Pay.io launches crypto payment gateway for B2B iGaming operators worldwide

Pay.io has announced the launch of a crypto payment gateway built for B2B iGaming operators. The service is structured as a Platform as a Service (PaaS) offering and is designed to simplify digital asset payment management while allowing merchants to retain control of their funds.

The platform brings payment orchestration, wallet administration and player-facing transactions into one connected infrastructure. Pay.io positions the service as a way for operators to manage crypto payment activity without building each blockchain-related component separately.

Rather than focusing only on the payment screen presented to a player, the platform is designed around the broader flow of funds. This includes transaction routing, wallet management, approvals, reporting and integration with an operator’s existing technology environment.

Pay.io builds around three core products

The offering is organised around the Payment Gateway, Merchant Console and Cashier UI. Each component serves a separate role while operating within the same platform architecture.

Payment Gateway provides the transaction layer

The Payment Gateway is the technical core of the service. Pay.io describes it as an instructional layer that translates business requirements into secure commands for transaction execution.

Operators can use the gateway with the Cashier UI or connect their own user experience through APIs. Pay.io’s documentation describes API authentication using an API key, a unique nonce and an RSA-SHA256 signature.

The company describes its architecture as non-custodial. According to Pay.io, it does not hold or control merchant funds. Instructions are instead passed to licensed custodians for execution while transaction information is returned to the merchant environment.

This separation is intended to give operators greater visibility over payment activity while preserving their own custody arrangements. It also places emphasis on internal controls, reconciliation and wallet configuration.

The gateway is therefore positioned as more than a simple checkout processor. It provides the infrastructure connecting an operator’s systems with the underlying crypto payment process.

Merchant Console focuses on operational control

The Merchant Console is designed as the administrative centre for crypto payment activity. Pay.io says operators can use it to manage hot and treasury wallets, review transaction flows, configure security rules and oversee approvals.

The console also provides reporting functions intended for finance and operations teams. Pay.io highlights transaction records containing details such as hashes, fees and timestamps with export functionality for reconciliation.

Security controls include role-based access and multi-party authorisation. The platform also references FIDO2 passkeys for additional approval protection. These functions are presented as ways to establish defined processes around withdrawals and other sensitive movements.

The approach reflects the operational reality of crypto payments. Managing digital assets involves more than processing a deposit. Operators must also monitor balances, pending transactions, treasury movements and approval requirements.

Cashier UI brings payments to players

The Cashier UI is the player-facing part of the Pay.io offering. It is provided as a pre-built widget delivered through a secure iFrame, reducing the front-end development required from operators.

Pay.io says the interface supports deposits and withdrawals with transaction status information. Its current product information also describes wallet connectivity and a fiat on-ramp option, with availability subject to regional conditions.

For operators, an embedded payment interface can keep the transaction journey inside an existing website or application. Pay.io also offers a direct API route for businesses that need more control over the front-end experience.

This two-path approach allows operators to select an implementation based on their technical resources. A ready-made widget can support a more direct deployment while an API-based integration offers greater control over how the payment journey is presented.

HubMarket adds another distribution channel

Pay.io is available through HubMarket, the product ecosystem operated by Hub88. HubMarket currently lists Pay.io as a B2B PaaS focused on cryptocurrency and fiat payment infrastructure for iGaming businesses.

The marketplace highlights the combination of the Payment Gateway, Cashier UI and Merchant Console. This creates an additional route for Hub88 clients seeking payment technology within an established supplier ecosystem.

Hub88 Limited is registered in Malta and its website states that it holds a B2B Critical Supply Licence from the Malta Gaming Authority. The regulator’s public verification service currently lists HUB88 Limited under licence MGA/B2B/536/2018.

The relationship places Pay.io within a wider operator technology environment where payment services can be sourced alongside other specialised tools. For businesses already using Hub88 services, the marketplace model may simplify the process of identifying additional technology partners.

Compliance remains central to crypto payments

The launch does not remove the regulatory responsibilities associated with cryptocurrency transactions. Requirements can vary according to the market, operator licence and structure of the payment service.

Pay.io says its platform includes audit trails, transaction monitoring and Know Your Business procedures. The company also states that licensed providers apply their own checks.

International standards remain relevant to the wider virtual asset sector. The Financial Action Task Force continues to emphasise risk-based controls and requirements covering customer due diligence, record keeping and suspicious transaction reporting for relevant virtual asset service providers.

