Pay
Pay.com is an all-in-one payment orchestration and acquiring platform combining gateway, acquiring, orchestration, token vault, and analytics. Operating as a licensed acquirer in Cyprus and a US ISO, it serves global eCommerce, iGaming, SaaS, and digital media merchants across 32+ countries.
- Company typePrivate
- Founded2020
- HeadquartersNicosia, Cyprus
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Pay does
Pay.com is an all-in-one payment orchestration and acquiring platform that combines a payment gateway, acquiring, orchestration, token vault, and analytics into a single unified stack. Headquartered in Limassol, Cyprus, with a US entity in Dover, Delaware, the company operates as a licensed acquirer and principal member — PAYCOMCY LIMITED is regulated by the Central Bank of Cyprus (licence no. 115.1.2.42), while PAY.COM US, INC. acts as a registered Independent Sales Organization under sponsorship of Cross River Bank. Its platform is differentiated by an integrated intelligent routing engine, automatic fallback/recovery logic, native network tokenization, and fraud-aware orchestration with 3DS and passkey authentication, supporting a guaranteed 99.999% uptime SLA.
The product suite is structured around four modules — Payments (global acceptance and embedded checkout), Optimisation (approval-rate maximization and transaction recovery), Protection (fraud prevention and chargeback control), and Treasury (settlement reconciliation, global accounts, payouts, and FX). Pay.com generates revenue primarily through transaction-based pricing at a standard 2.85% plus $0.27 per successful transaction with no monthly, setup, or minimum fees, supplemented by add-on fees (ANI, Visa Direct, Mastercard Money Send, chargebacks, refunds) and bespoke multi-year contracts for high-volume enterprise merchants. The company serves primary verticals including iGaming & sports betting, eCommerce & retail, digital media & streaming, and SaaS, with secondary exposure to travel, crypto, and wealthtech across 32+ countries. With 101–250 employees and a stated throughput of "billions" of dollars processed monthly, Pay.com is led by co-founder/co-CEO Tom Vaknin and co-founder Teddy Sagi, alongside CFO Bar Tsemach, CBDO Gil Barel, and CTO Shahar Ziv.
Pay firmographics
Firmographics- Name
- Pay
- Legal name
- PAYCOMCY LIMITED
- Website
- https://pay.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Pay.com is an all-in-one payment orchestration and acquiring platform combining gateway, acquiring, orchestration, token vault, and analytics. Operating as a licensed acquirer in Cyprus and a US ISO, it serves global eCommerce, iGaming, SaaS, and digital media merchants across 32+ countries.
- Ownership category
- akta.pro rank
Pay industry classification
Industry- Product category
- Payment Orchestration Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Pay is headquartered
LocationHeadquarters
- HQ city
- Nicosia
- HQ country
- Cyprus
- HQ region
- Europe
Offices2 records
Markets served
Pay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Transaction Processing Fees: Pay.com charges a flat transaction fee per successful payment processed through its platform. The standard pricing is 2.85% plus $0.27 per successful transaction with no monthly fees, setup costs, or minimum fees. Additional add-on services like 3DS (included), ANI ($0.05/transaction), Visa Direct ($1.00/transaction), Mastercard Money Send ($1.00/transaction), chargebacks ($20.00 each), and refunds ($0.50 each) generate additional per-transaction revenue.
- Custom Enterprise Pricing: For high-volume enterprise merchants, Pay.com offers custom pricing tailored to processing volume through bespoke commercials and dedicated account management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard - Full access to complete payments platform with transparent flat-rate pricing |
| Transaction based/ take rate | Multi-year contract | Custom - Tailored payments plan for high-volume processing merchants |
Distribution channels5 records
Marketing channels4 records
Pay product offering
Product offeringCore offering
Pay.com provides an all-in-one payment orchestration and acquiring platform that combines payment gateway, acquiring, orchestration, token vault, and analytics into a single unified platform. Merchants integrate once to access embedded checkout, intelligent routing for higher authorization rates, automatic failover, fraud protection with 3DS and passkey authentication, and unified financial operations including reconciliation, global payouts, and FX management.
Product overview
Pay.com is an all-in-one payment orchestration and acquiring platform that combines payment gateway, acquiring, orchestration, token vault, and analytics into a single unified platform. The core product suite consists of four integrated modules: Payments (for global payment acceptance), Optimisation (for maximizing approval rates and recovering failed transactions), Protection (for fraud prevention and chargeback control), and Treasury (for global cash flow management and reconciliation). Merchants integrate once to access intelligent routing, automated failover, real-time monitoring, and centralized financial visibility across all payment operations.
Differentiator
Problem solved
Functional benefit
Products and services
- Payments Core payment acceptance module enabling merchants to capture global sales with a full suite of payment methods through dynamic, embedded checkout, including secure card data vault and automated payouts. Designed for online merchants worldwide.
- Optimisation Transaction optimization module focused on maximizing approval rates and recovering failed transactions through intelligent routing, automated failover, native network tokenization, and real-time monitoring. Targeted at merchants seeking higher authorization rates.
- Protection Fraud management and chargeback control module featuring a proactive risk engine that blocks fraud with 3DS and passkey authentication, pre-dispute collaboration, and automated workflows to resolve disputes before escalation. For merchants needing fraud and chargeback protection.
