PayDo transforms global payment infrastructure for businesses

PayDo, a leading international payment platform established by Serhii Zakharov—who, at the age of 25, became one of the youngest FCA-approved CEOs to manage an Electronic Money Institution in the UK—has announced an extensive rollout of new strategic infrastructure solutions. These new services are designed to simplify the complex and costly landscape of modern payment processing for online businesses.

Unlike traditional fragmented approaches that require multiple providers, PayDo’s offerings are integrated within a single ecosystem, providing businesses with streamlined access, reduced costs, and enhanced operational efficiency.

Addressing the Complexity of Modern Payment Systems

The payments industry has long faced the challenge of fragmentation. Businesses often rely on a patchwork of providers, each adding additional fees, delays, and administrative burden. High costs from intermediaries, slow settlement times, compliance overheads, and lack of control over transactions have remained persistent issues.

PayDo’s recently introduced services are specifically designed to address these key challenges. By securing direct memberships with key payment networks and building proprietary technology, PayDo provides enterprise-grade infrastructure with the flexibility and agility of a FinTech, enabling businesses to consolidate operations under one unified platform.

Serhii Zakharov, CEO and Founder of PayDo, highlighted the importance of this approach:

“For years, businesses have been forced to stitch together a patchwork of payment providers, each adding cost, complexity, and delay. We believe the future is not in more fragmentation, but in intelligent unification. These launches are not just new features; they are the foundational pillars of a coherent ecosystem. We are giving our clients direct control over the core rails of finance—from SEPA and SWIFT to card acquiring and Open Banking—all through one partnership. This is how we eliminate the hidden tax of fragmentation and empower businesses to scale globally with clarity and efficiency.”

Key Services and Infrastructure Enhancements

PayDo’s expanded ecosystem introduces several crucial services, each designed to optimize efficiency and reduce operational friction for online businesses.

Direct SEPA and SEPA Instant Access

By becoming a direct SEPA member, PayDo allows businesses to process euro transactions natively, without intermediary routing. This approach provides immediate settlement capabilities through SEPA Instant, ensuring faster, more cost-effective transactions.

Direct SEPA membership also reduces the reliance on third-party intermediaries, lowering transactional fees while giving businesses full transparency over their payments. This solution offers a significant competitive edge for European companies in e-commerce, IT services, marketplaces, and financial sectors.

USD SWIFT Accounts for Cross-Border Transactions

PayDo now provides businesses with specialized USD accounts via the SWIFT network. This service is particularly important for companies engaged in international business, as it significantly reduces delays and fees associated with cross-border USD transactions.

By providing direct access to SWIFT, PayDo ensures businesses can process payments efficiently while maintaining compliance with international banking standards. This feature is especially critical for companies operating in multiple jurisdictions, where delays in USD settlements can disrupt cash flow and operational planning.

Dedicated C2B Open Banking Collections Accounts

One of the most innovative additions to PayDo’s ecosystem is the dedicated C2B (customer-to-business) Open Banking collections accounts. This service allows businesses to receive instant bank-to-business payments directly from customers, offering an alternative to traditional card networks.

The solution enables correct tracking and allocation of funds, reduces costs, and supports real-time settlement. The functionality is scalable, capable of processing over 100,000 transactions daily, making it suitable for high-volume online businesses. This feature is expected to significantly reduce reliance on legacy card networks while improving operational control and efficiency.

Direct Visa and Mastercard Acquiring

In a strategic move to simplify card payments, PayDo has become a principal member acquirer for both Visa and Mastercard. By establishing a direct relationship with these card networks, PayDo eliminates layers of intermediaries, reducing processing costs and improving authorization rates for merchants.

Direct acquiring also offers businesses greater control and transparency over card payment flows, allowing merchants to optimize payment processes while mitigating potential disruptions in transaction authorizations. This delivers a crucial operational benefit for companies in industries like gaming, e-commerce, and fintech.

Unified Ecosystem Benefits

The newly launched services are all integrated within PayDo’s unified ecosystem, which builds upon earlier innovations such as the non-redirect E-Wallet checkout. This solution offered merchants friendly-fraud protection without requiring rolling reserves, streamlining payment acceptance and risk management.

Through this integrated ecosystem, companies can oversee all their financial operations from one centralized platform. This approach transforms payment management from a resource-intensive burden into a strategic advantage, enabling companies to focus on growth rather than operational overhead.

