Payoro

What Payoro does

Payoro (legal entity: Payoro Finance Ltd.) is a Canadian-registered fintech founded in 2019 that operates a unified payout infrastructure platform connecting traditional banking rails (SEPA, SEPA Instant, SWIFT) with crypto/blockchain rails (Bitcoin, USDC, custom stablecoin routes) through a single REST API. The platform is registered as a Money Services Business with FINTRAC (M23010441) and under the Bank of Canada's Retail Payment Activities Act, with operational presence in Canada (Maple Ridge HQ), Spain (Madrid), Norway (Oslo), Malta (Sliema), Bulgaria (Sofia), and Estonia (Tallinn). Its product suite centers on Payoro Connect (the merchant-facing platform), the Payoro Payout API (REST endpoints for programmatic payout initiation, monitoring, and webhooks), Mass Payouts (batch processing of thousands of transactions with reconciliation and error detection), Crypto Payout Infrastructure (with wallet validation and OTC desk), and a mobile banking app for end-user fiat/crypto management. Built-in KYC/KYB, watchlist screening, beneficiary verification, and transaction monitoring are delivered in part through a partnership with Kyros AML Suite.

Payoro targets B2B digital platforms — including crypto exchanges, affiliate networks, Web3 platforms, marketplaces, payroll/freelancer platforms, iGaming operators, FX/investment platforms, and PSPs/EMIs — with an API-first, product-led go-to-market. It distributes through a self-serve portal (portal.payoro.com), direct enterprise demo requests, and integrations with three payment orchestration platforms (PaymentIQ, Praxis, BridgerPay). Revenue is generated through per-transaction fees (varying by jurisdiction, rail, risk, and FX exposure) and FX margin on cross-border payouts; the platform charges a €0 monthly subscription across all account tiers. The company claims €200M+ in annual processed volume, a 99.65% payout success rate, zero downtime since 2021, and 40,000+ end-users across 80+ countries. Headcount is stated at approximately 70 co-workers, with a recently appointed CEO (Eugenio Corell, ex-Bunq) driving international expansion.

Name

Payoro

Legal name

Payoro Finance Ltd.

Website

https://payoro.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Payoro (Payoro Finance Ltd.) operates a regulated, API-first payout infrastructure platform unifying SEPA/SWIFT fiat rails with Bitcoin and USDC crypto rails, serving crypto exchanges, marketplaces, payroll platforms, iGaming operators, and PSPs across 80+ countries with built-in KYC/KYB compliance.

Ownership category

akta.pro rank

Product category

Cross-Border Payout Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Payroll & Contractor Payments (Crypto) (FSADAIAH), Marketplace & Platform Seller Payouts (FSAMAKAE), Crypto Payment Gateways & Checkout APIs (FSADAIAA)

Keywords

• Payout infrastructure
• Cross-border payments
• Payment API platform
• Crypto payouts
• Money transfer services

Headquarters

HQ city

Tallin

HQ country

Estonia

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Payoro charges transaction fees per payout processed, calculated per transaction depending on factors such as third-party fees, risk factors, jurisdiction, availability of pay-out options, bank fees, and FX fees. Fees are individualized and may be included in the quoted transaction sum.
2. Foreign Exchange (FX) Fees: FX fees are charged where applicable when currency conversion is involved in cross-border payouts. The fees are calculated per transaction based on the currencies involved.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Payoro operates a unified payout infrastructure platform that lets businesses move money globally through a single API, supporting both fiat rails (SEPA, SEPA Instant, SWIFT) and crypto rails (Bitcoin, USDC, stablecoins). It enables single and batch payouts to bank accounts and crypto wallets across 80+ countries, with built-in KYC/KYB, AML screening, wallet validation, and transaction monitoring. The platform is sold to digital businesses (crypto exchanges, marketplaces, PSPs, payroll providers, iGaming, Web3 platforms) primarily via API integration and a self-serve web portal.

Product overview

Payoro is a payout-only infrastructure platform built for businesses that need reliability and speed to move money globally, particularly within the EU. The offering is a unified platform-plus-modules architecture centered on Payoro Connect as the core merchant platform. Key products include the Payoro Payout API for programmatic money movement, Mass Payouts for batch disbursements, and Crypto Payout Infrastructure for blockchain-based settlements. The platform supports both fiat (SEPA, SEPA Instant, SWIFT) and crypto (Bitcoin, USDC, custom crypto routes) payout rails through a single API integration. Payoro also offers a mobile app for 100% online banking with fiat and crypto fund management.

