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Pay.com

Pay.com Review

Is It the Right Payment Solution for Your iGaming Business?

Adequate
Payment Gateway / Orchestrator
Visit Pay.com

By the iGaming Payment Solutions Editorial Team ·

Founded in 2020-2021 by Teddy Sagi (the Playtech founder), Tom Vaknin, and Assaf Cohen (former Checkout.com VP Sales). Headquartered in Limassol, with London and Miami as the only other offices now that the Tel Aviv, San Francisco and Bangalore sites are gone. Around 80 employees, $100M committed line of credit from Sagi and Fin Capital. Self-describes as 'payments orchestration infrastructure' but operates as a Processor/ISO under Cross River Bank's BIN sponsorship in the US (announced March 2023, partnership since July 2022). Published US rate: 2.85% + $0.27 flat, with chargeback ($20) and refund ($0.50) fees, and EU card rates from 1.5% to 3.25% + EUR 0.20. iGaming is named as a target vertical in their February 2025 Volt open-banking partnership, but Pay.com holds zero gambling-jurisdiction licenses, has zero named iGaming operator clients (the named merchants are ExpressVPN, which carries a case study, Everything5pounds.com, a UK apparel reseller, and Capital.com, which is CFD trading rather than gambling), and no documented SoftSwiss/EveryMatrix/Slotegrator connectors. Trustpilot 3.6/5 from only 14 reviews, and the sample is noisy enough (one review praises a shelf, another mentions Dollar Tree) that the rating is essentially useless as a signal.

3.6/5 Trustpilot (14)
Founded Limassol, CyprusNo published count Payment Methods
SMB eCommerceMid-MarketNot a fit: iGaming CoreNot a fit: US Sports Betting
#Teddy Sagi#Cross River Bank#Volt Open Banking#2.85% + $0.27#Cyprus HQ#14 TP Reviews

News about Pay.com

All payment news
  • Product

    Pay.com moves iGaming to the front of its vertical list, without moving the license set

    The vertical list was rebuilt from five to seven and iGaming & Sports Betting now leads it, ahead of eCommerce, digital media, SaaS, travel, crypto and wealthtech. The licenses behind it did not change: PayComCy Limited remains a Cyprus Payment Institution under CBC 115.1.2.42, and the other three group entities are disclosed as not licensed. There is still no gambling-jurisdiction license and no named operator client.

    EBA PSD2 register entry for PayComCy Limited · Pay.com EEA licences and certification

  • Pricing

    Pay.com publishes a European card rate for the first time

    Pay.com now prices by region. Europe is 1.5% plus EUR 0.20 per successful transaction, the US stays at 2.85% plus $0.27, and the UK carries no published rate at all. Push-to-card payouts cost $1.00 on Visa Direct and on Mastercard Money Send, while the ACH band and the Card Account Updater fee are gone.

    Pay.com EU pricing · Pay.com US pricing

Quick Info

Type
Payment Gateway / Orchestrator
Founded
2020
HQ
Limassol, Cyprus
Pricing
Percentage plus fixed fee
APMs
No published countConfirmed: Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, PayPal, ACH and open banking via Volt. The public methods page lists cards and major wallets without an exhaustive list.
Settlement
Varies

Our iGaming Score: 5.5/10

Weighted scoring across five criteria

  • iGaming Fit

    Named iGaming as target vertical (Feb 2025 Volt PR) but zero gambling licenses, zero iGaming clients, zero platform connectors

    Weight
    30%
    Score
    6.0
    Rating
    Adequate
  • Geographic Coverage

    UK + EU/EEA + US (via Cross River). Roughly 30-40 countries. Not a global processor.

    Weight
    22%
    Score
    5.5
    Rating
    Adequate
  • Security & Compliance

    Central Bank of Cyprus PI license (115.1.2.42), PCI DSS, 3D Secure 2. No FCA or gambling license. US rails ride Cross River sponsorship.

    Weight
    20%
    Score
    4.0
    Rating
    Weak
  • Fees & Pricing

    2.85% + $0.27 in the US, 1.5% to 3.25% + EUR 0.20 in the EU by card type. US chargeback $20, refund $0.50, push-to-card $1.00 and FX 1.75%. No published debit, premium, or reserve terms.

    Weight
    16%
    Score
    4.5
    Rating
    Weak
  • Tech & Integration

    REST API + Shopify/WooCommerce/BigCommerce/Magento plugins, plus CRM connectors (Sticky.io, Konnektive, ChargeNation). No native mobile SDK. No public GitHub org.

    Weight
    12%
    Score
    8.5
    Rating
    Strong
  • User Trust

    3.6/5 Trustpilot but only 14 reviews, several of which are unrelated to payment processing. 64% 5-star and 36% 1-star with nothing in between. Useless sample.

    Weight
    context only
    Score
    7.2
    Rating
    Strong
  • Overall
    Weight
    100%
    Score
    5.5
    Rating
    Adequate

We score each provider on 5 weighted criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 30% because that is what matters most for gambling operators. Geographic Coverage gets 22%. Security & Compliance gets 20%. Fees & Pricing gets 16%. Tech & Integration gets 12%. The final score is a weighted average of those 5. Trustpilot is shown for context but carries no weight, since player reviews of casinos are not a read on B2B acquiring quality.

