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SPECIFICTION
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Pabopay

pabopay.com

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Spec score 7.3 #15 of 25 in Payment Facilitation Platforms

Spec sheet

Purpose
Pabopay provides payment splitting, seller onboarding, balances and payout compliance for marketplaces and platforms.Read 7 Oct 2026 · pabopay.com
Intended users
Pabopay describes its target customers as marketplaces and platforms that need to pay multiple sellers and manage seller verification and reporting.Read 7 Oct 2026 · pabopay.com
Integrations
The product offers a REST API, webhooks and official SDKs for Node.js, Python, Ruby, PHP, Go and Java.Read 7 Oct 2026 · pabopay.com
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.Read 7 Oct 2026 · pabopay.com
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%.Read 7 Oct 2026 · pabopay.com
Founded
2024Read 28 Sep 2026 · pabopay.com
Existing processors
Pabopay says it can sit on top of a platform's existing payment acceptance or provide the full charge-to-payout stack.Read 7 Oct 2026 · pabopay.com
Ledger
Seller balances, transfers and reserves are backed by a double-entry ledger with reconciliation.Read 7 Oct 2026 · pabopay.com
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.Read 7 Oct 2026 · pabopay.com
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.Read 7 Oct 2026 · pabopay.com
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.Read 7 Oct 2026 · pabopay.com
Seller verification
Embedded onboarding verifies seller identity, business and bank details and includes AML and sanctions screening.Read 7 Oct 2026 · pabopay.com
Tax compliance
Pabopay says it collects tax forms, tracks thresholds and files 1099-K, DAC7 and equivalent reports for sellers.Read 7 Oct 2026 · pabopay.com

Plans and prices

Enterprise Priced on request Custom terms; may include a committed-volume floor. Interchange-plus & committed-volume pricing · multi-entity ledger & data residency · dedicated solutions engineer · custom payout rails · custom SLA up to 99.99% Read 7 Oct 2026 · pabopay.com
Launch Priced on request Usage-based; charged when a payment is split and a seller is paid out. Annual commit rates are billed monthly. Unlimited sellers · same-day payouts in 58 currencies · embedded onboarding & KYC · wallets, balances & operations console · REST API, webhooks & 6 SDKs Read 7 Oct 2026 · pabopay.com
Scale Priced on request Usage-based; charged when a payment is split and a seller is paid out. Annual commit rates are billed monthly. Instant payouts on SEPA Instant, Pix & FedNow · reserves & risk holds · DAC7 / 1099-K reporting · priority support with 99.9% uptime SLA Read 7 Oct 2026 · pabopay.com

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Where Specifiction places it

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