Differentiator

Problem solved

Functional benefit

Products and services

• Payoro Connect Payoro Connect is Payoro's merchant-facing platform that enables businesses to move money efficiently, deliver funds to customers and suppliers quickly, and grow globally through real-time transactions, fast payouts, IBAN-based global reach, and API integration. It is designed for merchants and digital businesses that need to send payouts across borders.
• Payoro Payout API A REST API that lets platforms automate payments to clients, customers, freelancers, and partners anywhere in the world. It supports single and batch payouts across multiple payment rails including SEPA, SEPA Instant, SWIFT, and crypto, with built-in compliance screening, real-time webhook notifications, and sandbox environments. It targets developers and payment teams at digital platforms and most customers go live within two weeks.
• Mass Payouts by Payoro A payout capability that allows companies to send many payments at once to customers in different countries from one dashboard or API. It handles thousands of transactions at once with real-time tracking, verification, and settlement within seconds, and includes reconciliation tools, access control, user permissions, and smart error detection for invalid or duplicate payouts.
• Crypto Payout Infrastructure Blockchain-based payout infrastructure designed for high-volume platforms. It supports Bitcoin payouts, stablecoin payouts (USDC), and custom crypto routes through a unified API, enabling global payouts with 24/7 settlement, wallet validation, address risk checks, transaction monitoring, and built-in compliance. A manual OTC desk is also available for crypto order execution.
• Payoro Mobile App A 100% online banking mobile application enabling users to manage fiat and crypto funds, send money transfers, and access 24/7 customer support without the need for physical branches. It is delivered alongside Payoro's core B2B payout infrastructure as an account-facing application.

Quantifiable outcome

• Platforms offering instant payouts see 20-35% higher seller retention
• +5 more outcomes

Named customers1 record

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Kyros AML SuitecoreTechnology or IntegrationKyros AML Suite provides identity verification and AML compliance components for Payoro's payout infrastructure. This includes KYC/KYB verification, watchlist screening and monitoring, payment beneficiary verification, and transaction monitoring with risk scoring, integrated into Payoro's compliance workflow.
• Bitcoin Liquidity ProviderscoreTechnology or IntegrationPayoro partners with major Bitcoin liquidity providers globally to support reliable Bitcoin payout execution. These partnerships enable Payoro to offer API and manual OTC execution of Bitcoin orders with deep liquidity.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• BitPay: BitPay is a long-standing crypto payment processor offering merchant payouts and stablecoin settlement. It competes with Payoro's crypto payout infrastructure for platforms seeking Bitcoin/USDC disbursement.
• Tipalti: Tipalti is a mass-payouts and AP automation platform serving marketplaces, ad networks, and platforms with cross-border supplier and affiliate payouts. It is the closest direct comparable to Payoro's mass-payout infrastructure for digital platforms.
• Guardarian: Guardarian is a fiat-to-crypto onramp/offramp platform offering payouts via SEPA, SWIFT, and cards. It is a peer for Payoro's hybrid fiat-crypto payout corridors.
• Transak: Transak is a fiat-to-crypto on-ramp and payout infrastructure provider used by wallets, exchanges, and Web3 platforms. It overlaps Payoro's crypto payout and beneficiary-verification stack for digital-asset platforms.
• Alchemy Pay: Alchemy Pay is a crypto payment gateway providing fiat-crypto on/off ramps and merchant checkout. It competes for the same cross-border crypto-payout use case Payoro serves, particularly in emerging markets.
• Bitwage: Bitwage is a crypto payroll and contractor payment platform enabling global teams to receive wages in Bitcoin, USDC, and fiat. It is a focused peer for Payoro's HR/Payroll & freelancer payout use case with the crypto rail.
• Tilia (Linden): Tilia provides digital-economy payout infrastructure for games, virtual worlds, and platforms, with built-in compliance and KYC. It directly parallels Payoro's platform-led, compliance-embedded payout API for regulated digital businesses.

Broad incumbents

• Wise (formerly TransferWise): Wise operates one of the largest cross-border payment networks with multi-currency account infrastructure and an API. It is a broader incumbent that competes with Payoro's fiat payout and IBAN coverage.
• Currencycloud: Currencycloud provides cross-border payment APIs used by PSPs, banks, and platforms for FX and mass payouts. It is a comparable fintech infrastructure peer for Payoro's API-first cross-border disbursement rails.
• Circle: Circle issues USDC and provides APIs and payout infrastructure for businesses moving money on stablecoin rails. It is a broader incumbent whose stablecoin payout APIs increasingly overlap Payoro's crypto-payout offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

Compliance2 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 Payoro