For operators, technical integration is therefore only one stage of deployment. They must also consider applicable licensing rules, transaction monitoring, sanctions controls and other obligations in each jurisdiction where their services operate.

This distinction is particularly important for B2B suppliers. A payment technology provider can supply infrastructure and operational tools while the operator remains responsible for meeting the rules applicable to its own business and markets.

Pay.io positions the platform around autonomy

Luis Campos Yafar, Product Manager at Pay.io, said: “Payments have always been one of the most complicated parts of running an iGaming operation and in the past, cryptocurrency payments have not kept up with the pace of the industry.

“Through Pay.io, crypto payments are one less thing to manage, with our technology’s non-custodial and high-autonomy structure able to meet their needs effortlessly. Both the Merchant Console and Cashier UI handle the complexity of multi-chain, multi-wallet payments with ease, with the player getting everything they need in one place.”

The company’s wider documentation also covers API connectivity, webhooks, reconciliation and treasury management. Pay.io lists support for multiple digital assets and networks with the available selection configured by merchant.

For B2B iGaming businesses, the central proposition is a payment layer that combines blockchain transaction infrastructure with administrative and customer-facing tools. The relevance of the service to any particular operator will depend on supported assets, integrations, licensing requirements and commercial arrangements.

The platform’s stated non-custodial structure is also relevant to its positioning. Instead of presenting payment processing as a service where funds are held by the technology provider, Pay.io describes its role as coordinating instructions between the merchant environment and external execution infrastructure.

Conclusion

Pay.io’s launch brings a dedicated crypto payment infrastructure model to the B2B iGaming market. The platform combines a Payment Gateway, Merchant Console and Cashier UI within a single service while maintaining a stated non-custodial approach.

Its focus on wallet control, approvals, transaction records and reconciliation gives the product an operational dimension beyond basic checkout functionality. Availability through HubMarket also provides an established route to Hub88 clients seeking payment technology.

For operators evaluating crypto payment solutions, the key considerations remain practical and jurisdiction-specific. Supported networks, integration methods, custody arrangements, compliance processes and reporting capabilities will determine whether a platform fits an individual business model.

As digital asset payments continue to develop, the market is likely to place greater attention on secure infrastructure, transparent controls and regulatory readiness. Pay.io is presenting its platform as an attempt to address those requirements through one connected operating layer.

FAQs

What is Pay.io?
Pay.io is a B2B Platform as a Service provider focused on payment infrastructure for iGaming and other digital businesses. Its offering includes a Payment Gateway, Merchant Console and Cashier UI.

What is Pay.io’s crypto payment gateway?
It is the infrastructure layer that Pay.io says translates business payment requirements into secure transaction instructions. It can support the company’s cashier experience or a custom integration through APIs.

Is Pay.io designed for iGaming operators?
Yes. Pay.io describes its platform as specifically designed for the B2B iGaming sector and focuses on crypto deposits, withdrawals, wallet management and transaction operations.

What is the Merchant Console?
The Merchant Console is Pay.io’s administrative dashboard for managing crypto payment operations. It includes functions for wallets, transaction monitoring, approvals, security settings and reporting.

What does Cashier UI do?
Cashier UI is the player-facing payment interface. Pay.io provides it as a pre-built widget delivered through an iFrame to support deposits, withdrawals and transaction information.

Does Pay.io hold customer funds?
Pay.io describes its architecture as non-custodial and states that it does not hold or control merchant funds. It says transaction instructions are handled through licensed custodians.

Can operators integrate Pay.io through an API?
Yes. Pay.io provides an API route for businesses that want greater control over the front-end payment experience. Its documentation also describes authentication and webhook functionality.

Is Pay.io available through HubMarket?
Yes. HubMarket, the product ecosystem operated by Hub88, currently lists Pay.io as a payment infrastructure provider for iGaming businesses.

Does using a crypto payment gateway remove compliance obligations?
No. Crypto payment technology does not remove obligations linked to gambling regulation, financial crime controls, licensing or digital asset rules. Requirements depend on the relevant markets and business structure.

Which businesses could consider a platform such as Pay.io?
The service is primarily presented for B2B iGaming operators that need crypto payment infrastructure. Suitability depends on supported assets, jurisdictions, technical requirements, compliance needs and commercial terms.