PayDo Introduces Non-Redirect E-Wallet, Redesigning Checkout Security and Merchant Cash Flow

PayDo, a UK-licensed Electronic Money Institution (EMI), has unveiled a new set of enhancements to its proprietary Non-Redirect E-Wallet — a checkout solution built to improve conversion and redefine payment-risk management for online merchants. Unlike the common industry practice of redirecting shoppers to external pages, PayDo’s wallet keeps the entire payment process on the merchant’s own website, ensuring a consistent brand experience while inherently removing key fraud liabilities.

A New Approach

The model is engineered to tackle two major challenges digital businesses face: fraudulent chargebacks and capital locked in rolling reserves. With its real-time, integrated fraud screening inside a controlled payment environment, PayDo offers a fraud guarantee for approved transactions. This means qualifying merchants avoid chargeback exposure and, uniquely, are exempt from rolling reserve requirements—freeing up substantial working capital.

Key Features of PayDo’s Enhanced Non-Redirect E-Wallet

• On-Site Checkout Experience:
  Supports multiple payment methods directly on the merchant’s domain, removing redirects that typically hurt conversion.
• Unified Payment Processing:
  One integration enables acceptance of major cards (Visa, Mastercard) plus 350+ local and alternative payment methods worldwide.
• Built-In Fraud Protection & Liability Shift:
  In-house, PCI DSS Level 1-compliant fraud checks review payments in real time. Approved transactions are backed by PayDo’s guarantee, eliminating chargeback risk for merchants.
• No Rolling Reserves:
  Thanks to the updated risk model, merchants gain immediate access to settled funds, improving liquidity and cash flow.
• Centralised Dashboard:
  Wallet management, reporting, analytics and settlements are all accessible within PayDo’s unified interface.

Executive Statement

“The traditional checkout flow leaves merchants responsible for both the user experience and the financial downside,” said Serhii Zakharov, CEO of PayDo. “Our non-redirect wallet changes that dynamic. It restores full control over the checkout journey while removing the heavy burden of fraud-related costs. It’s a smarter, more balanced way for merchants and payment providers to work together.”

The upgraded wallet is particularly valuable for fast-growing e-commerce businesses, digital service platforms, i-gaming operators, and marketplaces looking to improve conversion while protecting revenue from payment-fraud volatility.

PayDo operates under FCA EMI licence No. 900594 in the United Kingdom. More information: www.paydo.com.