ForexQ.com
FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Pay.com

Payment institution · Cyprus

About the company

Legal company namePaycomcy Limited
Year founded—
Headquarters / registered countryLimassol, Cyprus
Websitepay.com/
Last checked09.10.2026

According to its official website, Pay.com is a payment orchestration and acquiring platform that lets businesses optimise, route and manage their global payments from a single platform; it combines a payment gateway, acquiring, intelligent routing, recovery of failed transactions, network tokenisation, fraud and dispute management, reconciliation and treasury tools. The company states that it is a licensed acquirer and principal member and that it also connects to third-party acquirers, banks and alternative payment method providers; it serves sectors such as iGaming and sports betting, e-commerce, digital media, SaaS, travel, crypto and investment platforms. It has offices in Limassol, London and Miami. According to the site's regulatory information, the Pay.com Group includes PAYCOMCY LIMITED (HE 408974, licence 115.1.2.42), a payment institution licensed by the Central Bank of Cyprus, the unlicensed technology provider Pay Technologies (CY) Limited, and Pay.com US, Inc. (an ISO sponsored by a US bank) and Mr. Merchant Pay, Inc., which are not licensed payment institutions in the US. According to the Central Bank of Cyprus register, Paycomcy Limited was granted an electronic money institution licence (115.1.3.95) on 24 June 2026; until that licence is activated, the company operates under its payment institution licence. This information is the company's own statement.

Account Details

ACCOUNT TYPESMerchants (SMB and enterprise)
MIN. DEPOSITNot stated
PLATFORMSPay.com dashboard · APIs and SDKs · Embedded checkout
PRODUCTSPayment gateway · Card acquiring · Payment routing and orchestration · Fraud and dispute management · Reconciliation and treasury · Payouts

Licences and regulation

CBC (Republic of Cyprus)

Licence no.115.1.2.42
Licence holderPaycomcy Limited
ScopeListed in the Central Bank of Cyprus register as an authorised payment institution under Paycomcy Limited (115.1.2.42). Original licence 19 May 2022, operations permit 4 Jul 2022; covers issuing/acquiring of payment instruments (5).
StatusVerified

CBC (Republic of Cyprus)

Licence no.115.1.3.95
Licence holderPaycomcy Limited
ScopeListed in the Central Bank of Cyprus register as an electronic money institution under Paycomcy Limited (115.1.3.95). EMI licence date 24 Jun 2026; per the register it operates under its payment institution licence until the EMI licence is activated.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: November 2023 – October 2026

  • Account / trading conditions: 2

VERY LOW — COMPLAINT LEVEL

86% of institutions with complaint records received more complaints than this one.

BY TOPIC — Account / trading conditions: Low

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Pay.com's Trustpilot page (2) records as of 9 October 2026; one person's reviews count once, and records about fake sites and third parties using the Pay.com name are left out. Across the complaints, allegations that account applications were declined without reasons and that pricing is not transparent stand out.

Sources and verification history

Official company sourcespay.com — homepage, About Us page, regulatory information in the footer
Regulator recordsCentral Bank of Cyprus — Paycomcy Limited, 115.1.2.42 and 115.1.3.95 (centralbank.cy)
Company registerCyprus Registrar of Companies — Paycomcy Limited, HE 408974
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified09.10.2026

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