Pabopay
Pabopay is payment infrastructure for marketplaces and platforms that split charges, onboard sellers, and manage payouts and compliance.
What Pabopay is
Pabopay is payment infrastructure for marketplaces and platforms that split charges, onboard sellers, and manage payouts and compliance. Its API can divide a charge among sellers and platform fees by percentage, fixed amount, or line item, while handling refunds, disputes, and delayed or escrowed funds. Sellers can receive payouts to bank accounts, cards, or wallets in 58 currencies, with instant settlement where supported and same-day or next-day settlement elsewhere. Embedded onboarding verifies identity, business, and bank details and performs AML and sanctions screening. A double-entry ledger tracks balances, transfers, and reserves with reconciliation. Pabopay also collects tax forms, tracks thresholds, and files 1099-K, DAC7, and equivalent reports. Developers get REST, webhooks, and SDKs for six languages. It is paid from €0.20, has no free plan, and offers a free trial.
Good
- Splits charges by percentage, amount, or line item
- Payouts support bank accounts, cards, and wallets
- Seller onboarding includes AML and sanctions screening
- Double-entry ledger includes reconciliation
- SDKs cover Node.js, Python, Ruby, PHP, Go, and Java
Watch out
- No free plan
- Pricing starts from €0.20
- Currency-converting payouts add a disclosed 0.5% margin
- Listed platform is API
Who it suits
It suits marketplaces and platforms paying multiple sellers that need onboarding, split payments, ledger controls, and reporting. Developers can connect through the REST API, webhooks, or official SDKs.
Verdict
Pabopay combines split payments, seller verification, payouts, ledgering, and tax reporting in one API-oriented product. Its usage-based plans and paid model fit platforms that need these operational controls and can request pricing for larger arrangements.
Plans and prices
From Pabopay's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Enterprise | Priced on request | Interchange-plus & committed-volume pricing · multi-entity ledger & data residency · dedicated solutions engineer · custom payout rails · custom SLA up to 99.99% · Custom terms; may include a committed-volume floor. |
| Launch | Priced on request | Unlimited sellers · same-day payouts in 58 currencies · embedded onboarding & KYC · wallets, balances & operations console · REST API, webhooks & 6 SDKs · Usage-based; charged when a payment is split and a seller is paid out. Annual commit rates are billed monthly. |
| Scale | Priced on request | Instant payouts on SEPA Instant, Pix & FedNow · reserves & risk holds · DAC7 / 1099-K reporting · priority support with 99.9% uptime SLA · Usage-based; charged when a payment is split and a seller is paid out. Annual commit rates are billed monthly. |
The facts
Each one read from Pabopay's own pages, with the date it was checked.
What it does
- Existing processors
- Pabopay says it can sit on top of a platform's existing payment acceptance or provide the full charge-to-payout stack.checked 7 Oct 2026
- Integrations
- The product offers a REST API, webhooks and official SDKs for Node.js, Python, Ruby, PHP, Go and Java.checked 7 Oct 2026
- Intended users
- Pabopay describes its target customers as marketplaces and platforms that need to pay multiple sellers and manage seller verification and reporting.checked 7 Oct 2026
- Ledger
- Seller balances, transfers and reserves are backed by a double-entry ledger with reconciliation.checked 7 Oct 2026
- Payment splitting
- It splits charges across sellers and platform fees by percentage, fixed amount or line item, and supports refunds, disputes and delayed or escrowed funds.checked 7 Oct 2026
- Payouts
- It supports payouts to bank accounts, cards or wallets in 58 currencies, with instant settlement where supported and same-day or next-day settlement elsewhere.checked 7 Oct 2026
- Pricing details
- The pricing FAQ says refunds, ledger transfers and balance top-ups are free, while payouts requiring currency conversion incur a disclosed 0.5% margin.checked 7 Oct 2026
- Purpose
- Pabopay provides payment splitting, seller onboarding, balances and payout compliance for marketplaces and platforms.checked 7 Oct 2026
- Security
- Its security page lists PCI DSS Level 1, SOC 2 Type II, ISO 27001, GDPR, PSD2/SCA and ISO 22301, and describes TLS 1.3, AES-256 and HSM-backed keys.checked 7 Oct 2026
- Seller verification
- Embedded onboarding verifies seller identity, business and bank details and includes AML and sanctions screening.checked 7 Oct 2026
- Support
- The Scale plan includes priority support and a 99.9% uptime SLA; Enterprise offers named support and a custom SLA up to 99.99%.checked 7 Oct 2026
- Tax compliance
- Pabopay says it collects tax forms, tracks thresholds and files 1099-K, DAC7 and equivalent reports for sellers.checked 7 Oct 2026
The company
- Founded
- 2024checked 28 Sep 2026
Alternatives to Pabopay
- 1
Mollie
Free planAndroidiOSWebAPI8.2Free plan - 2
Paystack
Free planAndroidiOSWebAPI8.2From 1 NGN a month - 3
Stripe Connect
AndroidiOSWebAPI8.0From $20.25 a month - 4
Checkout.com
Free planAndroidiOSWebAPI7.7Free plan - 5
Adyen
AndroidiOSWebAPI7.5$0.13 one-time - 6
Rainforest
AndroidiOSWebAPI7.3From $0.20 a month