Paytiko
Paytiko is a payment orchestration platform that connects online merchants to 500+ payment providers and 250+ card processors across 170 countries, serving eCommerce businesses, trading brokers, and retailers via a single API and unified dashboard.
- Company typePrivate
- Founded2021
- HeadquartersSofia, Bulgaria
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Paytiko does
Paytiko is a privately held payment orchestration software provider founded in 2021 and headquartered in Larnaca, Cyprus, with a technology operating entity in Sofia, Bulgaria (Tech Solutions EOOD) and a regional headquarters in Dubai, UAE (Paytiko FZCO). The company builds a unified payment management platform that connects merchants to a network of more than 500 payment partners and 250 credit card processors across 170 countries and 25 currencies, consolidating Pay Ins, Pay Outs, Reconciliation, Dashboard, Smart Routing, Fee Calculation, Sticky PSP, Pay By Link, and sub-merchant management behind a single API. The platform is PCI DSS certified, supports 3DS Secure and two-factor authentication, and distributes through native plugins for Shopify, WooCommerce, OpenCart, BigCommerce, Prestashop, and SquareUP, alongside direct enterprise sales and integration partnerships with broker CRMs and trading-tech vendors.
The platform targets online businesses across three primary segments: general eCommerce merchants (its core), trading brokers and prop firms (extended via Markets CRM, Match-Trade Technologies, FPFX Tech, and IC Funded), and retail commerce (positioned around AI-driven payment authorization and fraud detection). Paytiko monetizes primarily through transaction fees on payment orchestration services, with quote-based enterprise subscriptions and undisclosed multi-year contract structures — no public pricing tiers are offered and customers are routed through an "Apply Now" workflow. Marketing runs through a multi-channel mix spanning LinkedIn, Facebook, Instagram, X, YouTube, WhatsApp, fintech industry events, and a developer-facing API documentation portal.
Visible enterprise references include AG Luxury Yachts (luxury yachts), Bullionz (precious metals trading), Webes.ai (eCommerce technology), and Markets CRM (broker CRM solutions). Reported scale metrics include 15K+ connected merchants, 500+ payment partners, 250+ credit card processors, and 25+ accepted currencies. The company is founder-led with no disclosed venture capital funding, institutional investors, or parent company relationships, and it maintains active operations across all three jurisdictions with no announced M&A or restructuring events.
Paytiko firmographics
Firmographics- Name
- Paytiko
- Legal name
- PAYTIKO LTD
- Website
- https://paytiko.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Paytiko is a payment orchestration platform that connects online merchants to 500+ payment providers and 250+ card processors across 170 countries, serving eCommerce businesses, trading brokers, and retailers via a single API and unified dashboard.
- Ownership category
- akta.pro rank
Paytiko industry classification
Industry- Product category
- Payment Orchestration Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Payment Orchestration Platforms (FSAGABAA)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Paytiko is headquartered
LocationHeadquarters
- HQ city
- Sofia
- HQ country
- Bulgaria
- HQ region
- Europe
Offices3 records
Markets served
Paytiko business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Orchestration Services: Paytiko charges merchants for payment orchestration services, integrating 500+ payment providers through a unified platform. The company earns revenue from transaction processing fees and service integration.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise subscription with custom pricing |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels8 records
Paytiko product offering
Product offeringCore offering
Paytiko is a payment orchestration software platform that integrates 500+ global payment providers and acquirers with transaction administration features, providing online merchants with a unified payment communication, control, and management interface. The platform handles incoming payments (Pay Ins), outgoing payments and withdrawals (Pay Outs), reconciliation across providers, smart routing of declined card transactions to fallback processors, and customizable dashboards for real-time financial reporting, operating across 170 countries and 25+ currencies.
Product overview
Paytiko is a unified payment orchestration platform offering a core platform with integrated service modules. The platform provides Pay Ins for handling incoming transactions and Pay Outs for processing withdrawals, unified through a central Dashboard that consolidates all payment management operations. The ecosystem includes additional modules such as Reconciliation for transaction matching, Fee Calculation for provider cost management, Smart Routing for optimizing transaction approval rates, Pay By Link for invoice-based payments, Sticky PSP for customer preference retention, and Full & Partial Refunds for streamlined returns processing. Together, these components enable merchants to orchestrate 500+ payment partners through a single unified interface.
