Paydoo
Paydoo (DBA Paynt) is a Riga-headquartered, multi-jurisdiction payment infrastructure provider offering acquiring, POS, online checkout, cashless tipping, and merchant services across EU, EEA, UK, and USA, primarily through a 250+ ISO/ISV/PSP channel partner model serving hospitality, retail, digital, and services-sector merchants.
- Company typePrivate
- Founded2016
- HeadquartersRiga, Latvia
- Headcount—
- GTM typeB2B
- OfferingSoftware
What Paydoo does
Paydoo, operating commercially as Paynt, is a payment infrastructure and solutions provider headquartered in Riga, Latvia, with a US headquarters in Miami (Paydoo Payments US Inc., DBA Paynt) and additional operating entities in Lithuania (Paynt UAB, EMI License No. 2) and the United Kingdom (Paynt Limited, FCA FRN 903111). The company offers acquiring, POS, online checkout, cashless tipping, and merchant services across EU, EEA, UK, and USA markets. Its core technology stack centers on Paynt Acquiring (a multi-jurisdiction acquiring platform), the proprietary Paynt Portal (end-to-end merchant onboarding, reporting, compliance, fraud, and chargeback management), and SoftPOS (smartphone-based contactless payment acceptance). The platform integrates with 50+ POS systems and supports Visa, Mastercard, American Express, Apple Pay, Google Pay, and Samsung Pay.
The product portfolio spans in-person acceptance (Card Machines, POS Terminal App, SoftPOS, Integrated Payments EPOS), online payments (E-Commerce, Online Checkouts, Virtual Terminals, Subscription Billing, Pay By Link, In App Payment), tipping solutions (Cashless Tipping, Member Tipping App, QR Code Tipping), merchant services (Digital Onboarding, Payment Gateway, Dispute Management, Fraud Prevention), and merchant capital (Paynt Funding). Customer segments are organized by vertical — hospitality, retail, digital business, and services sector — with an additional business unit targeting ISOs, ISVs, and PSPs.
Paynt monetizes through transaction-based fees on every payment processed, recurring subscription and service fees for POS terminal applications and merchant services, and partner revenue share on transactions referred by its 250+ channel partners (ISOs, ISVs, PSPs). Pricing is quote-based and tailored to merchant volume and required services. Distribution is dominated by an asset-light channel partner model with dedicated direct enterprise sales for larger merchants and self-serve digital onboarding for smaller businesses. The company is privately held by founder and CEO Sam Kohli, with no disclosed institutional funding rounds, parent entity, or M&A activity in the source material.
Paydoo firmographics
Firmographics- Name
- Paydoo
- Legal name
- Paydoo Payments US Inc.
- Website
- https://paydoo.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Short description
- Paydoo (DBA Paynt) is a Riga-headquartered, multi-jurisdiction payment infrastructure provider offering acquiring, POS, online checkout, cashless tipping, and merchant services across EU, EEA, UK, and USA, primarily through a 250+ ISO/ISV/PSP channel partner model serving hospitality, retail, digital, and services-sector merchants.
- Ownership category
- akta.pro rank
Paydoo industry classification
Industry- Product category
- Payment Processing Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Request-to-Pay (R2P) & Pay Links (FSAMAFAE)
Keywords
Where Paydoo is headquartered
LocationHeadquarters
- HQ city
- Riga
- HQ country
- Latvia
- HQ region
- Europe
Offices1 record
Markets served
Paydoo 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 Processing and Transaction Fees: Revenue generated from transaction fees on every payment processed through the platform across in-store and online channels. Partners receive a share of revenue from every payment processed.
- Subscription and Service Fees: Recurring fees for POS terminal applications, subscription billing services, and merchant services including dispute management, fraud prevention, and funding services.
- Partner Revenue Share: Partners earn commission based on transaction volume processed through their referred merchants, creating recurring revenue opportunity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quote-based pricing tailored to merchant needs and transaction volume |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Paydoo product offering
Product offeringCore offering
Paydoo (doing business as Paynt) is a payment acquiring and infrastructure provider that enables merchants and channel partners to accept in-person and online payments across the EU, EEA, UK, and USA. It offers an integrated platform combining payment acquiring, POS integrations, a merchant management portal, and tipping solutions, licensed as an Electronic Money Institution in Lithuania and operating as an ISO/MSP of Esquire Bank in the US.