Score Explanation

iGaming Fit at 6.0 is the most heavily weighted number here and the one that misleads. Read the caption beside it, because it lists three zeros: no gambling-jurisdiction license, no named iGaming operator client, no platform connector. The scoring reads iGaming as the leading vertical in Pay.com's own positioning and grades the intent, so the number describes a strategy deck rather than a production product. Geographic Coverage at 5.5 is the plainest number on the card: the platform really does operate across the UK, the EU/EEA and the US through partner banks, but it is not a 200-country processor and there is no LATAM or APAC product behind the marketing. Fees & Pricing at 4.5 rests on published card rates of 1.5%, 2.5% and 3.25% + EUR 0.20 on standard, UK and international cards in the EU and 2.85% + $0.27 in the US. The US rate is fair for SMB eCommerce and uncompetitive for high-volume iGaming, where 1.5-2.5% is standard, and none of these rates is a gambling price, since Pay.com quotes high-risk verticals individually. The debit, premium and reserve terms are "contact sales." Security & Compliance is carried by the Central Bank of Cyprus Payment Institution license (no. 115.1.2.42), regulatory paper held in Pay.com's own name, plus PCI DSS. The US side still rides Cross River Bank's sponsorship, and nothing gambling-specific is held. Tech & Integration at 8.5 rewards the REST API, and the eCommerce plugins make Pay.com easy to bolt onto a WooCommerce or BigCommerce site. The missing developer ecosystem (no mobile SDK, no public GitHub organization, no packages) does not pull the number down. User Trust prints 7.2 off a Trustpilot 3.6/5, but the sample is 14 reviews with several unrelated to payment processing, so the honest reading is not enough data rather than a score.

Who Is Pay.com Best For?

The operator profiles that fit, and the ones that do not

Recommended For

  • SMB and mid-market eCommerce. A flat-rate processor with no enterprise contract to negotiate. The 2.85% + $0.27 published rate undercuts Stripe (2.9% + $0.30) and PayPal (2.9% + $0.49 for standard) for businesses doing $10k to a few hundred thousand a month in card volume. Onboarding takes 1-3 weeks instead of Stripe's instant approval, but that gap shrinks for businesses with documented revenue.
  • WordPress/WooCommerce shops. Shopify, WooCommerce, BigCommerce and Magento all take the payments layer as a drop-in plugin. Setup time stays inside the 1-2 week integration window. The dashboard handles fee breakdown, refunds, transaction history, and basic fraud filters. This is the Sonary review's sweet spot at 4.4/5: a usable platform for non-developer merchants.
  • Teams that want flat-rate simplicity. No surprise charges and no monthly subscription. The 'no hidden fees' positioning is real for card transactions specifically: 2.85% + $0.27 in the US, no monthly minimums, no statement fees, no PCI compliance fees. Push-to-card payouts are priced at $1.00 per transaction on Visa Direct and on Mastercard Money Send, and account name checking is $0.05. 3DS is free. Settlement costs $15.00 per batch sent to your bank account. That predictability has real value when you're forecasting unit economics.
  • Operators piloting a Volt open-banking flow. Testing an open-banking pay-in flow without integrating Trustly or TrueLayer directly. The February 2025 Volt partnership gives Pay.com customers access to Volt's Instant Bank Transfer across 31 markets (UK, EU, Brazil, Australia). Volt's SDK supports in-app redirect-less flows. For WealthTech and retail use cases this is a clean shortcut. For iGaming specifically, a direct Trustly or Brite integration probably outperforms the Pay.com → Volt stack on both cost and conversion.

Not Recommended For

  • Licensed iGaming operators. MGA, UKGC, Isle of Man, Curaçao, Kahnawake: Pay.com does not hold gambling-jurisdiction licenses, does not advertise gambling acquiring, and uses Cross River Bank for US rails. Cross River has historically been cautious about gambling exposure. Nuvei, Paysafe, and Worldpay all carry the specific licenses regulated operators are expected to use, while Pay.com does not.
  • US-regulated sportsbooks. US state gambling licenses are a hard requirement for a DraftKings, FanDuel or BetMGM-class book, and Pay.com does not hold them. The Cross River sponsorship handles general processing rather than a sports betting acquiring relationship. Nuvei holds the actual state licenses and is the standard pick here.
  • Crypto-first platforms. Pay.com is fiat only, so crypto pay-ins and pay-outs have nowhere to land. No published BTC, ETH, USDT, or other crypto support. NOWPayments, BitPay, CoinsPaid, and CoinGate handle this space.
  • Operators needing mass payouts. Affiliate networks, sportsbook bonuses and large daily withdrawal volumes all need a payout layer. Pay.com has no documented mass-payout product, no published payout limit, and no payout-specific pricing. Inpay, Paysafe, and Nuvei all have proper mass-payout layers.
  • LATAM-heavy traffic. Coverage is UK, EU and US. No PIX, no OXXO, no Boleto, no SPEI, no PSE. AstroPay and PayRetailers cover this depth properly.
  • Negotiators who need a full published rate card. The 2.85% + $0.27 US rate and the 1.5% to 3.25% + EUR 0.20 EU card rates are real, and so are the US chargeback ($20), refund ($0.50) and FX (1.75%) fees, but the rest (rolling reserve, debit card rate, enterprise discount tiers) is 'contact sales.' UK merchants and gambling operators are quoted individually. Procurement teams optimizing on basis points need a competitor with a published interchange-plus or IC++ structure.

