payabl.
payabl. is a European (EEA-based) fintech-infrastructure provider (Payment gateway, IBAN sponsor, Issuer processing, Payment orchestration). Verified at source - licence, regulator and registry reference. Active
Who it's for
payabl. is built for merchants and platforms accepting online payments with the local methods European customers expect. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in CY, GB.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Cyprus)
- Local IBANs: CY; GB
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
What payabl. does
Capabilities & rails
- 🌐 Local-payments coverage: Regional / pan-European
- Local payment schemes: iDEAL, Bancontact, giropay, SOFORT
- E-commerce integrations: WooCommerce, Magento, PrestaShop
- 🛤️ Payment rails (documented): SCT · SCT Inst · SDD Core · SWIFT
- Account model: Dedicated
- Account currencies: EUR; GBP; USD
Verified licence profile
payabl. (Limassol + London; since 2011) - acquirer/PSP: card acquiring, business accounts, virtual IBANs and 300+ payment methods. EMI, Central Bank of Cyprus (passported EEA) + FCA EMI (UK).
Verified 2026-07-19. How we verify → · Spotted something out of date? Report a correction. · Are you payabl.? Work with us →
Official register entries
- Payment institution (PI) - Central Bank of Cyprus · Ref 115.1.2.9 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Built on
- Silverflow (processing-via) — Card processing via Silverflow
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FAQ
Is payabl. European / EEA-based?
Yes. payabl. hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Cyprus.
What does payabl. do?
payabl. covers: Payment gateway, IBAN sponsor, Issuer processing, Payment orchestration. Verified at source by Fintechnologica.