What PAYLINQ LTD does

Paylinq Ltd., operating under registered entity DEALFLOW CAPITAL LTD. (British Columbia, Canada, incorporation BC1532649) and headquartered at 115 - 1975 McCallum Road, Abbotsford, is a payment orchestration platform that connects merchants to 100 plus PSPs and acquirers worldwide through a single API integration. The platform is Level 1 PCI DSS certified and registered with FINTRAC as a Money Services Business (C100000907), enabling regulated cross-border payment activity.

The product architecture comprises a core payment rail layer (Card Acquiring, Open Banking with PIS and AIS, Alternative Payment Methods including BLIK, MB Way, iDEAL, Bizum, Swish, PIX, and Payout Solutions) augmented by four named modules. PaylinqRoute is a smart routing engine that evaluates each transaction in real time against BIN, market, card type, processor live performance, and cost, with automatic failover. PaylinqGuard delivers multi-layered fraud prevention combining behavioral analytics, device fingerprinting, real-time transaction scoring, 3D Secure 2, and detection of AI-generated threats. PaylinqPulse provides real-time dashboards covering approval rates, decline reasons, routing performance, and provider behavior. PaylinqCare provides 24/7 human-led operational support. The platform exposes a TypeScript SDK and a documented REST API at paylinq.api-docs.info.

Paylinq operates a transaction-based revenue model, charging merchants a percentage plus fixed per-transaction fee (commonly quoted at 1.5 percent to 3.5 percent for standard verticals, higher for high-risk categories) with quote-based pricing tied to merchant profile, volume, and risk classification. Distribution is dual: an API-first, self-serve onboarding flow for SMBs alongside sales-assisted enterprise engagement for mid-market and complex merchants. Vertical targeting prioritizes regulated iGaming and European e-commerce, with additional segments in travel, SaaS and subscriptions, marketplaces, and high-risk verticals, across Europe, Brazil, India, and China.

Name

PAYLINQ LTD

Legal name

DEALFLOW CAPITAL LTD.

Website

https://paylinq.co

Company type

Private

Operating status

Operating

Short description

Paylinq is a payment orchestration platform that connects merchants to 100 plus acquirers and PSPs via a single API, offering smart routing, fraud prevention, real-time analytics, open banking, and payout infrastructure. It serves iGaming, e-commerce, travel, SaaS, marketplaces, and high-risk verticals across Europe, Brazil, India, and China.

Ownership category

akta.pro rank

Product category

Payment Orchestration

NAICS

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

akta.pro primary industry

Payment Gateways & API Connectivity (FSAGABAB)

akta.pro secondary industries

Payment Orchestration Platforms (FSAGABAA), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Payment orchestration
• Multi-acquirer routing
• Payment infrastructure
• Fraud prevention
• Cross-border payments

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Revenue generated from processing payment transactions across cards, alternative payment methods, open banking, and payout solutions. Transaction-based fees typically charged as a percentage of transaction value plus fixed per-transaction fees. Processing fees vary by payment method, market, and merchant risk profile.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

PAYLINQ LTD operates a payment orchestration platform that connects merchants, platforms, and operators to multiple acquirers and payment methods through a unified API. The platform combines smart routing, fraud prevention, real-time analytics, open banking, and payout solutions to optimize authorization rates and support cross-border and high-risk transaction flows. It also offers 24/7 merchant support and integrates card acquiring, alternative payment methods, and a PCI DSS Level 1 certified tokenization vault.

Product overview

Paylinq is a payment orchestration platform built as a unified infrastructure layer combining multiple capabilities: payment gateway, card acquiring, open banking, alternative payment methods (APMs), and payout solutions form the core payment rails. Intelligent routing across acquirers is delivered through PaylinqRoute, with real-time monitoring via PaylinqPulse. Fraud prevention is handled by PaylinqGuard, and 24/7 operational support through PaylinqCare. The platform connects to 100+ PSPs and acquirers worldwide through a single integration, providing smart routing, built-in redundancy, and actionable analytics.

Differentiator

Problem solved

Functional benefit

Products and services

• PaylinqRoute Smart routing engine that selects the optimal acquirer per transaction to maximize authorization rates and minimize payment failures. Targeted at merchants, platforms, and operators with multi-acquirer payment flows.
• PaylinqGuard Fraud prevention suite using behavioral intelligence and device fingerprinting to protect transactions. Designed for merchants operating in high-risk and cross-border verticals.
• PaylinqPulse Real-time analytics dashboard that monitors every transaction in real time and converts transaction data into actionable insights via predictive analytics. Built for payment teams that need live visibility into transaction performance.
• PaylinqCare 24/7 merchant support service providing round-the-clock assistance to merchants and operators running on the Paylinq platform.
• Card Acquiring Card acquiring service enabling merchants to accept card payments across markets with multi-acquirer connectivity. Targeted at merchants processing card-based transactions.
• Open Banking Open Banking API integration enabling bank-based payment flows and financial data connectivity for merchants and platforms.
• Payment Gateway Unified payment gateway with PCI DSS Level 1 certified tokenization vault that connects merchants to multiple acquirers and payment methods through a single integration.
• Alternative Payment Methods Support for alternative payment methods (APMs) that allow merchants to offer localized and non-card payment options across markets.
• Payout Solutions Payout solutions for sending funds to merchants, partners, and end users, supporting marketplace and platform use cases.

Quantifiable outcome

• Approval rates improve by high single digits to low double digits in percentage points for operators implementing layered orchestration with intelligent routing
• +2 more outcomes

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature7 records

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Gr4vy: Gr4vy offers a cloud-based payment orchestration platform with no-code routing rules and multi-PSP connectivity, competing head-to-head with Paylinq's orchestration and smart routing proposition.
• APEXX Global: APEXX Global is a payment orchestration and optimisation platform targeting enterprise merchants with multi-acquirer routing — a direct analogue to Paylinq's enterprise sales-led orchestration offering.
• Cellpoint Digital: Cellpoint Digital provides payment orchestration and routing for travel, e-commerce, and other verticals, comparable to Paylinq in both multi-acquirer connectivity and vertical focus areas.
• Spreedly: Spreedly provides a payment orchestration and vault layer with connections to hundreds of payment services, mirroring Paylinq's 100+ PSP gateway and tokenisation capabilities for global merchants.
• Primer: Primer is a payment orchestration platform that lets merchants route, retry, and optimise transactions across multiple PSPs and acquirers through a single integration — directly comparable to Paylinq's PaylinqRoute and multi-acquirer connectivity.
• IXOPAY: IXOPAY is a payment orchestration platform offering smart routing, tokenisation, and multi-acquirer connectivity — closely aligned with Paylinq's PaylinqRoute, tokenisation, and PaylinqGuard fraud features.

Emerging players

• Akurateco: Akurateco is a payment platform focused on iGaming and high-risk verticals with multi-acquirer routing, overlapping with Paylinq's primary iGaming vertical specialisation.
• Trustly: Trustly is a European open banking payments network that competes directly with Paylinq's Open Banking offering for account-to-account payment initiation.

Broad incumbents

• Stripe: Stripe is a global payments platform with broad acquiring, routing, and orchestration-adjacent capabilities, representing the dominant incumbent against which Paylinq must differentiate in API-led and high-risk verticals.
• Adyen: Adyen is a global payments platform offering unified acquiring, gateway, and routing infrastructure, serving as the broad incumbent benchmark for platforms like Paylinq that aggregate multiple acquirers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/paylinq-co

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 PAYLINQ LTD