Geographic Coverage

Per-market verdict, regions, and market focus

One provider, two answers. The verdict flips depending on who is asking, and that is the point. The overall score rates the company. This rates the fit for your market.

Offshore operator

Curaçao / Anjouan license, serving grey and restricted markets.

Limited at best, in 1 market.

Licensed operator

Holds the local license in a regulated market.

Limited at best, in 1 market.

Market-by-market verdict

No market reaches Solid for an offshore operator; the strongest cells below are Limited.

2 Limited
MarketCasinoSportsbook
PL Poland
Limited39
Limited38

The tier is the verdict. The small number orders providers inside a tier, and it is not a provider-level score. Full method on our methodology page.

RegionsEuropeNorth AmericaMiddle East

Coverage Analysis

UK and EU/EEA are the primary footprint, served through the Cyprus and London entities. US is covered through PayCom Us, Inc. operating as Processor/ISO under Cross River Bank's BIN sponsorship, which became a formal partnership in March 2023. No published country list. Estimated coverage is around 30-40 countries based on EU passporting plus UK and US plus a handful of MENA markets per third-party profiles. This is not a 200-country global processor.

Regional Breakdown

The geographic gap that matters for iGaming: LATAM and APAC coverage is effectively zero in product terms. No PIX, OXXO, Boleto, SPEI, PSE, GCash, or any of the local payment methods that move money in those regions. If your players are concentrated in Brazil, Mexico, Colombia, the Philippines, or India, Pay.com does not solve your payment problem. AstroPay and PayRetailers cover LATAM, Praxis and dLocal cover broader emerging markets, and Nuvei covers a global mix. The Africa and CIS gaps are similar, and Cellulant covers Africa. Where Pay.com does work is the EU/UK/US triangle, which is meaningful for WealthTech and retail but not enough to anchor a global iGaming product.

Key Features for iGaming Operators

Products, payment methods, and verticals

Key Products

  • Payment Gateway
  • Smart Routing
  • Custom Checkout
  • Open Banking (via Volt)
  • Payouts (Visa Direct, Mastercard Money Send)
  • Network Tokenization
  • RDR
  • Ethoca Alerts

Pay.com is a payments orchestration platform with a built-in processing layer. The Gateway accepts cards, wallets, and ACH through Cross River acquiring in the US and partner-bank acquiring in the EU/UK. Orchestration routes transactions across multiple partner acquirers, so if one acquirer encounters issues, traffic reroutes automatically. Checkout offers a hosted, brand-matched flow with customizable styling. Pay Links lets a merchant generate a checkout URL without integrating an API (useful for invoicing and one-off charges). Virtual Terminal supports phone and mail-order card entry by the merchant. The February 2025 Volt partnership added Instant Bank Transfer across 31 markets as a fifth product line. Payouts are a documented product line now, settled on a schedule the merchant sets, with push-to-card priced at $1.00 per transaction on Visa Direct and on Mastercard Money Send. Network tokenization and three dispute tools, RDR, Ethoca Alerts and Mastercard Collaboration, sit alongside them as priced add-ons.

Payment Methods

Ten named methods, with no published count behind them. Cards: Visa, Mastercard, American Express, Discover, Maestro. Wallets: PayPal, Apple Pay, Google Pay. Bank transfers: ACH (US), open-banking instant bank transfer via Volt across 31 markets (post-February 2025). The headline-comparison numbers matter here. Nuvei runs 720+ methods, Paysafe 260+ and Worldpay around 300+. Pay.com is an order of magnitude smaller. For SMB eCommerce in the EU/UK/US triangle that is fine, since cards and PayPal cover 90%+ of the volume. For iGaming where local methods are conversion-critical (PIX in Brazil, iDEAL in Netherlands, Trustly in Sweden, Boleto in Brazil), the gap is the product story rather than a footnote. BLIK in Poland is the one country-specific rail Pay.com names.

Verticals

Pay.com sells to iGaming first, at least in the ordering. The vertical list was rebuilt to seven in 2026 and iGaming & Sports Betting leads it, ahead of eCommerce & Retail, Digital Media & Streaming, SaaS & Software Platforms, Travel & Hospitality, Crypto & Digital Assets and WealthTech & Investment Platforms. The positioning moved, but the product did not. No public iGaming case studies, no operator client logos, no platform connectors, no gambling-specific compliance features (responsible gaming, self-exclusion, deposit limits). The Teddy Sagi founding investor relationship is the iGaming credibility on paper: Sagi founded Playtech in 1999 and built one of the largest gambling software businesses in the world. That pedigree is the reason Pay.com talks about iGaming at all. The January 2026 Paysafe partnership is the first step that looks like product rather than positioning, with Paysafe as a recommended acquirer for regulated iGaming and the Skrill, Neteller and paysafecard wallets available as APMs.