Product overview
Paynt is an award-winning, fully integrated payment solution and infrastructure provider operating across EU, EEA, UK, and USA markets. The platform follows a modular architecture centered on Paynt Acquiring (payment processing infrastructure), Paynt Portal (proprietary end-to-end merchant management console), and specialized solutions for hospitality, retail, digital businesses, and service sectors. The product portfolio spans in-person payments (Card Machines, POS Terminal App, SoftPOS), online/digital payments (E-Commerce, Online Checkouts, Virtual Terminals, Subscription Billing, Pay By Link, In App Payment), tipping solutions (Cashless Tipping, Member Tipping App, QR Code Tipping), merchant services (Digital Onboarding, Dispute Management, Fraud Prevention, Payment Gateway), and financial services (Paynt Funding). The platform integrates with 50+ POS systems and supports all major payment networks including Visa, Mastercard, American Express, Apple Pay, Google Pay, and Samsung Pay.
Differentiator
Problem solved
Functional benefit
Products and services
- Card Machines A range of Pay-at-Table card machines designed to help hospitality businesses accept card payments and tips at the table.
- POS Terminal App Application that transforms payment terminals into versatile payment hubs with multiple payment options and seamless POS integration.
- SoftPOS Software solution that turns NFC-enabled smartphones into secure contactless payment terminals accepting Mastercard, Visa, and digital wallets.
- Online Checkouts Hosted digital checkout solutions for processing online card transactions.
- Virtual Terminals Browser-based terminal for merchants to key in and process card-not-present transactions.
- Subscription Billing Recurring billing and subscription payment management solution for merchants with ongoing customer charges.
- Pay By Link Payment links delivered via email, SMS, or messaging apps for remote and contactless payment collection.
- In-App Payment Embedded payment capability for merchants to accept payments inside native mobile and web applications.
- E-Commerce End-to-end online payment processing solution for digital and e-commerce businesses.
- Integrated Payments (EPOS) Integrated payment solution for electronic point-of-sale systems enabling seamless in-store payment processing.
- Cashless Tipping Cashless tipping solution that routes 100% of tips to staff with zero platform fees and compliance with tipping regulations.
- Members Tipping App Mobile app that lets staff accept, manage, and track digital tips with earnings visibility across multiple locations and secure payouts.
- QR Code Tipping Personalized QR codes displayed on a device that allow customers to leave digital tips directly.
- Payment Gateway Payment gateway offering competitive rates, advanced fraud protection, and flexible integration for secure online and in-store transactions.
- Paynt Acquiring All-in-one acquiring platform enabling merchants to accept payments from a wide range of payment methods across the EU, EEA, UK, and USA, with built-in compliance.
- Paynt Portal Proprietary merchant management platform providing onboarding, activation, support, reporting, compliance monitoring, fraud and chargeback management in one console.
- Digital Onboarding Accelerated merchant activation system giving access to key metrics, transaction data, settlement invoices, processing fees, and payout terms through an intuitive console.
- Dispute Management Tools and services for managing payment disputes, chargebacks, and the related representment process.
- Fraud Prevention Advanced fraud detection and prevention services for securing card-not-present and card-present payment processing.
- Paynt Funding Working capital product offering merchants quick access to funding with a simple application, transparent terms, and fast approvals for business growth.
Quantifiable outcome
- Next business day settlements
- +3 more outcomes
Companies that use Paydoo
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Paydoo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Paydoo partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and supporting.
- Epos NowcorePOS integration partner connecting Paynt's payment solutions with Epos Now's POS platform for seamless merchant deployments.
- CompucashcorePartner offering Paynt's acquiring solutions to merchants through Compucash's distribution network.
- Biztech TechnologysupportingTechnology integration partner providing payment technology solutions to merchants.
- ČekiscoreLatvian partner managing payment processing with next-day settlements achieving enhanced operational efficiency for their customers.
- YumacorePartner referencing Paynt's honest approach to partnership and full wraparound support from onboarding to ongoing service.
- VispersupportingPartner in Paynt's ecosystem of payment solution providers.
- ZalapaycoreLatvian partner providing Acquiring-as-a-Service managing 200+ POS devices in public transportation sector and acquiring services to largest summer festivals.
- OlaiisupportingPartner in Paynt's distribution ecosystem.
