Your PayDo benefits
Multicurrency IBAN account in 19 currencies
Go global — hold, send, and receive money in different currencies from one smart account
Multicurrency IBAN account in 19 currencies
Free opening and maintenance
Enjoy free account opening and zero maintenance fees for seamless financial management
Free opening and maintenance
Account details for cross-border transfers
Local and international account details, at your service in just a few clicks. Generate unique IBANs and SWIFT/BIC codes to access any market
Account details for cross-border transfers
Physical and virtual cards
Experience the full spectrum of PayDo services, online and offline. Shop in the most convenient way— anytime, anywhere
Physical and virtual cards
Payment on checkout
Pay in seconds by choosing PayDo at checkout and complete your purchase. Immediate, secure payments directly from your account during online checkout
Payment on checkout
Top-up with cards or by APMs
Fund your account through a variety of payment channels. Support top-ups through card networks (Visa, Mastercard) and 350+ payment methods
Top-up with cards or by APMs
Free payments to/from other PayDo users
Enable transactions with zero internal fees between PayDo user accounts. Instant and fee-free transfers within the PayDo user network
Free payments to/from other PayDo users
Real-Time Dashboard
Get complete financial control with PayDo’s all-in-one dashboard. Track transactions, manage balances, and make informed decisions in real time—everything you need for seamless financial management in one place
Monitor payments
Monitor payments
Access detailed transaction history, export reports, and monitor payment statuses in one place with real-time updates
Maximize efficiency
Maximize efficiency
Refine workflows, manage permissions, API keys, and notifications
All-in-one financial HQ
All-in-one financial HQ
Order cards, manage payments, add a checkout solution, or set up an IBAN account— all from a single dashboard
Streamline business transactions
Streamline business transactions
Manage linked cards, reports, and project balances to optimize cash flow and financial planning
Flexibility in currency exchange
Get account details to send and receive payments in 19 currencies, including EUR, GBP, and AUD, via SEPA, SEPA Instant, Cross-border, and Faster Payments. Store funds in different currencies for free and utilize the full scope of online payment solutions.
Czech Koruna
Czech Koruna
Swedish Krone
Swedish Krone
Romanian Leu
Romanian Leu
Polish Zloty
Polish Zloty
US Dollar
US Dollar
Danish Krone
Danish Krone
Canadian Dollar
Canadian Dollar
Euro
Euro
Hungarian Forint
Hungarian Forint
Norwegian Krone
Norwegian Krone
Swiss Franc
Swiss Franc
British Pounds
British Pounds
Czech Koruna
Czech Koruna
Swedish Krone
Swedish Krone
Romanian Leu
Romanian Leu
Polish Zloty
Polish Zloty
US Dollar
US Dollar
Danish Krone
Danish Krone
Canadian Dollar
Canadian Dollar
Euro
Euro
Hungarian Forint
Hungarian Forint
Norwegian Krone
Norwegian Krone
Swiss Franc
Swiss Franc
British Pounds
British Pounds
Czech Koruna
Czech Koruna
Swedish Krone
Swedish Krone
Romanian Leu
Romanian Leu
Polish Zloty
Polish Zloty
US Dollar
US Dollar
Danish Krone
Danish Krone
Canadian Dollar
Canadian Dollar
Euro
Euro
Hungarian Forint
Hungarian Forint
Norwegian Krone
Norwegian Krone
Swiss Franc
Swiss Franc
British Pounds
British Pounds
Czech Koruna
Czech Koruna
Swedish Krone
Swedish Krone
Romanian Leu
Romanian Leu
Polish Zloty
Polish Zloty
US Dollar
US Dollar
Danish Krone
Danish Krone
Canadian Dollar
Canadian Dollar
Euro
Euro
Hungarian Forint
Hungarian Forint
Norwegian Krone
Norwegian Krone
Swiss Franc
Swiss Franc
British Pounds
British Pounds
Czech Koruna
Czech Koruna
Swedish Krone
Swedish Krone
Romanian Leu
Romanian Leu
Polish Zloty
Polish Zloty
US Dollar
US Dollar
Danish Krone
Danish Krone
Canadian Dollar
Canadian Dollar
Euro
Euro
Hungarian Forint
Hungarian Forint
Norwegian Krone
Norwegian Krone
Swiss Franc
Swiss Franc
British Pounds
British Pounds
Czech Koruna
Czech Koruna
Swedish Krone
Swedish Krone
Romanian Leu
Romanian Leu
Polish Zloty
Polish Zloty
US Dollar
US Dollar
Danish Krone
Danish Krone
Canadian Dollar
Canadian Dollar
Euro
Euro
Hungarian Forint
Hungarian Forint
Norwegian Krone
Norwegian Krone
Swiss Franc
Swiss Franc
British Pounds
British Pounds

Issue physical and virtual cards

Access your money anywhere with a physical or virtual card, make transactions easily, and manage your finances on the go
Join thousands of PayDo customers around the world
Experience the convenience and flexibility that businesses and individuals around the world rely on with PayDo
Join thousands of PayDo customers around the world

PayDo it now, be proud of
yourself later

Secure financial protection

Secure financial protection

PayDo is regulated by the UK, Canada and Malta licences to protect your funds and personal information

Real-time reporting

Real-time reporting

Enjoy real-time reporting by downloading your payment history in PDF or Excel formats for any custom period, giving you clear and transparent insights into your transactions

Dedicated customer support

Dedicated customer support

Our customer support is available 24/7 through Zendesk chat, providing fast and reliable assistance whenever you need it

API Libraries

API Libraries

Ready-to-use plugins for fast and secure integration into fintech payment solutions

Ready to open an account with PayDo?

Ready to open an account with PayDo?

FAQ

To open a personal account, you will need:

  • A valid identity document: National ID card (front and back) or passport.
  • Proof of address: A utility bill (gas, water, electricity, mobile phone) no older than 3 months.

Once your application is completed, our team may contact you with additional questions to confirm your details

Funds are typically processed and deposited into our digital payment platform and your bank account within 2-5 business days, depending on the bank’s processing times.

PayDo ensures transparency in fees. You can find a detailed list of all fees and transaction limits of our electronic payment solution in the “Pricing & Limits” section, available in your account’s left-hand menu or in the “Pricing” page

Yes, PayDo offers both virtual cards (ideal for online transactions) and physical cards (perfect for everyday purchases). Choose the option that best fits your lifestyle

PayDo is a global payment gateway that supports users worldwide, with a few exceptions. Please check our Prohibited Jurisdictions page for a full list of unsupported regions.

Yes, PayDo is both a high-risk and high-growth friendly payment solutions company. Study the list of industries that they serve and utilize the help of a dedicated account manager that specializes in your high-risk/high-growth industry

No, a single contract with PayDo grants you access to all of their electronic payment solutions: multicurrency IBANs, merchant account (checkout), mass payments, virtual and physical cards.

Yes, PayDo is ideal for freelancers, remote workers, and digital nomads. You can receive payments from clients globally, convert funds to your preferred currency, and withdraw via card or bank transfer. The platform supports fast access to your earnings with minimal fees and hassle.