Payop

What Payop does

Payop (legally Transferop Payment Gateway Ltd., Vancouver, Canada) is a privately held payment service provider founded in 2016 and operating across 170+ countries. The company offers a unified payment platform built around a core Merchant Services toolkit — checkout processing, a real-time transaction dashboard, automated mass payouts, fraud protection, and multi-currency settlement — extended by a Pay by Bank open-banking product (PSD2/SCA-compliant across Europe and the UK) and a C2B Collections Account built with sister-company PayDo for high-volume Open Banking reconciliation of 100,000+ daily transactions. Payop packages the core infrastructure into four vertical solutions: Gaming, Digital Goods, E-Commerce, and iGaming, each addressing pain points such as chargebacks, blocked accounts, payout delays, microtransaction handling, and cross-border conversion.

The business runs a transaction-fee revenue model on a quote-based pricing structure tailored to each merchant's industry and risk profile, with no public tiers. Onboarding is product-led: merchants complete a short pre-check form, receive a custom offer, pass verification, and go live via API, plugins, or direct support, with the company claiming 95% of merchants onboarded in under two business days. The platform supports 450+ payment methods through a single integration. Compliance posture includes PCI DSS, GDPR, PSD2/SCA, and FINTRAC Money Service Business registration (M22769088). Payop reports serving 10,000+ digital businesses and is positioned, following a December 2025 gaming-ecosystem rebrand, as a player-first PSP with deep specialization in the gaming and digital verticals. The company is founder-owned (Serhii Zakharov), bootstrapped with no disclosed institutional funding, and operates with 11-50 employees.

Name

Payop

Legal name

Transferop Payment Gateway Ltd.

Website

https://payop.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Payop is a Vancouver-based payment service provider offering a unified platform with 450+ payment methods across 170+ countries, focused on gaming, digital goods, e-commerce, and iGaming merchants through transaction-fee pricing and open-banking rails.

Ownership category

akta.pro rank

Product category

Payment Gateway Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Online payment processing
• Payment gateway services
• Merchant payment solutions
• Open banking payments
• Global payment methods

Headquarters

HQ city

Vancouver

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Infrastructure, Personnel, Marketing or Sales

Revenue model

1. Payment Processing Services: Payop operates as a payment aggregator/processor, earning revenue through transaction processing fees charged to merchants. The platform offers various payment methods including local and international payment options, with fees varying by method and industry.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Payop is a global payment gateway and aggregator that provides merchants with access to 450+ payment methods across 170+ countries through a single integration. Its core offering combines checkout processing, real-time transaction dashboards, automated mass payouts, multi-currency handling, and big-data fraud protection, complemented by open banking "Pay by bank" functionality and vertical-specific solutions for gaming, digital goods, e-commerce, and iGaming.

Product overview

Payop is a global payment service provider offering a unified payment platform with a modular architecture. The core product, Merchant Services, provides checkout processing, a real-time dashboard, mass payouts, fraud protection, and multi-currency support. This is complemented by Pay by bank, an open banking solution offering direct bank transfers with real-time confirmation and lower fees. The platform also offers industry-specific solutions (Gaming, Digital Goods, E-Commerce, iGaming) built on top of the core infrastructure. For high-volume merchants, the C2B Collections Account handles operational bottlenecks for Open Banking transactions. Payop serves 10,000+ digital businesses with coverage in over 170 countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Services A comprehensive payment toolkit for digital businesses providing checkout processing, a real-time dashboard for transaction tracking and analytics, automated mass payouts, advanced fraud protection, and multi-currency support with transparent conversion. Designed for online merchants operating globally.
• Pay by bank Open banking payment solution that lets customers pay directly from their bank accounts with real-time confirmation, instant transfers, lower processing fees by bypassing card networks, chargeback resistance, and PSD2 compliance with strong customer authentication. Available for merchants in Europe and the UK.
• Payop for Gaming Vertical-specific payment solution for video games and gaming services enabling seamless player payments worldwide without chargebacks, blocked accounts, or payout delays. Supports thousands of microtransactions daily with a 20% increase in approval rates for gaming merchants.
• Payop for Digital Goods Payment solution for selling digital products including gaming items, software, gift cards, and e-books globally through a single integration, with secure, instant payments. Designed for sellers of apps, software, and digital media.
• Payop for E-Commerce Payment solution for online marketplaces providing direct-to-bank payments and lower fees to boost conversion rates for online stores. Customers report a 40% reduction in payment-related support tickets after switching to Payop.
• Payop for iGaming Payment solution for online casinos and betting operators enabling fast deposits and instant payouts with full regulatory compliance and security, including risk management features designed to reduce fraud attempts without blocking legitimate users.

Quantifiable outcome

• 20% increase in approval rates for gaming merchants handling thousands of microtransactions daily
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• WhiteTechcoreTechnology or Integration · 14 January 2026WhiteTech, a FinTech development company founded by Serhii Zakharov, engineered a solution for Payop providing API confirmation of ultimate payment receipt. This innovation effectively eliminated friendly fraud in Open Banking transactions and subsequently became an industry standard for the payment industry.
• PayDocoreTechnology or Integration · 14 January 2026PayDo, also founded by Serhii Zakharov (founder of Payop), developed a dedicated C2B Collections Account to solve operational bottlenecks of handling high-volume Open Banking payments. This solution enables merchants to process over 100,000 daily transactions with automatic reconciliation.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• dLocal: Cross-border payment processor specializing in emerging markets and digital commerce. Comparable to Payop in serving digital-first merchants with broad local payment method coverage across LATAM, APAC, and EMEA.
• Paddle: Merchant of record focused on SaaS and digital goods globally. Highly comparable to Payop in target customer base (digital product sellers), vertical specialization, and global payment method aggregation model.
• Checkout.com: Global payment processor offering unified payment processing across digital goods, gaming, and e-commerce. Competes head-to-head with Payop for enterprise and mid-market merchants seeking broad method coverage.
• Mollie: European payment gateway offering multiple payment methods through single integration. Comparable in PLG-led SMB acquisition, PSD2/open banking focus, and multi-method aggregation model.
• 2Checkout (now Verifone): Digital commerce monetization platform serving SaaS, gaming, and digital goods merchants globally. Direct overlap with Payop's Digital Goods and Gaming solutions in cross-border payments.
• Payoneer: Cross-border B2B payment platform with mass payouts and multi-currency support. Comparable in serving digital businesses needing global payouts and multi-currency settlement.
• Nuvei: Global payment processor with deep iGaming specialization and 450+ payment methods. Closest direct competitor to Payop in iGaming/gaming verticals with similar geographic breadth.

Broad incumbents

• Stripe: Largest global payment infrastructure platform serving all merchant segments. Competes broadly with Payop in card processing, payouts, and developer-led integration, though not vertical-specialized in iGaming or gaming.
• Adyen: Enterprise-grade global payment platform with unified commerce offering. Comparable in global reach and multi-method processing, but focuses on large enterprise rather than SMB self-serve.

Emerging players

• TrueLayer: European open banking API platform enabling Pay-by-Bank flows. Directly comparable to Payop's open banking stack and represents both a partner opportunity and a competitive threat as A2A commoditizes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• GitHubgithub.com/Payop/payop-api-doc
• Xx.com/payopcom
• Facebookfacebook.com/payopcom

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payop