Global payment ecosystem PayDo has launched a unified global payment infrastructure, aiming to reduce the complexity and cost associated with modern payment systems.

The company noted that its releases: USD SWIFT Accounts, Direct SEPA and SEPA Instant access, Dedicated C2B Open Banking Collections Accounts, and Direct VISA and MasterCard Acquiring—are now available as integrated features within the company’s unified platform.

This helps in removing the need to manage several providers.

The new offering addresses several issues related to payment fragmentation, including delayed settlements, high intermediary costs, compliance demands, and reduced control over payment flows.

According to PayDo, with USD SWIFT Accounts, online businesses can obtain dedicated USD account information through the SWIFT network.

This development is expected to help decrease delays and transaction costs for cross-border USD payments, which are essential for many international online businesses.

As a direct member of the Single Euro Payments Area (SEPA), the company claims to offer native European processing without intermediary routing.

This allows for “lower-cost euro transactions” and immediate settlement through SEPA Instant.

The Dedicated C2B Open Banking Collections Accounts service introduces direct, instant bank-to-business transfers from customers.

This offers an alternative to card networks, with accurate tracking of funds and settlement in real-time.

The system is designed to support more than one hundred thousand transactions.

The company said that it has also become a principal member acquirer for Visa as well as Mastercard, enabling direct acquiring.

This eliminates an intermediary layer, lowers processing expenses, enhances authorisation rates, and offer merchants transparency and control over card payment flows.

All these services are delivered within the company’s unified ecosystem, which also includes a non-redirect E-Wallet checkout.

This feature offers merchants friendly-fraud protection and eliminates the need for rolling reserve requirements.

PayDo founder and CEO Serhii Zakharov said: “For years, businesses have been forced to stitch together a patchwork of payment providers, each adding cost, complexity, and delay. We believe the future is not in more fragmentation, but in intelligent unification.

“These launches are not just new features; they are the foundational pillars of a coherent ecosystem. We are giving our clients direct control over the core rails of finance—from SEPA and SWIFT to card acquiring and Open Banking—all through one partnership. This is how we eliminate the hidden tax of fragmentation and empower businesses to scale globally with clarity and efficiency.”

Last year in May, PayDo expanded its SWIFT service capabilities to include 11 new currencies.