Payoro

What is Payoro and what do they do?

Payoro is a fintech company offering payment orchestration, payout automation, and banking-style services through its Payoro Connect platform. Founded in 2020, the company operates from Gibraltar and Estonia and positions itself as a technology intermediary that connects merchants to licensed financial partners rather than acting as a bank or e-money institution itself.

Payoro’s platform is designed to support real-time money movement and account operations through APIs and dashboards. Core capabilities include SEPA payouts, mass payouts, and fiat and crypto fund management. The service is built around API connectivity, allowing businesses to integrate payment and payout functionality directly into their own systems while maintaining centralised control over flows and reporting.

Payoro also offers app-based online banking features such as digital account access, global IBAN support, and frictionless account opening using electronic identification. The company highlights coverage across more than 80 countries and promotes a transaction-based pricing model with no monthly fees.

Who is it for?

Payoro is primarily aimed at online businesses that require fast, scalable payout and orchestration capabilities. Typical target segments include crypto-related businesses, iGaming operators, marketplaces, PSPs, and platforms that need to move funds to users, partners, or merchants at scale.

The platform is relevant for companies that manage frequent outbound payments — such as payroll-like distributions, marketplace settlements, or user withdrawals — and want to automate these processes through APIs rather than manual banking operations. Businesses operating internationally may also benefit from Payoro’s global IBAN coverage and multi-country reach.

Because Payoro positions itself as an infrastructure layer rather than a consumer-facing financial product, it is generally best suited for companies with internal technical or payments teams that can integrate APIs and manage payment logic programmatically.

Why do businesses choose Payoro?

One of the main reasons businesses choose Payoro is payout performance and automation. The platform promotes real-time or near real-time SEPA payouts and mass payment capabilities, which can be critical for platforms where payout speed directly affects user experience.

Another factor is integration flexibility. Payoro provides RESTful APIs with documentation that allow businesses to embed payout, account, and fund management functionality into their own workflows. This can reduce reliance on manual banking processes and support higher transaction volumes.

Pricing structure is also positioned as a differentiator. By advertising zero monthly fees and transaction-based pricing, Payoro appeals to businesses that want predictable costs aligned with usage rather than fixed platform charges. Additional features such as e-ID onboarding, 24/7 support, and industry-specific tooling for Web3 and marketplaces further support its positioning as a payments infrastructure provider.

Is Payoro trustworthy?

Payoro operates as a technology intermediary and provides payment services through partnerships with licensed banks and e-money institutions that are subject to PSD2 and Strong Customer Authentication (SCA) requirements. The company also references a Canadian Money Services Business (MSB) registration as part of its AML and KYC compliance framework.

Public materials highlight strong operational claims, including high transaction success rates and continuous platform availability since 2021. However, Payoro’s own disclosures make it clear that payment services are delivered via partners, and account access can be restricted or suspended based on risk and compliance assessments.

Based on publicly available information, Payoro positions itself as a compliant, API-driven payments and payouts platform focused on high-throughput use cases, while trust and suitability are usually assessed in the context of each merchant’s regulatory and operational requirements.