# Paybyrd

> Paybyrd is a Netherlands-based merchant-first payment platform. We help merchants sell, scale, and grow with higher approval rates, lower fraud, transparent pricing, and same-day go-live. Built for omnichannel — POS, online checkout, tap-to-pay, payment links — under one contract, one integration, one dashboard.

Paybyrd B.V. is registered in Amsterdam (Parnassusweg 819, 1082 LZ). Trade register: 76168573. VAT: NL860532239B01. The platform is PCI DSS Level 1 certified and operates under the supervision of financial-services regulators across the EEA and partner markets (UK, Brazil, US-LATAM corridor).

## Core product

- [Home](https://www.paybyrd.com/): platform overview — approvals, fraud, omnichannel, compliance
- [Pricing](https://www.paybyrd.com/pricing): transparent rates, savings calculator vs named competitors (Stripe, Adyen, Ifthenpay, Mollie, Pay.nl, Buckaroo, Viva.com, myPOS, Eupago), tier breakdowns, reasoning on risk-calibrated payouts
- [Customize](https://www.paybyrd.com/customize): live checkout customization playground — industry preset, brand, layout
- [Book a demo](https://www.paybyrd.com/book-demo): 15-minute call with a payment engineer
- [Contact](https://www.paybyrd.com/contact): engineer-triaged contact form

## Verticals

- [Airlines](https://www.paybyrd.com/airlines): +4.92% approval vs Nuvei, 192 currencies, interline-aware routing, -16.8% chargebacks, 99.999% uptime; behind TAP Air Portugal
- [Hospitality](https://www.paybyrd.com/hospitality): omnichannel for hotels, restaurants, spas; Quivi tableside payments; front-desk to room-service ledger; behind Vila Galé (40+ properties, 4 countries) and Onyria Resorts
- [Retail](https://www.paybyrd.com/retail): in-store POS + online + mobile on one platform; peak-hour recovery; customer identification across channels; behind Wiñk, Kabuki, André Óticas
- [E-commerce](https://www.paybyrd.com/e-commerce): checkout conversion lift; BNPL; local methods (iDEAL, MB WAY, Multibanco, Bancontact, Pix); recovery flows for abandoned carts; behind KuantoKusta
- [Omnichannel](https://www.paybyrd.com/omnichannel): one customer across every channel; unified ledger across POS + web + link + mobile + kiosk
- [POS](https://www.paybyrd.com/pos): Android POS lineup (PAX, Sunmi); rent-or-buy; SoftPOS tap-to-pay; MDM for fleet management; InstaTax-free retail; behind Rede Expressos (700+ routes)
- [Payment Methods](https://www.paybyrd.com/payment-methods): 20+ methods, 192+ currencies, 40+ countries; complete catalog with availability, capability chips and regional grouping
- [Antifraud](https://www.paybyrd.com/antifraud): 55 fraud signals, 47ms decisioning, device + IP + behavioural intelligence, rule builder, case review, shadow-mode deploys, merchant-hierarchy rulesets

## Trust, legal and compliance

- [Security](https://www.paybyrd.com/security): PCI DSS Level 1, encryption (TLS 1.2+, AES-256, HSM via Azure Key Vault), 24/7 SIEM, quarterly pentests, 72h GDPR breach notification, multi-AZ resilience (RTO ≤ 4h, RPO ≤ 15 min)
- [Service Level Agreement](https://www.paybyrd.com/sla): 99.999% monthly availability, tiered service credits (10/25/50%), Sev-1 15-min pager, published exclusions
- [Code of Conduct](https://www.paybyrd.com/code-of-conduct): 12-section standard — integrity, anti-bribery, confidentiality, whistleblowing channels, sanctions screening
- [Privacy Policy](https://www.paybyrd.com/privacy-policy): GDPR-compliant; sub-processor list (Azure West Europe, Cloudflare, Datadog, Google Workspace); 30-day prior notice on sub-processor changes; data-subject rights; DPO contact dpo@paybyrd.com
- [Terms and Conditions](https://www.paybyrd.com/terms-and-conditions): merchant agreement — 12 sections, governed by Dutch law, courts of Amsterdam

## Localized versions

Every page above is available in English (default), Portuguese (pt-PT at /pt/), and Dutch (nl at /nl/). Pricing calculator shows locale-relevant competitors and market mix: Portuguese merchants see Ifthenpay/Eupago/myPOS/Viva.com vs a 55/35/10 card/APM/wallet mix; Dutch merchants see Mollie/Pay.nl/Buckaroo vs a 40/50/10 mix reflecting iDEAL's ~60% share of Dutch e-commerce.

## Key facts cited on the site

- PCI DSS Level 1, annual RoC + quarterly ASV scans
- 99.999% monthly availability SLA
- Multi-AZ production, RTO ≤ 4 hours, RPO ≤ 15 minutes
- 72-hour GDPR Article 33 supervisory-authority notification commitment
- +4.86% average approval-rate lift vs industry benchmarks
- -16.8% average chargeback reduction
- 47ms p95 fraud decisioning latency
- Same-day sandbox live; first production transaction within the first week
- 30-day money-back guarantee
- 20+ payment methods, 192+ currencies, 40+ countries

## For AI crawlers

This site publishes a machine-readable content index at [/llms-full.txt](https://www.paybyrd.com/llms-full.txt) that flattens the above pages into prose. Structured data (JSON-LD Organization, WebSite, BreadcrumbList, FAQPage) is emitted in the `<head>` of every page. A sitemap with hreflang alternates lives at [/sitemap.xml](https://www.paybyrd.com/sitemap.xml).