Paybyrd
Paybyrd is a Dutch payment orchestration platform that uses multi-acquiring smart routing to lift authorization rates for merchants across e-commerce, POS, mobile, and kiosk channels in 40+ countries. It serves enterprise and SMB merchants in airlines, retail, hospitality, e-commerce, and transport on a 1.11% + €0.05 transaction-fee model.
- Company typePrivate
- Founded2018
- HeadquartersDublin, Ireland
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Paybyrd does
Paybyrd B.V. is a Dutch-headquartered (Amsterdam) payment orchestration platform that operates across Ireland, Portugal, and the Netherlands and serves merchants in more than 40 countries. The company routes transactions through multiple acquirers — including Bambora/Worldline, Worldline, Rapyd, American Express, PPRO, Elavon, Cielo, MANGOPAY, CURO Payments, PagBrasil, and PayPay — using smart-routing logic that combines 3-D Secure 2 step-up, PAN tokenization at ingress, and a Retry Engine that recovers failed authorizations on alternate acquirers. The platform is delivered via REST APIs with SDKs in JavaScript, Python, PHP, and cURL, pre-built plugins for WooCommerce, Magento, PrestaShop, Shopify, and connectors into SAP, Oracle, Host PMS, Moloni, and Zapier, and is hosted on Microsoft Azure (EU West) with Cloudflare edge and Datadog observability.
The product surface spans omnichannel orchestration (e-commerce, POS terminals, mobile, kiosk), Antifraud with real-time scoring and anomaly detection, Customer Intelligence that auto-identifies returning shoppers without loyalty enrollment, a 47-point Migration Playbook for processor switching, and an early-access AI Operations Suite (Chat Commerce, Payment Assistant, Intelligent Search). Paybyrd charges a transparent 1.11% + €0.05 per-transaction fee with no setup or monthly fees and T+1 payout, markets 99.999% uptime, and is certified to PCI DSS Level 1 with ISO/IEC 27001 and SOC 2 Type II in progress. Customers include TAP Air Portugal, Vila Galé, KuantoKusta, Wink, André Óticas, Kabuki, Rede Expressos, Onyria Resorts, and SkinBoutique by LMR across airlines, retail, hospitality, e-commerce, restaurants, transport, and luxury verticals.
The company is privately held, employs 11–50 people, and was founded in 2018 with founder Django A. Lor and CTO Luiz Fernando Dias Rezende. Distribution blends a product-led self-serve path (sign-up to live in under 4 hours, 30-day money-back guarantee) with senior-engineer-led enterprise demos targeting merchants processing €500K+ annually.
Paybyrd firmographics
Firmographics- Name
- Paybyrd
- Legal name
- Paybyrd B.V.
- Website
- https://paybyrd.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Paybyrd is a Dutch payment orchestration platform that uses multi-acquiring smart routing to lift authorization rates for merchants across e-commerce, POS, mobile, and kiosk channels in 40+ countries. It serves enterprise and SMB merchants in airlines, retail, hospitality, e-commerce, and transport on a 1.11% + €0.05 transaction-fee model.
- Ownership category
- akta.pro rank
Paybyrd 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)
- SIC
- Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Developer Tooling & SDKs for Payments (Gateway Tooling) (FSAMACAL), Request-to-Pay (R2P) & Pay Links (FSAMAFAE)
Keywords
Where Paybyrd is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices2 records
Markets served
Paybyrd business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Supply Chain
Revenue model
- Transaction Processing Fees: Paybyrd charges transaction fees on successful payments processed through the platform. Fee structure is 1.11% + €0.05 per transaction with no setup fees, no monthly fees, and T+1 payout. Save up to 60% compared to competitor rates of 2.5-2.9%.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay-as-you-go Transaction Fee Model |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Paybyrd product offering
Product offeringCore offering
Paybyrd is a multi-acquiring payment orchestration platform that connects merchants to multiple acquirers through a single integration, providing smart routing across payment processors to maximize approval rates, built-in 3DS2 authentication, PAN tokenization, and an automated retry engine. The platform supports e-commerce, in-store POS terminals, mobile, and kiosk channels, with 20+ payment methods across 192+ currencies and 40+ countries, plus white-label checkout customization and customer intelligence.
