The anniversary is less a celebration of age than of the kind of business PayDo chose to build. Rather than competing on the metrics easiest to copy, the company invested over nine years in direct infrastructure: licences and registrations across different jurisdictions, principal membership of the major card networks, and direct access to core payment systems. That foundation is what lets it offer enterprise-grade control with the speed digital businesses expect.

From a single product to a full ecosystem

PayDo began by pioneering one of the industry's first non-redirect e-wallets, 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. Each of those was a multi-year undertaking, and together they let PayDo route payments through its own infrastructure rather than through chains of intermediaries.

"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, reflecting on the milestone. "The quickest path is rarely the one that builds something lasting. 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. Alongside these, partnerships with a couple of well-known companies broadened the platform's currency coverage, local payment rails, and in-platform FX.

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.

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. The company sees its long investment in exactly those areas as positioning it for that next phase, and is continuing to deepen its regulated infrastructure across the markets it serves.

"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.