what we have been building toward".
About PayDo
PayDo is a unified payment ecosystem for online businesses, providing multi-currency accounts, international transfers, merchant acquiring, card issuing, and Open Banking collections through a single contract and integration. The platform processes over €5 billion annually. It is a principal member of Visa and Mastercard and a direct member of SWIFT and SEPA.
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Source: Company press release. 
Categories: Announcement