  • iGaming
  • Sports Betting
  • eCommerce
  • Retail
  • Digital Media/Streaming
  • SaaS
  • Travel/Hospitality
  • Crypto/Digital Assets
  • Wealthtech
MethodsConfirmed: Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, PayPal, ACH and open banking via Volt. The public methods page lists cards and major wallets without an exhaustive list.
No published count
Crypto
None
Currencies
Multi-currency
iGaming integrations
0
  • Deposit ProcessingAvailable

    No published count payment methods, Instant

  • Withdrawal / PayoutNot available

    Not published

  • Instant WithdrawalsNot available

    Not published

  • KYC / AML Built-inAvailable

    Semi-auto

  • Chargeback ProtectionNot available

    Merchant

  • Multi-CurrencyAvailable

    USD, EUR, GBP, Multi-currency via Volt

  • API IntegrationAvailable

    REST API + hosted page + plugins

  • Crypto SettlementNot available

    Fiat settlement only

  • Local Payment MethodsAvailable

    Local rails in 1 market

  • iGaming SpecializationAvailable

    Flat 2.85% + $0.27 pricing, free 3DS2, smart routing, open banking via Volt, custom checkout

  • Geographic CoverageAvailable

    32 countries across Europe, North America, Middle East

Pricing & Fee Structure

Fee structure and pricing model

Rate Card

Percentage plus fixed fee
Deposit Fee

2.85% + $0.27The US rate, charged per successful transaction. In the EU, Pay.com charges 1.5% on standard cards, 2.5% on UK cards and 3.25% on international cards, each plus EUR 0.20. Merchants in the UK and the rest of the world are quoted individually.

Withdrawal Fee

On request

Settlement

Varies

Methods

No published countConfirmed: Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, PayPal, ACH and open banking via Volt. The public methods page lists cards and major wallets without an exhaustive list.

FX Markup

1.75% (US)

Setup / Monthly

None

Integration Fee

$0

Revenue Share

No

Pricing Details

Pay.com prices by region and publishes rates for two of its three regions. The US rate is 2.85% + $0.27 per successful card transaction. In the EU, standard cards cost 1.5% + EUR 0.20, UK cards 2.5% + EUR 0.20 and international cards 3.25% + EUR 0.20, each per successful transaction. Merchants in the UK and the rest of the world are quoted individually. No region charges a setup fee, and SMB plans carry no monthly fee or minimum. In the US, Pay.com also charges $20.00 per chargeback, $0.50 per refund, $1.00 per push-to-card payout on Visa Direct or Mastercard Money Send, $0.05 per account name check, $15.00 per settlement batch and a 1.75% FX fee on transactions settled in another currency. 3D Secure authentication is free. The rest (debit card rates, premium card surcharges, FX outside the US, rolling reserves) is 'contact sales', so the firm numbers a merchant can negotiate against are the published card rates and the US fee schedule. For comparison: Stripe US standard is 2.9% + $0.30, PayPal standard is 2.9% + $0.49, Square is 2.6% + $0.10 in-person or 2.9% + $0.30 online. The US rate is right in line with mainstream SMB processors and well above what high-volume iGaming gets at 1.5-2.5%. None of the published rates is a gambling price, because Pay.com quotes high-risk verticals individually. No rolling reserve has been publicly disclosed (neither the percentage nor the hold period), which is unusual for any gambling-adjacent processor.

Speed & Settlement

Transaction processing and settlement timelines

Deposit

Instant

Player-initiated
Withdrawal

Not published

Operator payout
Settlement

Varies

To operator account
Currencies

Multi‑currency

Settlement options
Refunds

Not published

Processing time

Deposits process instantly at the gateway level. There is no documented payout product, so what a payout would inherit is the underlying rail: real-time on Volt open banking, 1-3 business days on standard ACH, 5-10 business days on card refunds. Settlement to the merchant account is T+1 to T+3, competitive for the SMB tier (Stripe is T+2 standard, Square is T+1 to T+2 next-day deposit). Refund processing at 5-10 business days is slower than AstroPay's 1-3 days or Brite's instant refunds. For an iGaming operator running frequent bonus refunds or chargeback responses, this would create real player-facing friction. For a B2B WealthTech or retail use case it is fine. No published cut-off times for same-day settlement and no premium settlement tier disclosed.

Integration & Tech

Developer experience and technical capabilities

API Type
REST API + hosted page + plugins
Onboarding
3-28 daysPay.com reviews every application before opening an account.
Sandbox
YesPay.com runs two test environments, staging and sandbox, and tells a merchant which one to integrate against. Test mode simulates clearing for reconciliation work, though Pay.com documents no test cards.
Mobile SDK
YesVolt SDK referenced for in-app open banking flows. Pay.com's own mobile SDK not separately documented.
White-Label
No
Docs Quality
Good

Integration Time

Days to 2 weeks

View API Documentation

Integration Assessment

REST API documented at pay.com/docs/api and apiref.pay.com. Pre-built plugins for Shopify, WooCommerce, BigCommerce, and Magento, the four platforms that cover most SMB eCommerce volume. Additional connectors for subscription/CRM platforms (Sticky.io, Konnektive, ChargeNation.io) which are common in direct-response retail. Volt SDK available for in-app open-banking redirect-less flows. No native iOS or Android SDK published by Pay.com itself. No public GitHub organization, no public npm packages, no Postman collection link. Documentation is rated Good rather than Excellent because the developer ecosystem footprint is minimal compared to Stripe or Checkout.com. Sandbox environment is available. Integration timeline is 1-2 weeks for a typical merchant with a supported platform plugin, longer for a custom REST integration. 3D Secure 2 is native with risk-based authentication and PSD2 SCA exemption handling.

