PayDo, the globally regulated financial ecosystem founded by Serhii Zakharov, has launched a suite of integrated infrastructure services designed to eliminate the fragmentation and high costs plaguing modern payment stacks. These releases - Direct SEPA & SEPA Instant access, USD SWIFT Accounts, Dedicated C2B Open Banking Collections Accounts, and Direct Visa and Mastercard Acquiring - form a cohesive ecosystem accessible via a single contract, one technical integration, and dedicated account management, empowering online businesses to manage global payments with unprecedented simplicity and control.
Online businesses in e-commerce, IT services, marketplaces, gaming, and FinTech have long grappled with managing multiple providers—each introducing intermediaries, delays, compliance burdens, and escalating costs. PayDo’s new ecosystem addresses these pain points head-on by securing direct memberships in core payment rails and building proprietary technology that integrates everything seamlessly.
As a direct SEPA member, PayDo bypasses routing intermediaries for euro transactions, enabling SEPA Instant for immediate settlements at reduced fees. USD SWIFT Accounts provide dedicated details for efficient cross-border USD flows, essential for international operations. The Dedicated C2B Open Banking Collections Accounts introduce a game-changing alternative to card networks: instant, direct bank transfers with precise fund tracking and allocation, capable of scaling to over 100,000 transactions daily.
Complementing these is PayDo’s new Direct Acquiring status as a principal Visa and Mastercard member, which eliminates intermediary layers to lower processing costs, improve authorization success, and deliver full visibility into payment flows.
This unified approach extends PayDo’s earlier signatory innovation—the non-redirect E-Wallet checkout, which offers robust friendly-fraud protection without rolling reserves—creating a complete platform that turns payment operations from a drain into a strategic edge.
Serhii Zakharov, CEO and Founder of PayDo, commented: "For years, businesses have been forced to stitch together a patchwork of payment providers, each adding cost, complexity, and delay. We believe the future is not in more fragmentation, but in intelligent unification. These launches are not just new features; they are the foundational pillars of a coherent ecosystem. We are giving our clients direct control over the core rails of finance—from SEPA and SWIFT to card acquiring and Open Banking—all through one partnership. This is how we eliminate the hidden tax of fragmentation and empower businesses to scale globally with clarity and efficiency."
With over €5 billion processed annually for more than 1,000 businesses, PayDo’s model—backed by EMI licenses in the UK and Malta, and an MSB license in Canada—demonstrates how consolidation and integration will fuel the next phase of FinTech expansion.
About PayDo
PayDo is a globally regulated financial ecosystem that provides online businesses with a unified platform for all their payment needs. By combining business accounts, acquiring, e-wallet and card solutions into a single integration, PayDo eliminates the operational burden and cost of payment fragmentation. The company holds Electronic Money Institution (EMI) licenses in the UK and Malta, and a Money Services Business (MSB) license in Canada.
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