- Safeguarded funds
Money in a Paygoro account sits with our licensed European banking partner, in safeguarded accounts, separated from operating funds and protected under EU regulation.
- A regulated IBAN
Your IBAN is issued by that partner, which is supervised by its home-state regulator. Paygoro builds the product on top of those rails.
- Read-only bank links
Connected banks are read under PSD2 with your explicit consent. We never move money in them, and you can revoke a connection at any time.
- Roles and an audit trail
Owner, admin, member and viewer, per entity. Every approval, payment, change and login is logged with who and when.
- Data held in the EU
Your data is stored and processed in the European Union. Documents are encrypted at rest and in transit.
- Verification before an account
Every company and beneficial owner is verified before an IBAN is issued, which is why a Paygoro account takes longer than a connection.
- Your money
- Held by the licensed banking partner that issues your IBAN, in accounts kept apart from Paygoro's own.
- Your data
- Stored in the EU, encrypted, and exportable while your account is open.
- Your access
- Email and password with session controls, roles per person, and a one-click way to remove someone.
Questions about security and compliance
Still something unanswered? Write in from the dashboard. A real human on the team replies.
What can Paygoro see and do in my linked banks?
Linked banks connect read-only under PSD2. We read balances and transactions to build your overview, we never move money in them, and you can revoke a connection from the dashboard whenever you like. Payments only ever leave a Paygoro account.
Where does my money sit, and who regulates Paygoro?
Money in a Paygoro account sits with our licensed European banking partner, in safeguarded accounts, separated from operating funds and protected under EU regulation. That partner issues your IBAN and is supervised by its home-state regulator. Paygoro builds the product on top of those rails.
Can my accountant and my team use it too?
Yes. Invite them with a role: owner, admin, member or viewer. A viewer, usually the bookkeeper, sees everything and moves nothing. Starter includes 3 seats and Business 10, and extra seats are €3 a month each.
Less admin.
More runway.
Bills, books and banking handled in one place. Start free with the bank you already have.