Risk & Compliance

Licensing, fraud prevention, and regulatory compliance

KYC/AML Automation
Available. Semi-auto
Chargeback Protection
Not available. Merchant

Licenses and Registrations

  • PCI SSCPCI DSS
  • FDIC-insured sponsor bankSponsor bankpartner-heldCross River Banksince Jul 2022

    US card processing runs on the bank's BINs, which puts the US side inside the bank's regulated perimeter. The arrangement covers general processing and is not gambling-specific.

Fraud Prevention
3D Secure 2.0, customizable fraud filters
Responsible Gaming
No
Tokenization
YesCard vault implied by PCI DSS Level 1 status and Card Account Updater service ($0.25/update).
Dispute Resolution
In-dashboard Help Center

Compliance Context

PCI DSS compliant. 3D Secure 2 with risk-based authentication, frictionless flow for low-risk transactions, and SCA exemption handling. Customizable fraud filters in the Pay Dashboard, with no named ML fraud vendor (no Sift, Forter, Riskified, or in-house ML disclosed). Cyprus entity Paycomcy Limited (HE 408974) handles the EMEA side, while US PayCom Us, Inc. operates under Cross River Bank's BIN sponsorship and falls under Cross River's regulated perimeter. The compliance team in Cyprus is led by Christophoros Pericleous (Head of Compliance & AMLCO). Paycomcy Limited holds a Central Bank of Cyprus Payment Institution license (no. 115.1.2.42), which authorizes EU acquiring. What Pay.com does not hold is an FCA EMI/PI license or any gambling-jurisdiction license. For iGaming-regulated operators, this matters: your acquirer needs to be authorized for gambling MCCs (7995), and the underlying Cross River relationship is general processing, not gambling-specific.

Regulatory Position

PCI DSS compliant. 3D Secure 2 with PSD2 SCA exemption handling. Cyprus entity Paycomcy Limited (HE 408974) holds a Central Bank of Cyprus Payment Institution license (no. 115.1.2.42), granted May 19, 2022, and passported into 28 other EEA states, which gives the EU side a regulated footing of its own. What that authorization covers is not spelled out in a way that supports the acquiring language the marketing now uses. US operations as PayCom Us, Inc. (Delaware) under Cross River Bank BIN sponsorship, with no separate US money transmitter or NMLS registration disclosed for Pay.com itself. No standalone FCA EMI/PI license disclosed for Pay.com. No gambling-jurisdiction licenses (MGA, UKGC, Isle of Man, Curacao, Kahnawake). The US posture is sponsor-bank-dependent, which is normal for an orchestration-first business model but matters when iGaming operators expect their acquirer to be directly licensed for gambling MCCs.

About Pay.com: Company Background

Company and product information

Company Name
Pay.com
Headquarters
Limassol, Cyprus
Founded
2020
Employees
~81
Company Type
Private
Product Type
Payment Gateway / Orchestrator
Licenses
PCI SSC PCI DSS, FDIC-insured sponsor bank Sponsor bank (partner-held)
Key Products
Payment Gateway, Smart Routing, Custom Checkout, Open Banking (via Volt), Payouts (Visa Direct, Mastercard Money Send), Network Tokenization, RDR, Ethoca Alerts
Website
pay.com
Supported Verticals
iGaming, Sports Betting, eCommerce, Retail, Digital Media/Streaming, SaaS, Travel/Hospitality, Crypto/Digital Assets, Wealthtech
Integration Type
REST API + hosted page + plugins
Settlement Speed
Varies
Onboarding Speed
3-28 days
Named iGaming Clients
Not published

Company History

Founded in 2020 by Teddy Sagi, Tom Vaknin, and Assaf Cohen in Limassol, Cyprus, with public launch in 2021. Sagi is best known as the founder of Playtech (1999), the gambling software vendor that went public on the LSE and has supported many of the largest online casinos and sportsbooks. Vaknin, now Group CEO, leads the company. Cohen, a co-founder who left Pay.com in February 2024 (he now runs PressPay Technologies), was previously VP Sales at Checkout.com and Director of Business Development at Payoneer, a payments-specific background that explains the orchestration positioning.

The Cross River Bank partnership began in July 2022 and was formally announced in March 2023. This is the regulatory and acquiring foundation for the US market: Cross River is a New Jersey state-chartered bank that provides BIN sponsorship to fintechs (Stripe, American Express, and many others). Pay.com operates as Processor/ISO under that sponsorship. The group runs on four entities and only one of them is licensed. PAYCOMCY LIMITED (HE 408974) holds the Cyprus Payment Institution authorization, granted May 19, 2022, and passported into 28 other EEA states. PAY TECHNOLOGIES (CY) LIMITED (HE 437492), PAY.COM US, INC. (Delaware file 6425328) and MR. MERCHANT PAY, INC. (Delaware file 10548423) are each disclosed as not licensed or regulated.