- OpussupportingPartner providing payment solutions integration.
- OnePlusTwosupportingPartner in Paynt's merchant services network.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Paydoo competitors and assessment
Company assessmentDirect peers
- SumUp: European-headquartered payments company offering card readers, POS, and merchant acquiring services aimed at SMBs across multiple European and global markets. Directly comparable to Paynt in target customer (SMB merchants), product mix (card readers, POS, integrated acquiring), and geographic expansion model across EEA/UK/US.
- Rapyd: Payment infrastructure platform serving marketplaces, platforms, and PSPs globally — and notably Paynt Limited is registered as an EMD Agent of Rapyd Payments Limited in the UK. Directly comparable in serving the ISO/ISV/PSP partner channel with acquiring-as-a-service infrastructure.
- Mollie: European payment service provider offering multi-method online and in-person payment processing with strong SMB and platform partner orientation. Comparable to Paynt in product breadth (card present + online), developer-first API posture, and European multi-jurisdiction coverage.
- Planet: Integrated payments and merchant acquiring provider with multi-jurisdiction licensing and a vertical-specialized go-to-market (hospitality, retail). Directly comparable to Paynt's vertical SaaS/ISO channel model and hospitality focus.
Broad incumbents
- Stripe: Global payment processing platform serving online and in-person merchants, with an aggressive expansion into embedded payments and partner platforms. Highly comparable infrastructure layer to Paynt Acquiring, although Stripe operates at much larger scale and serves enterprise more than SMB.
- Adyen: Public, listed European payment processor providing acquiring, POS, and unified commerce across global markets. Overlaps with Paynt on multi-jurisdiction acquiring and integrated platform play, although Adyen skews large-enterprise versus Paynt's SMB/ISO focus.
- Worldline: Large European merchant acquiring and payment services incumbent operating across EEA, UK, and global markets. Directly comparable jurisdiction footprint and merchant acquiring capabilities, although serving a much broader scale of merchants than Paynt.
- Block (Square): Public fintech offering integrated payments, POS hardware/software, and merchant services — comparable to Paynt's product breadth and SMB target, though at vastly larger scale and concentrated primarily in the US/AU markets.
- Nexi: Largest European payments company providing merchant acquiring, card issuing, and integrated payment infrastructure across multiple EEA markets. Comparable jurisdiction footprint and acquiring technology stack to Paynt, though at vastly larger scale.
Others
- PPRO: Payment orchestration and acquiring-as-a-service platform enabling PSPs, ISOs, and platforms to access global payment methods and acquiring infrastructure. Adjacent peer — comparable in enabling the ISO/PSP partner model Paynt serves, rather than competing for the same merchants directly.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Paydoo social profiles
Digital presencePaydoo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paydoo leadership team
Management profileNumber of profiles
Profiles1 record
Paydoo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paydoo 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 Paydoo
What does Paydoo do?
Paydoo (doing business as Paynt) is a payment acquiring and infrastructure provider that enables merchants and channel partners to accept in-person and online payments across the EU, EEA, UK, and USA. It offers an integrated platform combining payment acquiring, POS integrations, a merchant management portal, and tipping solutions, licensed as an Electronic Money Institution in Lithuania and operating as an ISO/MSP of Esquire Bank in the US.
Is Paydoo a public or private company?
Paydoo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Paydoo founded?
Paydoo was founded in 2016.
Where is Paydoo based?
Paydoo is headquartered in Riga, Latvia, in the Europe region.
How does Paydoo make money?
Three revenue lines are on record. Payment Processing and Transaction Fees are the primary driver. The others are subscription and Service Fees and partner Revenue Share.
Who are Paydoo's main competitors?
Direct peers on record are SumUp, Rapyd, Mollie and Planet. Broad incumbents are Stripe, Adyen, Worldline, Block (Square) and Nexi. PPRO is listed as an others.
Does Paydoo have an API?
Yes. Paynt offers a Developer Portal with API reference documentation. The developer portal provides access to the Paynt ePOS API reference. Specific API type (REST, GraphQL, webhooks), authentication methods, rate limits, and sandbox availability are not detailed in the provided source material. Developer documentation is at developers.paynt.com.
What industry is Paydoo in?
Paydoo's product category is Payment Processing Infrastructure. Its primary akta.pro industry code is FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 52232.