Company: PayDo
CEO: Serhii Zakharov
Website: https://paydo.com
About PayDo
PayDo was founded in 2017 by Serhii Zakharov, who built the company from the ground up with a single operational goal: to give online businesses a single, regulated, enterprise-grade payment infrastructure that eliminates the fragmentation that defines the market today. A typical international online business manages 10 to 20 separate payment providers simultaneously. PayDo replaces all of them with one platform covering merchant acquiring, multi-currency accounts, card issuing, SWIFT transfers, open banking collections, and crypto-to-fiat settlement.
The company is authorised and regulated by the Financial Conduct Authority in the United Kingdom, FINTRAC in Canada, and the MFSA in Malta. It holds PCI DSS Level 1 certification and, in 2026, became a direct Apple Pay and Google Pay Principal Acquirer, one of very few Electronic Money Institutions globally to hold this status. PayDo processes over 5 billion euros annually across 150 or more countries, supporting more than 350 payment methods across 25 or more industries.
Building this infrastructure required navigating challenges that most fintech companies avoid entirely. Obtaining concurrent regulatory authorisations across three jurisdictions demanded years of investment in compliance architecture, capital adequacy, and institutional relationships.
Rather than treating compliance as overhead, PayDo built it as the foundation of the business, which is why the company can reliably serve clients in iGaming, Forex, and crypto-adjacent commerce, sectors where automated risk systems at mass-market platforms produce repeated account closures and service disruptions. PayDo does not use automated rejection as a substitute for industry knowledge. It employs specialist risk teams who understand the sectors they serve, enabling informed decisions where others default to refusal.
The MENA region has been a significant part of PayDo’s growth story and a market the company is committed to serving at the highest level. The region is home to a rapidly expanding base of online merchants, digital commerce operators, and financial services businesses that require payment infrastructure capable of handling cross-border complexity at scale. PayDo has served MENA-based clients across iGaming, e-commerce, and Forex segments, providing the multi-currency account infrastructure, acquiring capability, and payment method coverage that operators in these markets require to serve their own international customer bases.
In February 2026, Serhii Zakharov received the Leadership Award at FinTech Week Dubai, recognising PayDo’s contribution to the development of global payment infrastructure and its growing profile in the Gulf region. This recognition reflects a sustained and deliberate commitment to the MENA market, not a recent pivot.
PayDo is built on the principle that the businesses most in need of reliable payment infrastructure are precisely those least well served by existing platforms. In the MENA region, as in every market PayDo operates in, the company provides the stability, industry expertise, and operational depth that established online businesses need to grow without the payment friction that holds them back.
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