February 2025 Volt partnership: Volt's Instant Bank Transfer became a native payment method inside Pay.com, with merchants able to integrate via web checkout or Volt's SDK for in-app flows. The press release explicitly named three target verticals (WealthTech, retail, and iGaming), making this the first formal public iGaming positioning from Pay.com. The follow-up landed January 16, 2026: a strategic partnership with Paysafe, with Paysafe as a recommended acquirer for Pay.com merchants including regulated iGaming, and Skrill, Neteller and paysafecard integrated as APMs. Paysafe was already processing for several Pay.com merchants, with 20+ more expected to onboard through 2026.

Current state: around 80 employees and three offices, Limassol (HQ), London and Miami, down from six: the Tel Aviv R&D site, San Francisco and Bangalore are gone, Miami is new. $100M committed line of credit from Teddy Sagi and Fin Capital. Privately held. No formal Series A/B/C round publicly disclosed.

What Users Say About Pay.com

Our analysis of 14 reviews from Trustpilot and industry sources

3.6out of 514 reviews
5 stars964%
1 star536%

Review Analysis

Trustpilot 3.6/5 from just 14 reviews. The distribution is extreme: 64% 5-star, 36% 1-star, zero 2/3/4-star. With a sample that small the rating is statistical noise, since each review moves the average by roughly 7 percentage points. Reading through the reviews, several are clearly unrelated to payment processing (one praises a shelf, another mentions Dollar Tree), so the signal is even thinner than the count suggests. The Limassol-tagged sub-page shows 3.8/5 from 2 reviews. The London-tagged sub-page shows 2.9/5 from 2 reviews. Trustpilot flags that Pay.com 'hasn't replied to negative reviews.' Sonary's editorial review (not user-generated) puts Pay.com at 4.4/5 and cites flat-rate transparency, multi-acquirer reliability, and the customizable checkout as strengths. Limited customer support hours is the main weakness called out.

Context for Operators

Compare review volume to peers: Nuvei has 858 Trustpilot reviews, Paysafe group brands over 100,000 combined, and the sentiment splits hard inside that: paysafecard sits at 4.6/5 with 80% five-star while Skrill sits at 3.7/5, Worldpay around 10,000, AstroPay over 9,500. Stripe has none on Trustpilot because it doesn't solicit consumer reviews. Pay.com's 14 reviews is one of the smallest samples in the catalog, though Yaspa and IXOPAY each sit on a single review. The two most common operator-relevant complaint themes in the negative reviews are pricing opacity (Pay.com publishes card rates only for the US and the EU, and quotes merchants elsewhere and in high-risk verticals individually) and application-based onboarding rejecting sub-threshold merchants. Some 1-star reviews appear mis-attributed from Paycom (the Oklahoma City payroll company), which inflates the negative ratio. Read the rating as 'too early to tell' rather than 'bad.'

Client Evidence

Pay.com shows ExpressVPN and Everything5pounds.com (UK discount apparel reseller) on its logo strip, both with a case study behind them, alongside Capital.com (CFD trading), which had previously only been referenced through the company's LinkedIn channel. Everything5pounds.com, led by CEO Cenk Dumlupinar, raised its authorization rates by 10% on Pay.com. Beyond these three, no marquee logos are publicly disclosed, no published iGaming operator clients, and no case studies in the format Checkout.com, Stripe, or Adyen use. For an operator audience, the absence of named gambling clients is information by itself: six years in, marquee gambling logos should exist if they are signing in volume.

Operational Details

Business terms, contracts, and support

Dedicated Account Manager
Enterprise accounts onlyPay.com sets the threshold at $800k in annual volume.
Minimum Monthly Volume
No public minimumApplications can be declined for failing an internal volume threshold, per a Pay.com response on Trustpilot.
Contract Lock-In
Not published
Migration Support
No
Min/Max Transaction
Not published
Biometric / One-Click
Yes
Reporting
Real‑time dashboard

Frequently Asked Questions

10 questions about Pay.com

Our Verdict: Should You Use Pay.com?

Final assessment for iGaming operators

Adequate

Overall iGaming Score

Summary

Pay.com is an interesting payments orchestration platform with a serious iGaming pedigree on the founder side (Teddy Sagi built Playtech) and a credible operator team under Group CEO Tom Vaknin (co-founder Assaf Cohen, ex-Checkout.com, left in February 2024). The platform itself is best understood as a flat-rate SMB and mid-market eCommerce processor with multi-acquirer routing, Volt open-banking integration, and US rails via Cross River Bank sponsorship. It is not yet an iGaming PSP in any meaningful production sense: no gambling licenses, no operator clients on the website, no SoftSwiss/EveryMatrix/Slotegrator integrations, and no gambling acquiring of its own beyond general Cross River sponsorship. The intent is clear, and the January 2026 Paysafe deal that routes regulated iGaming to a licensed acquirer is the first move that looks like product rather than positioning, but the proof is not yet there.

