“Can a globally-regulated PSP serving high-risk and digital-goods merchants build the broadest local payment method coverage to compete with tier-1 acquirers on conversion and reach?”
Founded in 2016 as Transferop Payment Gateway Ltd. operating under the Payop brand, the company built a global PSP focused on high-risk and digital-goods merchants across 170+ countries. Over time, Payop expanded its payment method coverage to 500+ options including local cards, bank transfers, e-wallets, and open banking (Pay by Bank / Pay by Monzo), positioning itself as a full-service payment gateway for digital businesses. The company is regulated as an MSB in Canada and operates under Malta's MFSA supervision, reflecting a dual-jurisdiction compliance posture suited to its global merchant base.
Payop processes payments through Payop (self-operated).
Payop connects to bank accounts through Tink.
Payop uses Clear Junction for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 3 layers in Payop's stack: Payments / PSP (Payop (self-operated)); Open banking (Tink); FX & payouts (Clear Junction).
Payop is founded in 2016 and headquartered in Vancouver, British Columbia, Canada.
Get a read on where your own stack stands against Payop and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.