Product
Pabopay is six tightly-wired modules — split, payouts, onboarding, balances, compliance and a console — running on a single double-entry ledger. Take a buyer's payment once, fan it out to every seller, and close the month knowing each cent is accounted for. Here is exactly how each piece works.
Split payments
Describe how a payment should be divided and Pabopay settles it atomically — the buyer sees one clean line on their statement, while every share, fee and processing cost lands on the ledger in the same transaction. No nightly batch jobs, no drift between what you charged and what you owe.
Global payouts
Your sellers don't all bank in one country, and they shouldn't wait a week to get paid. Pabopay routes each payout over the fastest local rail, converts at interbank FX with one disclosed margin, and lands money in seconds wherever the scheme allows. Everywhere else, same-day or next-day on the schedule you set.
Seller onboarding & KYC
Embed a white-label flow that collects identity, business registration and bank ownership, screens every applicant against global sanctions and PEP lists, and provisions a connected account the moment they pass. Pabopay keeps the evidence audit-ready, so onboarding stops being a back-and-forth email thread and becomes a single clean pass or fail.
Wallets & balances
Every seller gets a multi-currency wallet backed by a genuine double-entry ledger — not a number in a spreadsheet. Hold funds, top up, move money between accounts, and place reserves on risky volume, with every movement posted as paired debits and credits you can trace forever. Balances reconcile to the cent because they cannot do anything else.
Payout compliance
You keep the buyer relationship; Pabopay acts as the regulated layer for money sent to your sub-merchants. We collect the right tax forms at onboarding, track thresholds across the year, file 1099-K, DAC7 and local equivalents, and handle risk holds and disputes — so you never have to become a licensed payments company just to pay your sellers.
Operations console
A live console over every split, payout, balance and reserve, with platform-wide reconciliation your finance team can actually close the books on. Search any transaction, follow it from buyer charge to seller payout, export to your accounting stack, and give support read-only access without handing over the keys. When numbers need to tie out, they already do.
Tell us how your platform moves money today and we'll map it onto Pabopay — split, payouts, onboarding, balances, compliance and console, wired to one ledger.