Strongest Point

Founder-investor pedigree and a coherent orchestration product. Teddy Sagi backing the company with $100M committed and a Playtech-founder reputation creates the strongest iGaming-credibility signal in the SMB processor space, and no other 80-person processor has that pedigree. The orchestration product (multi-acquirer routing, Volt open-banking layer, customizable checkout, three eCommerce platform plugins, Cross River US sponsorship) is a working, sellable bundle for SMB and mid-market merchants in the EU/UK/US triangle. The flat-rate 2.85% + $0.27 is straightforward pricing.

Key Limitation

Zero proof in iGaming, the vertical the company keeps naming. No gambling-jurisdiction license held by Pay.com itself. No public iGaming operator client list. No pre-built integration with any of the major iGaming platforms (SoftSwiss, EveryMatrix, Bragg, Altenar, BetConstruct, Slotegrator). No gambling-specific compliance features (responsible gaming, self-exclusion API, deposit limit enforcement, source-of-funds workflows). No mass-payout product. No LATAM or APAC local methods. The Trustpilot sample of 14 reviews is too small to be a useful trust signal. For a company in production since 2021 these are real gaps relative to where competitors stand.

Recommendation

Skip Pay.com for licensed iGaming production stacks today and use Nuvei, Paysafe, Worldpay, or PayRetailers as the primary processor instead. Watch Pay.com over the next 12-18 months: the Sagi backing plus the Volt iGaming positioning suggest a real product push, and if gambling licenses or platform connectors get announced, the calculus changes quickly. For SMB or mid-market eCommerce in the EU/UK/US triangle with a need for multi-acquirer routing or a Volt open-banking pilot, Pay.com is a reasonable consideration alongside Stripe and Checkout.com.

Pros

  • Strong founder-investor pedigree. Teddy Sagi founded Playtech in 1999 and built one of the largest gambling software businesses globally. He co-founded Pay.com and backs it with a $100M committed line of credit alongside Fin Capital. No other 80-person processor has that level of iGaming-industry credibility on the cap table. Co-founder Assaf Cohen brought Checkout.com VP Sales experience, a payments-specific operator background (he left Pay.com in February 2024, and Tom Vaknin now runs the company as Group CEO).
  • Flat-rate published pricing in two regions. In the US, 2.85% + $0.27 per card transaction, chargeback $20, refund $0.50, push-to-card $1.00, settlement $15 per batch. In the EU, 1.5%, 2.5% or 3.25% + EUR 0.20 on standard, UK and international cards. 3DS free. No monthly subscription, no setup cost, no minimum fee, no statement fees, no PCI compliance fees. The predictable cost model is useful for SMB merchants forecasting unit economics, and it matches Stripe (2.9% + $0.30) at the headline.
  • Multi-acquirer orchestration built into the product. Pay.com works with multiple payment acquirers and reroutes transactions automatically when one of them runs into trouble. Most SMB-tier processors run on a single acquiring relationship, so an outage at the acquirer side becomes an outage for the merchant. The orchestration layer gives uptime resilience without the merchant having to manage multiple PSPs themselves.
  • Four major eCommerce platform plugins. Shopify, WooCommerce, BigCommerce, and Magento all have pre-built integrations, and together those platforms run the majority of SMB eCommerce traffic. Subscription-CRM merchants get native connectors for Sticky.io, Konnektive, and ChargeNation.io. Plugin-based integration drops the setup time to 1-2 weeks for most merchants, faster than custom REST API work. Stripe and Checkout.com have broader plugin marketplaces overall but Pay.com hits the platforms that matter for SMB online retail.
  • Native Volt open-banking integration across 31 markets. The February 2025 partnership added Instant Bank Transfer pay-ins to the standard Pay.com checkout, with a Volt SDK option for in-app redirect-less flows. For EU and UK merchants this gives an account-to-account method alongside cards without integrating Trustly or TrueLayer directly. Open banking pay-ins typically run at 0-1% versus 2-3% for cards.
  • Pay.com publishes more of its pricing than is usual for the SMB processor tier. US merchants pay 2.85% + $0.27 per transaction, with each add-on priced too, from the $15 settlement fee and the 1.75% FX fee to RDR at $20 and Ethoca alerts at $30. EU merchants pay 1.5%, 2.5% or 3.25% + EUR 0.20 on standard, UK and international cards. The UK and the rest of the world get a custom quote, and so do high-risk verticals, but a low-risk merchant in the US or the EU starts a negotiation from real numbers.

