Labuan FSA — PSO Licensed

Payments.
Connected.
Global.

The regulated cryptocurrency payment gateway built for merchants who demand security, compliance, and total control. Accept digital assets globally — zero settlement fees.

Start Accepting Crypto See How It Works

Live Transactions

Live

Bitcoin

Payment received

+0.042 BTC

Tether

USDT transfer

+4,200 USDT

Ethereum

Payment received

+1.80 ETH

Ripple

XRP transfer

+12,000 XRP

AML Verified

Non-Custodial

Platform Features

Built for merchants.
Regulated by design.

PayNora delivers everything merchants need to accept, process, and reconcile crypto payments — securely and compliantly under the Labuan FSA framework.

Multi-Crypto Acceptance

Accept BTC, ETH, TRX, ADA, XRP, DOGE, USDT, USDC and more through a unified acquiring gateway — one integration, all blockchains.

Non-Custodial Settlement

Your funds go directly to your wallet. PayNora never holds or controls your assets — just provides the processing, verification, and compliance layer.

AML / CFT Compliance

Every merchant and transaction is screened via Shufti Pro KYB and AMLBot blockchain risk scanning — meeting AMLA 2001 and FATF standards.

Merchant Dashboard

Full transaction visibility, daily reconciliation reports, webhook alerts, and a centralized back-office — everything in one place.

REST API Integration

Plug PayNora into your existing stack using our clean REST API. Sandbox environment, test addresses, and dedicated integration support included.

Dispute & Refund Handling

Structured workflows for refunds, underpayments, expired invoices and blockchain delays — backed by a dedicated merchant support team.

How It Works

From onboarding
to settlement in 4 steps

Apply & KYB Verification

Submit your merchant application. Our compliance team screens your business via Shufti Pro and AMLBot blockchain risk analysis.

API Integration

Receive your Merchant ID, API keys and sandbox access. Test your integration with our emulator before going live.

Accept Payments

PayNora generates unique invoices and payment addresses per transaction. Your customers pay via any wallet — direct to you.

Instant Settlement

Funds settle directly to your merchant wallet. Daily reconciliation reports and monthly fee invoices are issued automatically.

Merchant Onboarding Status

KYB Verification

Shufti Pro + AMLBot screening

Active

Application reviewComplete

KYB documentsComplete

API integrationIn progress

Live activationPending

Settlement goes directly to you

Non-custodial. PayNora never holds your assets.

Supported Assets

Every major digital
currency, covered.

Offer your customers the widest choice of payment methods. All processed through a single, compliant acquiring infrastructure.

Bitcoin (BTC)

Ethereum (ETH)

TRON (TRX)

Ripple (XRP)

Cardano (ADA)

Dogecoin (DOGE)

USDT (Tether)

USDC (Circle)

More coming soon

Compliance & Regulation

Regulated where
others aren't.

Most crypto payment processors in Asia operate without a license. PayNora is built on a fully regulated foundation.

Licensed Payment System Operator (PSO) under Labuan FSA
Full KYC/KYB via Shufti Pro — directors, UBOs and entity verification
AMLBot blockchain screening on every merchant wallet and transaction
Compliant with AMLA 2001 and FATF recommendations
Ongoing Suspicious Transaction Reporting (STR) obligations met
Technology Risk Management and BCP/DRP policies in place

Regulatory Framework

Multi-layer compliance architecture protecting every transaction

Labuan FSA

AMLA 2001

FATF Compliant

AMLBot

Shufti Pro

KYC / KYB

AML / CFT

Non-Custodial

STR Filing

Cloudflare WAF

2FA

IP Whitelisting

Merchants onboarded by PayNora are subject to risk-based due diligence. High-risk merchants undergo Enhanced Due Diligence (EDD) before activation.

Target Markets

Your business, operating globally.

PayNora's network spans key high-growth markets across Asia, Europe and beyond.

Korea

30%

Montenegro

20%

Malta

15%

Monte Carlo

15%

Cyprus

10%

Indonesia

India

Expanding

More markets soon

Pricing

Simple. Transparent. Predictable.

No hidden fees. No custodial risk. One straightforward rate that keeps your margins intact.

Transaction Fee

<1%

per processed transaction · zero settlement fees

Zero settlement fees to your wallet
Network gas fees paid by end users
Monthly invoice — pay by bank or crypto
Full daily reconciliation included
Merchant dashboard & API access included
Dedicated support & compliance coverage

Apply for Merchant Access

Payments.Connected.Global.

Built for merchants.Regulated by design.