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E-Money Institution Verified

PayDo

All payment solutions in one place

4.0(185 reviews)
🇬🇧United KingdomFinancial Conduct Authority (FCA)Est. 2017
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Overview

PayDo is a UK-regulated EMI providing multi-currency IBAN accounts, virtual IBANs, payment cards, and merchant services. It serves businesses across Europe and beyond, with a focus on providing flexible payment infrastructure for growing companies.

Type
E-Money Institution
Country
United Kingdom
Regulator
Financial Conduct Authority (FCA)
Founded
2017

Best for

European businesseseCommerce merchantsBusinesses needing virtual IBANsSMEs

Advantages

  • FCA regulated
  • Virtual IBAN accounts
  • Multiple payment methods
  • Non-resident businesses accepted
  • Merchant services available

Limitations

  • Monthly fee required
  • No mobile app
  • Limited currency options vs competitors
  • Slower customer support

Features & Capabilities

Available

SEPA Access
SWIFT Transfers
Card Issuance
Virtual IBAN
Multi-Currency
Remote Onboarding
API Access
Non-Residents OK

Not available / Unknown

Dedicated IBAN
Mobile App
Crypto-Friendly
Expense Management
Mass Payouts

IBAN Type

Virtual IBAN

Supported Currencies

EURUSDGBPPLNCZKHUFRON

Accepted Industries

ecommerceigamingsaasimport-exportstartups-smes
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Regulation & Licensing

RegulatorFinancial Conduct Authority (FCA)
Provider TypeE-Money Institution
Country of RegistrationUnited Kingdom
Founded2017
Regulatory information is sourced from public registries (EBA EUCLID, FCA, Bank of Lithuania). Always verify current authorization status with the relevant regulator.

Coverage

PayDo operates in 3 countries.

GBEUUS

Pricing

Monthly Fee€25.00
FX Markup0.50% – 1.50%
Monthly fee from £25. Virtual IBAN accounts. SEPA and SWIFT transfers available.
Pricing is sourced from public data and may not reflect current rates. Always verify directly with the provider.

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