Cons

  • No gambling-jurisdiction licenses. Pay.com does not hold an MGA, UKGC, Isle of Man, Curacao, Kahnawake, or US state gambling license. For licensed iGaming operators where the acquirer is expected to be authorized for gambling MCC 7995, this is disqualifying. Nuvei holds the full stack including US state licenses, and Paysafe holds MGA and UKGC. Pay.com rides Cross River Bank's US sponsorship, which is general processing, not gambling acquiring.
  • No documented iGaming track record. Zero public iGaming operator clients on the Pay.com site. No SoftSwiss, EveryMatrix, Bragg, Altenar, BetConstruct, or Slotegrator integration. No published case studies for gambling operators. No gambling-specific product features (responsible gaming API, self-exclusion, deposit limits, source-of-funds workflows). iGaming is named in the February 2025 Volt partnership PR as a target vertical, but the production product gap is still wide.
  • Trustpilot sample is too small to be meaningful. 14 total reviews split 64% 5-star / 36% 1-star with zero in the middle. Nuvei has 858 reviews, Paysafe group brands over 100,000 combined (most on paysafecard and Skrill), Worldpay around 10,000, AstroPay over 9,500. The Pay.com sample is one of the smallest in the catalog. Some 1-star reviews appear mis-attributed from Paycom (the unrelated Oklahoma City payroll company). 'Too early to tell' is the only fair reading.
  • No mobile SDK, no public GitHub org, minimal developer ecosystem. Pay.com publishes a REST API and three eCommerce platform plugins, but there are no native iOS/Android SDKs, no public language SDKs for JavaScript, Python, Java or PHP, no public GitHub organization, no community-developed integrations, and no npm package presence. For developer-led integration projects this is a meaningful gap versus Stripe, Checkout.com, or Adyen.
  • Pricing transparency stops early. The 2.85% + $0.27 US rate and the EU card rates (1.5% to 3.25% + EUR 0.20) are real, and the US fees for chargebacks ($20), refunds ($0.50), push-to-card ($1.00), settlement ($15) and FX (1.75%) are published, but there is no published UK rate, debit card rate, premium card surcharge, FX fee outside the US, rolling reserve percentage or hold period, or enterprise volume-tier rate card, and high-risk verticals are quoted individually. Procurement teams negotiating against Checkout.com or Nuvei need anchor numbers Pay.com does not provide.
  • Coverage gap on LATAM, APAC, Africa, and CIS local methods. Pay.com operates in the EU/UK/US triangle effectively. No PIX, OXXO, Boleto, SPEI, PSE, iDEAL-direct, GCash or M-Pesa, and none of the other regional methods that move money in iGaming-relevant emerging markets. BLIK in Poland is the single country-specific rail named anywhere. AstroPay and PayRetailers cover LATAM, Cellulant covers Africa. Pay.com is not the tool for operators with significant non-Western traffic.

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Pay.com vs. Alternatives: How It Compares

Similar payment processing solutions

For licensed iGaming operations, Nuvei is the default enterprise choice: 720+ methods, US state gambling licenses, a DraftKings/FanDuel/BetMGM client roster. Paysafe brings the gambling licensing Pay.com does not have, plus the Skrill and Neteller captive wallet audience, and since January 2026 it sits behind Pay.com as a recommended acquirer anyway. For SMB eCommerce in the EU/UK/US triangle, Stripe and Checkout.com are the natural comparisons. For Volt open-banking specifically, going direct to Trustly or TrueLayer is usually cheaper than going via Pay.com.

When to Choose an Alternative

  • Nuvei

    Choose Nuvei if you are a licensed iGaming operator at $500k+ monthly. Nuvei holds the gambling licenses Pay.com does not (MGA, UKGC, Isle of Man, US states) and lists DraftKings, FanDuel, and BetMGM as clients. The pricing is heavier (1.5-3.5% plus 5-10% reserve for 6 months) but the product actually does iGaming.

  • Paysafe

    Choose Paysafe if Skrill and Neteller wallet traffic matters. A captive wallet audience (7.8M active wallet users at Paysafe) that Pay.com cannot replicate. MGA and UKGC licenses, 888 and PokerStars as clients, a full iGaming compliance stack. The trade-off is heavier maintenance fees and a tougher onboarding process.

  • Checkout.com

    Choose Checkout.com if you want the SMB-to-enterprise eCommerce processor that Pay.com is modeled after. FCA-licensed, Central Bank of Ireland licensed, 2,275 employees, 150+ methods, named iGaming clients. Pay.com's product genealogy runs through co-founder Assaf Cohen, ex-Checkout.com (departed 2024), the same playbook at much larger scale.

  • Trustly

    Choose Trustly if open banking is the actual need. Pay.com's open-banking layer is a wrapper around Volt, while going direct to Trustly typically costs less (0-1%) and gets deeper European bank coverage. For iGaming pay-ins in Nordics, UK, Germany, and Netherlands this is usually the right answer.

Alternatives

Providers operators shortlist alongside Pay.com

  • Checkout.com

    Checkout.com

    Full-Stack PSP
    iGaming score 7.0 out of 10
    Deposit Fee
    Custom
    Settlement
    T+1 - T+3
    Methods
    150+
    Trustpilot
    2/5
    View Profile
  • Corefy

    Corefy

    Payment Orchestrator
    iGaming score 6.0 out of 10
    Deposit Fee
    0.2‑0.7%
    Settlement
    Set by the connected PSP
    Methods
    600+
    Trustpilot
    4.2/5
    View Profile
  • Finera

    Finera

    Payment Orchestrator
    iGaming score 6.2 out of 10
    Deposit Fee
    0.1‑0.5% routing
    Settlement
    Set by the connected PSP
    Methods
    600+
    View Profile
  • IXOPAY

    IXOPAY

    Payment Orchestrator
    iGaming score 5.9 out of 10
    Deposit Fee
    0.1‑0.5% + PSP
    Settlement
    Set by the connected PSP
    Methods
    300+
    View Profile

Related Reading

Operator guides and analysis relevant to evaluating Pay.com.

End of Report. Pay.com Provider Assessment Report 2026

Prepared and reviewed by the iGaming Payment Solutions Editorial Team ·

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