Industries including e-commerce, IT services, marketplaces, gaming, and fintech are likely to benefit the most from this integrated approach. By consolidating payment services, businesses can achieve faster settlements, lower costs, and improved compliance, all while maintaining direct control over the payment process.

Compliance and Global Reach

PayDo’s ecosystem operates under full regulatory compliance across the UK, Canada, and the EU. The company’s infrastructure model demonstrates that the next phase of fintech growth will be driven by integration and consolidation rather than further fragmentation.

Currently, PayDo processes over €5 billion annually for more than 1,000 businesses worldwide. By offering direct infrastructure access, PayDo empowers businesses to scale internationally with confidence, efficiency, and compliance assurance.

Zakharov emphasized:

“These launches are not just new features; they are the foundational pillars of a coherent ecosystem. We are giving our clients direct control over the core rails of finance—all through one partnership. This is how we eliminate the hidden tax of fragmentation and empower businesses to scale globally with clarity and efficiency.”

The Future of Payment Infrastructure

The payment industry is at a pivotal moment. Increasingly, businesses recognize that fragmented payment solutions result in higher costs, slower settlements, and operational inefficiencies. PayDo’s approach—combining direct access, proprietary technology, and unified management—illustrates the potential of a fully integrated payment ecosystem.

By addressing both European and international payment needs through SEPA, SWIFT, Open Banking, and card acquiring, PayDo is positioning itself as a market leader in simplifying global financial operations. The company’s model also demonstrates the growing importance of regulatory compliance and operational transparency in supporting scalable fintech solutions.

With the ability to handle high volumes of transactions, reduce processing costs, and streamline compliance, PayDo provides a sustainable, future-focused alternative for businesses navigating an increasingly complex financial landscape.

Conclusion

PayDo’s transformative approach to payment infrastructure represents a decisive shift in how businesses manage financial operations in a globalized economy. By unifying SEPA, SWIFT, Open Banking, and direct Visa and Mastercard acquiring under a single platform, the company eliminates the inefficiencies, costs, and complexities traditionally associated with fragmented payment systems. This integrated model empowers businesses to operate with unprecedented speed, transparency, and control over their financial flows.

Beyond operational efficiency, PayDo’s ecosystem provides strategic value: it enables companies to scale internationally with confidence, maintain regulatory compliance, and innovate without being constrained by outdated processes. Serhii Zakharov’s vision of intelligent unification demonstrates that the next frontier in fintech is not about more services but about smarter, more cohesive solutions that enhance business agility and competitiveness.

In a rapidly evolving digital economy, where speed, security, and operational clarity are paramount, PayDo positions itself not merely as a service provider but as a strategic partner for enterprises seeking to redefine how they handle money. Its ecosystem is a testament to the power of integration, showing that with the right technology and foresight, the hidden burdens of fragmentation can be fully removed, enabling businesses to thrive on a global stage with precision, efficiency, and confidence.

FAQs

What is PayDo’s main focus in the payments industry?
PayDo focuses on simplifying and unifying payment infrastructure for global online businesses, reducing costs and operational complexity.

Who is Serhii Zakharov?
Serhii Zakharov is the CEO and Founder of PayDo and one of the youngest FCA-approved CEOs to run an Electronic Money Institution in the UK.

What is Direct SEPA and how does it benefit businesses?
Direct SEPA allows businesses to process euro transactions without intermediaries, ensuring faster, lower-cost, and transparent payments.

How do USD SWIFT accounts improve cross-border transactions?
USD SWIFT accounts provide direct access to the SWIFT network, reducing delays and fees in international USD transactions.

What are C2B Open Banking collections accounts?
These accounts allow businesses to receive instant, direct bank-to-business payments from customers, offering real-time settlement and lower costs.

What is the advantage of direct Visa and Mastercard acquiring?
Direct acquiring eliminates intermediary layers, reducing processing costs, improving authorization rates, and providing greater transparency for merchants.

How does PayDo’s unified ecosystem help businesses?
It integrates multiple payment services into a single platform, streamlining operations, improving efficiency, and reducing administrative burden.

Which industries benefit most from PayDo’s services?
Industries such as e-commerce, IT services, marketplaces, gaming, and fintech benefit from faster settlements, lower costs, and enhanced operational control.

Is PayDo compliant with international regulations?
Yes, PayDo operates under full regulatory compliance in the UK, Canada, and the EU, ensuring secure and lawful payment processing.

How much does PayDo process annually?
PayDo processes over €5 billion annually for more than 1,000 businesses worldwide.