- Treasury Financial operations module providing full clarity and control over global cash flow, automating settlement reconciliation, managing global accounts and payouts, and handling foreign exchange across every transaction from a single command center. For merchants with cross-border treasury needs.
Quantifiable outcome
- 99.999% uptime SLA guaranteed for platform reliability
- +3 more outcomes
Companies that use Pay
Customer profileNamed customers1 record
Segments7 records
Ideal customer profiles2 records
Pay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature5 records
Pay partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PaysafecorePaysafe has partnered with Pay.com to become a recommended card-acquiring option on Pay.com's payment orchestration platform. The partnership integrates Paysafe's Skrill and Neteller digital wallets and PaysafeCard eCash solution, enabling online merchants to route credit and debit card payments through Paysafe while accessing alternative payment methods across Pay.com's orchestration layer. Paysafe is already processing payments for multiple Pay.com merchants with more than 20 additional merchants expected to be onboarded by end-2026. The partnership leverages Paysafe's 30 years of processing experience and $152 billion annualized transaction volume.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Pay competitors and assessment
Company assessmentOthers
- Paysafe: Global payments platform with $152B annualised volume spanning card acquiring, Skrill/Neteller wallets and PaysafeCard. Now also a partner/recommended acquirer inside Pay.com's orchestration layer, but remains a comparable acquisition-and-processing player for the same regulated merchant base.
Broad incumbents
- Stripe: Global integrated PSP/acquirer with a full payments and (more recently) orchestration stack. Competes with Pay.com for the same merchants on auth rates, gateway, and increasingly intelligent routing, but with vastly larger scale and broader geographic licensing.
- Adyen: Licensed acquirer and unified commerce platform combining gateway, acquiring and optimisation in one stack. Directly comparable to Pay.com's "licensed acquirer plus orchestration" positioning for enterprise merchants that already use Adyen for global acquiring.
- Checkout.com: Licensed acquirer with proprietary routing, tokenisation, and elevated auth optimisation aimed at enterprise and digital-goods merchants. Closest direct analog to Pay.com's gateway-plus-acquiring model, especially for digital media and SaaS volumes.
Direct peers
- Mollie: European-headquartered PSP with transparent flat-rate pricing and multi-acquirer orchestration, active in e-commerce and SaaS across 30+ countries. Comparable to Pay.com on pricing model, geographic self-serve onboarding, and SMB-to-mid-market positioning.
- Nuvei: Specialist PSP/acquirer with disproportionate exposure to iGaming, online gaming, and digital-goods verticals. Directly competes with Pay.com for the regulated iGaming & Sports Betting merchant segment where approval rate optimisation and APM breadth matter most.
- CellPoint Digital: Payment orchestration platform optimised for travel, hospitality and SaaS merchants, offering intelligent routing across acquirers and APMs. Comparable on the orchestration layer for travel/hospitality merchants that Pay.com also targets, especially in Europe.
- Primer: Payment-orchestration platform focused on unified routing, token vault, and reconciliation across multiple PSPs. Direct functional competitor to Pay.com's Optimisation and Treasury modules for merchants that want to route across acquirers rather than rely on a single licensed acquirer.
- Spreedly: Payment orchestration and vault infrastructure sold to platforms and marketplaces that need to abstract and route across multiple gateways and acquirers. Comparable in API-first design and token vault emphasis, though more focused on routing layer than on being a licensed acquirer.
Emerging players
- Gr4vy: Cloud-native payment orchestration platform providing no-code routing, vaulting, and analytics for merchants. Compares on the orchestration layer (API/headless, intelligent routing, tokenisation), though narrower in scope than Pay.com's full acquirer-plus-orchestration offering.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Pay social profiles
Digital presencePay compliance and trust
Trust signalCompliance4 records
Pay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay leadership team
Management profileNumber of profiles
Profiles5 records
Pay funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay 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 Pay
What does Pay do?
Pay.com provides an all-in-one payment orchestration and acquiring platform that combines payment gateway, acquiring, orchestration, token vault, and analytics into a single unified platform. Merchants integrate once to access embedded checkout, intelligent routing for higher authorization rates, automatic failover, fraud protection with 3DS and passkey authentication, and unified financial operations including reconciliation, global payouts, and FX management.
Is Pay a public or private company?
Pay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pay founded?
Pay was founded in 2020. It employs 101 to 250 people.
Where is Pay based?
Pay is headquartered in Nicosia, Cyprus, in the Europe region.
How does Pay make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are custom Enterprise Pricing.
Who are Pay's main competitors?
Paysafe is listed as an others. Broad incumbents are Stripe, Adyen and Checkout.com. Direct peers are Mollie, Nuvei, CellPoint Digital, Primer and Spreedly. Gr4vy is listed as an emerging player.
Does Pay have an API?
Yes. Pay.com offers an API-first architecture with headless APIs for payment processing integration. Developers can access sandbox/test environment for development and integration purposes, with guaranteed 99.999% uptime SLA. The platform supports API integration for merchants to accept online payments globally through a unified platform combining payment gateway, acquiring, orchestration, token vault, and analytics. Developer documentation is at apiref.pay.com.
What industry is Pay in?
Pay's product category is Payment Orchestration Platform. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 52232.