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Pabopay

Free trial API

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Pabopay's own site

What Pabopay is

Pabopay is a paid API for marketplaces and platforms that split charges, onboard sellers, manage balances and payouts, and handle compliance. It divides charges among sellers and platform fees by percentage, fixed amount, or line item, while supporting refunds, disputes, and delayed or escrowed funds. Payouts can go 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 includes AML and sanctions screening. A double-entry ledger tracks balances, transfers, and reserves with reconciliation. Pabopay says it collects tax forms, tracks thresholds, and files 1099-K, DAC7, and equivalent reports. Developers get a REST API, webhooks, and SDKs for Node.js, Python, Ruby, PHP, Go, and Java. Pricing starts from €0.20; there is no free plan, but a free trial is available.

Who it suits

Pabopay is aimed at marketplaces and platforms paying multiple sellers while managing verification, split payments, balances, payouts, and seller reporting.

What it does well

  • Payouts in 58 currencies
  • Embedded seller verification
  • Double-entry ledger with reconciliation
  • REST API and six SDKs
  • Free trial available

What to know first

  • No free plan
  • Pricing starts from €0.20
  • Currency-converting payouts add 0.5% margin
  • API is the listed platform

Limits

There is no free plan. Launch is usage-based and charges when a payment is split and a seller is paid out; annual commit rates are billed monthly.

Plans

PlanBilled and limitsPrice
LaunchUsage-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 SDKsOn request
EnterpriseCustom 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%On request
ScaleUsage-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 SLAOn request

As pabopay.com lists them, read 7 Oct 2026. The maker's own page has the final word.

Getting started

  1. Open the Pabopay website
  2. Start the free trial
  3. Choose Launch, Scale, or Enterprise terms
  4. Connect through the REST API, webhooks, or an official SDK
  5. Configure seller onboarding, payment splitting, and payout flows

Verdict

Pabopay combines split payments, seller onboarding, ledgering, payouts, and tax reporting in one marketplace-focused API. It may suit platforms needing these controls, but pricing is paid and currency conversion can add a disclosed margin.

Questions

Does Pabopay have a free plan?

No. Pabopay offers a free trial, while pricing starts at €0.20.

How is Pabopay priced?

Launch and Scale use usage-based billing. Enterprise uses custom terms and may include a committed-volume floor.

Which payout destinations are supported?

Payouts can go to bank accounts, cards, or wallets in 58 currencies.

Can it handle seller verification and tax reporting?

Yes. Onboarding verifies identity, business, and bank details with AML and sanctions screening; Pabopay also collects tax forms, tracks thresholds, and files listed reports.

Which developer integrations are available?

Pabopay provides a REST API, webhooks, and official SDKs for Node.js, Python, Ruby, PHP, Go, and Java.

Facts from Pabopay's own pages

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

Where Pabopay stands on Freedom251

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