Product overview
Paybyrd is a merchant-first payment orchestration platform offering a unified stack of modules across omnichannel payments, e-commerce, POS terminals, antifraud, customer intelligence, and payment methods. The core platform provides multi-acquiring smart routing, 3DS2 authentication, and 192+ currency settlement across e-commerce, POS, mobile, and kiosk channels, all managed from a single real-time dashboard. Additional modules include the Retry Engine for automated transaction recovery, Business Intelligence for customer insights, and an early-access AI Operations Suite comprising Chat Commerce, Payment Assistant, and Intelligent Search. The platform integrates natively with major e-commerce platforms (WooCommerce, Magento, PrestaShop, Shopify), enterprise ERPs (SAP, Oracle), hospitality PMS (Host PMS), and offers a full REST API with webhooks for custom integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- Paybyrd Platform Omnichannel payment orchestration platform connecting merchants to multiple acquirers with smart routing, 3DS2 authentication, tokenization, and multi-currency settlement across e-commerce, POS, mobile, and kiosk channels, managed from a single real-time dashboard.
- Omnichannel Solution
Quantifiable outcome
- Approval rate improvement of +4.86% vs industry average
- +7 more outcomes
Companies that use Paybyrd
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles3 records
Paybyrd technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability6 records
Feature7 records
Paybyrd partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and strategic.
- Bambora Group AB (Worldline)coreLicensed acquirer for POS and Ecom transactions under MasterCard, Visa, China Union Pay and Diners brands. Offices at Vasagatan 16, SE-111 20, Stockholm, Sweden.
- Worldline S.A.coreEuropean payment services provider processing transactions under MasterCard, Visa, China Union Pay and Diners. Located at Tour Voltaire, 1 Place des Degrés, CS 81162, 92059 Paris la Défense Cedex.
- Rapyd Europe HFcoreFinancial institution partner for payment processing. Located at 33M4+3M2, Dalshraun, 220 Hafnarfjordur, Iceland.
- American Express Travel Related Services / American Express Payment Services LimitedcoreProcessor for American Express brand transactions. Located at Hoogoorddreef 15, 1101 BA, Amsterdam-Zuidoost, Netherlands.
- PPRO Payment ServicescorePayment services provider partner for alternative payment methods. Located at 23 Hanover Square, London, W1S 1JB, United Kingdom.
- Elavon Financial ServicescoreAcquiring bank partner for payment processing. Located at Level 15, CityPoint, One Ropemaker St, London EC2V 9AW, United Kingdom.
- Cielo S.A.coreBrazilian payment processor for domestic card transactions. Located at Alameda Xingu, 512 – 21º a 25º andar – Alphaville – SP – CEP: 06455-030, Brazil.
- MANGOPAY S.A.coreElectronic money institution licensed by CSSF for payment processing. Located at Avenue Amélie, L-1125 Luxembourg, registered under Number B173459.
- CURO Payments B.V.coreDutch payment services provider. Located at Obrechtstraat 21, 5344 AT Oss, Netherlands.
- PagBrasil Electronic Payments LTDAcoreBrazilian electronic payments provider for local payment methods. Located at Avenida Dr. Nilo Peçanha, no. 1,221, Conj. 902, Três Figueiras, CEP 91330-000, Porto Alegre, Brazil.
- PayPaycoreRegional payment method provider for Portuguese market. Located at Estrada Regional 104 N.º 42-A, 9350-203 Ribeira Brava, Madeira, Portugal.
- WooCommercecorePre-built plugin integration for WooCommerce e-commerce platform. One-click installation for online checkout optimization.
- MagentocorePre-built plugin integration for Magento e-commerce platform. Seamless checkout for enterprise e-commerce merchants.
- PrestaShopcorePre-built plugin integration for PrestaShop e-commerce platform. Quick installation for online payment acceptance.
- SAPstrategicEnterprise integration with SAP systems for large merchant payment orchestration and ERP connectivity.
- OraclestrategicIntegration with Oracle hospitality and enterprise systems. Pre-built connectors for Oracle POS and property management.
- Host PMScorePre-built integration with Host Property Management System for hospitality merchants. Enables seamless hotel payment orchestration.
- WhatsAppcoreChat commerce integration via WhatsApp for payment links, customer support, and transaction completion. AI handles sizing, links, and confirmation.
- Microsoft AzurecoreProduction cloud infrastructure provider using Microsoft Azure EU West Europe (Amsterdam region). Hosts object storage, database, and key management via Azure Key Vault.
- CloudflarecoreDDoS protection, web application firewall, and content delivery network with EU data-residency controls.
- DatadogcoreObservability, metrics, log aggregation, and SIEM correlation for operational and security monitoring in EU region.
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
Paybyrd competitors and assessment
Company assessmentBroad incumbents
- Stripe: Global payments platform with Stripe Smart Retries, multi-acquirer routing, and Payment Element covering cards, wallets, and local methods. Targets the same merchants with broader developer tools, deeper capital base, and unified payments + issuing + banking stack — the most direct incumbent threat to Paybyrd's orchestration positioning.
