What PayProff does

PayProff A/S is a Denmark-based digital escrow payment platform that holds funds in a secure custodial account on behalf of a buyer and seller until pre-agreed transaction conditions are met, then releases the funds. Founded in 2019 and headquartered in Horsens (CVR 40914307), the company operates under a Payment Service Provider license from the Danish Financial Supervisory Authority (Finanstilsynet) and is supervised under PSD2, GDPR, EU AMLD/AMLD6 (including EU AML/CFT Regulation 2024/1624), and eIDAS. Its technology stack is a web-and-mobile platform with PCI-DSS-compliant payment processing routed through licensed PSD2 payment partners, eID-based KYC, and ongoing AML transaction monitoring; infrastructure is hosted within the EEA. The company serves two primary segments: private individuals conducting peer-to-peer transactions for high-value items (phones, laptops, cars, jewelry, pet deposits) on marketplaces such as DBA, HåndværkerDK, and Facebook Marketplace, and small and medium businesses plus service providers seeking payment protection and customer verification.

PayProff operates a four-tier product portfolio: Standard (self-serve portal with a fixed-fee structure), Partner (co-branded portal with user management and market customizations), White Label (fully customized portal under partner branding), and Connect (escrow API for third-party integration). The product surface is available in 9 languages and is operational across at least 7 European jurisdictions (Denmark, France, Germany, Spain, Italy, Netherlands, Luxembourg). Distribution is multi-modal: a self-serve web portal and iOS/Android apps target consumer P2P; embedded integrations on third-party marketplaces drive organic acquisition; and a free-consultation enterprise motion targets white-label and API partners.

The business model is a pay-as-you-go transaction fee (example disclosed on the homepage: 100 kr fee on a 4,900 kr transaction, ~2% take rate), deducted from the seller's disbursement by default but configurable to be paid by the buyer or split 50/50. There is no disclosed revenue, funding history, or institutional ownership; the company is privately held and operates with 1–10 employees, with founder Jesper Ratza identified.

Name

PayProff

Legal name

PayProff A/S

Website

https://payproff.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

PayProff is a Denmark-based, Danish-FSA-licensed digital escrow platform that holds buyer funds securely until transaction conditions are met, serving private individuals and SMBs across 7+ European countries via a self-serve portal, mobile apps, marketplace integrations, and a white-label/API partner program.

Ownership category

akta.pro rank

Product category

Digital Escrow Payments

NAICS

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

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Digital escrow services
• Online payment platform
• Secure fund holding
• Escrow API integration
• White-label payments

Headquarters

HQ city

Vejle

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Escrow Transaction Fees: Fees charged for use of escrow services when transaction conditions are fulfilled. Fee is deducted from disbursement to selling user when escrow agreement conditions are met. Parties can share fees (seller, buyer, or 50/50). Example shown: 100,00 kr fee for a 4.900,00 kr transaction.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

PayProff is a digital escrow payment service that holds buyer funds in a secure custodial account and releases them to the seller only after both parties confirm the transaction conditions have been met. The platform operates under a Danish Payment Service Provider license, supports nine European languages, and is offered through consumer-facing, partner, white-label, and API-based deployment models.

Product overview

PayProff is a digital escrow payment platform that enables secure transactions between buyers and sellers across online marketplaces and direct sales. The company offers a four-tier product portfolio: (1) Estándar (Standard) - a straightforward escrow portal with fixed fees for simple transactions; (2) Socio (Partner) - a co-branded platform with user management and market customizations; (3) Marca Blanca (White Label) - a fully customized portal for complete brand ownership; and (4) Conectar (Connect) - an API integration for developers who need to embed escrow functionality into their own websites. The core offering is the escrow account service where funds are securely held until both parties fulfill their obligations, with payment processing via PCI-DSS-compliant third-party providers.

Differentiator

Problem solved

Functional benefit

Brands

• PayProff Standard: A straightforward escrow portal solution with a fixed fee structure for basic transaction needs.
• PayProff Partner
• PayProff White Label
• PayProff Connect

Products and services

• PayProff Standard Self-serve digital escrow portal for individual consumers and small-volume transactions; lets a buyer place funds in a secure custodial account that are released to the seller only after both parties confirm the transaction conditions have been met.
• PayProff Partner Co-branded escrow offering for partner organizations, allowing them to deliver a PayProff-backed escrow experience under their own brand to expand trust at their checkout or transaction flow.
• PayProff White Label Fully rebrandable escrow product aimed at resellers, marketplaces, and platforms that require a complete white-label deployment built on PayProff's licensed escrow infrastructure.
• PayProff Connect (API) Developer-facing API that lets platforms programmatically integrate PayProff's escrow functionality into their own products and workflows.

Quantifiable outcome

• Funds securely held until verification confirms agreement conditions met

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Licensed Payment PartnerscoreTechnology or IntegrationExecution of payment orders performed by licensed payment service providers authorized under PSD2 and supervised by competent authorities. Payment partners vary depending on user's location and transaction currency.
• Danish Financial Supervisory Authority (FSA)coreOthersPayProff operates under supervision of the Danish FSA as a licensed Payment Service Provider.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mangopay: European payment service provider specialized in marketplace and platform flows, with built-in escrow and payout capabilities for two-sided platforms. Comparable to PayProff's marketplace-embedded Partner and Connect products.
• Trustap: Mobile-first escrow service designed for peer-to-peer transactions on classifieds and marketplaces. Competes with PayProff for the same P2P buyer/seller use cases in Europe and beyond.
• Escrow.com: The largest dedicated online escrow provider globally, serving both consumers and businesses for high-value P2P and B2C transactions. It directly competes with PayProff in the digital escrow category PayProff targets.
• Lemonway: EU-licensed payment institution offering marketplace and escrow-style payout and fund-holding services across the EEA. Targets similar platform and platform-embedded use cases as PayProff.
• HiPay: European payment service provider offering marketplace and platform payment orchestration with hold/disburse flows. Overlaps with PayProff's Partner and Connect APIs for marketplaces in the EEA.

Emerging players

• Paddle: Merchant-of-record billing platform handling payments, tax and compliance for software sellers. Adjacent in offering regulated payment and fund-handling infrastructure to digital businesses.

Broad incumbents

• Payoneer: Global cross-border payments platform serving freelancers, SMBs and marketplaces with payout infrastructure. Compares to PayProff on the contractor/service-provider payment segment.
• Adyen: Large European PSP offering unified acquiring, payouts and platform-marketplace payment flows. Adjacent competitor for enterprise platform integrations where escrow-style holds are required.
• Stripe: Global payments infrastructure incumbent with Stripe Connect supporting multi-party flows and held funds for marketplaces. Reaches the same platform-embedded payments space as PayProff but at vastly greater scale.

Regional players

• Mollie: European merchant payment service provider with multi-country coverage across the EEA. Comparable in geographic positioning and SMB focus, even though it does not specialize in escrow.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PayProff
• LinkedInlinkedin.com/company/payproff
• Instagraminstagram.com/pay_proff

Compliance6 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 PayProff