Differentiator
Problem solved
Functional benefit
Products and services
- Paytiko Platform
Quantifiable outcome
- 20% increase in customer retention when using Recurring Payments feature
Companies that use Paytiko
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Paytiko technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature11 records
Paytiko partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Markets CRMcoreIntegration partnership enabling brokers to manage deposits, withdrawals, and multiple payment providers through a single unified payment orchestration layer. Consolidates PSP integrations and routing logic, reducing fragmented integrations and providing operational teams with clearer oversight of financial processes.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Paytiko competitors and assessment
Company assessmentDirect peers
- ProcessOut: ProcessOut offers payment orchestration, smart routing, and payment analytics for online merchants, with a similar product positioning to Paytiko in optimizing transaction success and provider management.
- Primer: Primer is a leading payment orchestration platform offering unified API, smart routing, and reconciliation across 300+ PSPs. Directly comparable to Paytiko in product, customer profile (online merchants), and go-to-market.
- Gr4vy: Gr4vy offers a cloud-based payment orchestration platform with no-code routing rules, smart retries, and unified reporting. Directly comparable to Paytiko in targeting enterprise and mid-market merchants seeking multi-PSP orchestration.
- Cellpoint Digital: Cellpoint Digital provides payment orchestration and digital payment solutions for merchants and travel platforms globally. Comparable to Paytiko in serving online businesses with multi-PSP integration and routing needs.
- Spreedly: Spreedly provides payment orchestration and vaulting services enabling merchants to connect to multiple payment gateways via a single integration. Closely comparable to Paytiko in orchestration and reconciliation capabilities for global online businesses.
- IXOPAY: IXOPAY is a payment orchestration platform offering smart routing, tokenization, and reconciliation across acquirers and PSPs. Directly comparable to Paytiko's core platform and target customer base of online merchants.
- Akurateco: Akurateco is a white-label payment orchestration and gateway platform enabling PSPs, ISOs, and merchants to connect to multiple acquirers. Highly comparable to Paytiko's orchestration and sub-merchant (PayFac) capabilities.
Others
- Adyen: Adyen is a global payment platform with built-in multi-acquirer processing and optimization logic. Comparable to Paytiko at the level of multi-PSP payment processing, though Adyen operates its own acquiring infrastructure rather than orchestrating third-party PSPs.
Broad incumbents
- Stripe: Stripe is a global payments incumbent that has progressively layered in orchestration features (Smart Retries, Workflows, multiple acquiring partners). Comparable to Paytiko as a global payment platform serving online merchants, though it spans far broader functionality.
Emerging players
- Solidgate: Solidgate is an emerging payment orchestration and processing provider for online businesses, with overlap in digital merchant orchestration and recurring billing use cases comparable to Paytiko's recurring payments feature.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Paytiko social profiles
Digital presencePaytiko compliance and trust
Trust signalCompliance1 record
Paytiko financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paytiko leadership team
Management profileNumber of profiles
Paytiko funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paytiko M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Paytiko
What does Paytiko do?
Paytiko is a payment orchestration software platform that integrates 500+ global payment providers and acquirers with transaction administration features, providing online merchants with a unified payment communication, control, and management interface. The platform handles incoming payments (Pay Ins), outgoing payments and withdrawals (Pay Outs), reconciliation across providers, smart routing of declined card transactions to fallback processors, and customizable dashboards for real-time financial reporting, operating across 170 countries and 25+ currencies.
Is Paytiko a public or private company?
Paytiko is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Paytiko founded?
Paytiko was founded in 2021. It employs 51 to 100 people.
Where is Paytiko based?
Paytiko is headquartered in Sofia, Bulgaria, in the Europe region.
How does Paytiko make money?
One revenue line is on record: payment Orchestration Services.
Who are Paytiko's main competitors?
Direct peers on record are ProcessOut, Primer, Gr4vy, Cellpoint Digital, Spreedly, IXOPAY and Akurateco. Adyen is listed as an others. Stripe is listed as a broad incumbent. Solidgate is listed as an emerging player.
Does Paytiko have an API?
Yes. Paytiko offers an API that allows developers to integrate payment orchestration capabilities. The platform supports a single API protocol that establishes the technological foundation between Paytiko's platform, merchant's business, and numerous payment service providers for any transaction type. Developer documentation is at www.paytiko.com/en/api-request.
What industry is Paytiko in?
Paytiko's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 522320 and its SIC code is 7372.