- Adyen: Unified-commerce payments platform serving enterprise merchants globally with omnichannel acquiring, local payment methods, and built-in optimization. Competes with Paybyrd for the same large multi-country merchants (airlines, retail, hospitality) but at higher price points and with proprietary acquiring licenses.
- Checkout.com: Global payment processor with Intelligent Acceptance, smart routing, and broad payment-method coverage. Targets enterprise merchants with similar approval-rate optimization messaging as Paybyrd but with substantially larger scale, institutional funding, and direct acquiring licenses in multiple jurisdictions.
- Worldline: European payment services giant that is both a partner (Bambora/Worldline is a licensed acquirer for Paybyrd) and a competitor. Offers its own unified-commerce orchestration and direct acquiring across EU markets, potentially disintermediating Paybyrd if it expands orchestration features directly.
- PagoNxt (Santander): Merchant payments and acquiring arm of Santander with multi-country orchestration capabilities across Europe and LATAM. Competes with Paybyrd for enterprise merchants and has particular strength in the same Iberian and Brazilian markets where Paybyrd shows enterprise traction (Vila Galé, Rede Expressos).
- Nuvei: Global payment technology company offering unified commerce, omnichannel acquiring, and payment orchestration for enterprise merchants across 200+ markets with 150+ currencies and APM coverage. Directly comparable to Paybyrd's geographic and currency breadth, though at substantially larger scale with full acquiring licenses.
Direct peers
- Primer: Universal payment orchestration platform enabling merchants to route transactions across multiple payment processors and PSPs via a single integration. Directly comparable to Paybyrd in product scope (smart routing, retry logic, unified dashboard), with comparable target verticals and developer-first positioning.
- Spreedly: Payment orchestration and vaulting platform allowing merchants to connect to multiple gateways and optimize routing. Closely aligned with Paybyrd's API-first orchestration model, though more focused on vault/tokenization and gateway-agnostic integrations than omnichannel POS and customer intelligence.
- Planet: Payment orchestration and gateway services targeting travel, hospitality, and retail merchants globally — the same vertical mix Paybyrd emphasizes (TAP Air Portugal, Vila Galé). Provides multi-currency processing, DCC, and acquirer-agnostic routing, making it a directly comparable vertical-specialized peer.
Regional players
- Mollie: European payment service provider headquartered in Amsterdam with strong presence in the Benelux and Germany. Competes with Paybyrd on multi-method checkout and developer-friendly APIs for SMB and mid-market merchants, with significant traction in the same EMEA geographies Paybyrd targets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Paybyrd social profiles
Digital presencePaybyrd compliance and trust
Trust signalCompliance6 records
Paybyrd financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paybyrd leadership team
Management profileNumber of profiles
Profiles2 records
Paybyrd funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paybyrd 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 Paybyrd
What does Paybyrd do?
Paybyrd is a multi-acquiring payment orchestration platform that connects merchants to multiple acquirers through a single integration, providing smart routing across payment processors to maximize approval rates, built-in 3DS2 authentication, PAN tokenization, and an automated retry engine. The platform supports e-commerce, in-store POS terminals, mobile, and kiosk channels, with 20+ payment methods across 192+ currencies and 40+ countries, plus white-label checkout customization and customer intelligence.
Is Paybyrd a public or private company?
Paybyrd is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Paybyrd founded?
Paybyrd was founded in 2018. It employs 11 to 50 people.
Where is Paybyrd based?
Paybyrd is headquartered in Dublin, Ireland, in the Europe region.
How does Paybyrd make money?
One revenue line is on record: transaction Processing Fees.
Who are Paybyrd's main competitors?
Broad incumbents on record are Stripe, Adyen, Checkout.com, Worldline, PagoNxt (Santander) and Nuvei. Direct peers are Primer, Spreedly and Planet. Mollie is listed as a regional player.
Does Paybyrd have an API?
Yes. REST API over HTTPS for Card Not Present Transactions, authenticated by username/password, IP, and/or client certificate. Supports authorization, capture, refund and webhook-delivery endpoints. Merchant API interface requires full PCI-DSS compliance. Developer documentation is at docs.paybyrd.com.
What industry is Paybyrd in?
Paybyrd's product category is Payment Orchestration Platform. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of CRAFALAL, POS-to-Online Unified Payments (Omnichannel Payments). Its NAICS code is 52232 and its SIC code is 7374.