01Compliance

Regulated, resilient,
and ready.

A licensed payment institution under direct supervision — with governance, resilience and risk controls built for the rules coming next.

Let's Connect Your Business
03Licence

Regulatory licence &
supervisory authority.

Authorised and supervised as a payment institution, with passporting across the EEA.

  1. 01

    Authorised

    Licensed by a national competent authority.

  2. 02

    Supervised

    Ongoing prudential and conduct oversight.

  3. 03

    Passported

    Services notified across EEA states.

  4. 04

    Reported

    Regular regulatory reporting filed on time.

04Readiness

Regulatory
readiness.

Aligned with DORA, the PSD3 / PSR package and the EU AI Act before they bite.

DORA
resilience ready
PSD3
gap-assessed
AI Act
risk-classified
GDPR
by design
DAO PAY dashboard — overview, payment methods and recent transactions
05Resilience

Operational resilience
& continuity.

Redundant infrastructure and tested recovery plans that keep payments moving.

  1. 01

    Redundant by design

    Multi-region, active-active infrastructure.

  2. 02

    Tested recovery

    DR drills run on a fixed schedule.

  3. 03

    Incident response

    A practised playbook and clear comms.

  4. 04

    Continuous monitoring

    24/7 observability across the stack.

06Onboarding

Identity & verification
onboarding.

Identity, business and sanctions screening built into a fast, auditable onboarding flow.

eIDAS
aligned checks
100%
sanctions screened
<48h
typical onboarding
Audit
trail on every step
DAO PAY dashboard — overview, payment methods and recent transactions
07Risk

Risk defence &
chargeback prevention.

Layered monitoring, 3-D Secure and dispute tooling that protect your approval rates.

  1. 01

    Screen early

    Transactions scored before they settle.

  2. 02

    Authenticate

    3-D Secure where it lifts approval.

  3. 03

    Prevent disputes

    Alerts resolve issues before chargebacks.

  4. 04

    Fight & win

    Evidence assembled automatically.

08Journey

From first review to approved partner.

A clear path through due diligence — most steps take days; only verification depends on your business.

  1. 60 secondsEnquiry
  2. 1 dayRisk scoping
  3. 3 daysDue diligence
  4. 2–5 weeksIdentity & Verification
  5. 2 daysApproval
  6. 1–2 weeksOnboarding
  7. same dayGo-Live

Not sure where your business would land?

A short check tells you whether you are a fit — in plain terms, before you commit any time or effort.

Prefer a head start?

Pick your industry below to see the journey and timeframes built for it.

Digital GoodsView journey →Forex & TradingView journey →iGamingView journey →TravelView journey →Dating & SocialView journey →
09PreCheck

Know your compliance fit
before you apply.

A short check tells you which methods and terms fit your business — before any onboarding work begins.

GoA clean fit. We move you into onboarding right away.
ReviewA few points to clarify together first — we tell you exactly what we need.
No-fitNot the right match today — said early and honestly, so no time is lost.
10What changes for you

Compliance on
calmer ground.

One licensed partner, one set of controls — fewer regulators and vendors between you and growth.

Where it mattersHow it usually goesWith DaoPay
Who holds the licenceYou chase several regulated vendors.One licensed institution stands behind you.
New regulationYou scramble to interpret each rule.We map DORA, PSD3 and the AI Act for you.
When something breaksTickets queue and ownership is fuzzy.A named team owns the outcome end to end.
Are you a licensed institution?

Yes — authorised and supervised as a payment institution, with EEA passporting.

Are you ready for DORA and PSD3?

Yes — our controls are gap-assessed against DORA, the PSD3 / PSR package and the AI Act.

See the full FAQ & glossary →

One licence, one team — and a partner built to stay with you for the long run.