Risk-based approach
Risk is assessed, not assumed. Every merchant is underwritten on its own profile, and the setup follows that profile instead of a category label.
Payment service provider · Cyprus
Refreshing
the future of
Payments.
Financial structures age badly. We revamp the outdated ones — with a risk-based view of every merchant and a tailor-made setup instead of a template.
Merchant + Acquirer = Approved
Card acquiring
Payouts
Local & alternative methods
Multi-currency
The idea
Most payment stacks were built for a world that no longer trades.
Rules written a decade ago still decide whose payment goes through today. We take those structures apart and rebuild them around the business that actually needs them — the traffic, the geography, the risk profile, the growth plan.
Tailor-made approach
No two merchants get the same configuration. Connections, routing and settlement are assembled for the business in front of us and adjusted as it changes.
Products
A fresh route for every
leg of the payment.
Five building blocks. Combine the ones you need — they are designed to work together, not to be sold together.
Card acquiring
A large network, connected directly.
Direct connections to acquirers across regions and card schemes, covering every risk appetite from low-risk retail to demanding verticals.
- Direct acquiring connections, no unnecessary hops
- Coverage for conservative and high-risk appetites
- Onboarding guided by people who know the file
Payout solutions
Refreshing what a payout can be.
Send funds out through the same network that brings them in. One relationship, broad reach, and transparency on where the money is at any point.
- Payouts across a wide provider network
- Recipients reached in their local rails
- One point of contact for the whole flow
Local & alternative methods
The methods your customers already trust.
Alternative and local payment methods lift conversion where cards fall short — and lift merchant revenue with them.
- Local methods per market, not per continent
- Wallets, bank transfers, vouchers and more
- Added to your setup as new markets open
Routing
Routing that reads the traffic.
Traffic is directed on risk and acceptance rate, configured individually for each merchant and kept flexible — when your volume, market or profile shifts, the routing shifts with it.
- Decisions built on risk and acceptance data
- Individual rules per merchant and per flow
- Reviewed and adjusted as traffic changes
Multi-currency
Keep what the exchange rate takes.
Process, hold and settle in the currencies you actually earn. Every conversion you avoid is an exchange fee you keep.
- Process in the customer's currency
- Settle in the currency of your choice
- Fewer conversions, lower exchange costs
Not on the list?
Describe the flow.
We will build the route.
Most of what we run today started as a merchant question we did not have an answer for yet.
Start the conversationBanking
Refreshing the rails
underneath everything.
A global network of banks and IBAN providers, held together by direct clearing connections. Fewer intermediaries between the instruction and the account means payouts that simply move.
Ask about coverageNetwork
Banking partners and IBAN providers across multiple regions, selected for the flows they are genuinely good at.
Clearing
Direct clearing connections for smooth payouts — shorter chains, clearer status, fewer surprises at the end of the line.
Accounts
Account structures arranged around how your business collects, holds and pays out.
Coverage
Solutions for every industry and every risk class, matched to the appetite of the partner behind them.
About us
Fresh thinking.
Long memories.
PayLemons was founded by a team that spent years inside payments — on the acquiring side, the risk side and the merchant side — and got tired of watching good businesses lose to bad infrastructure.
Where we sit
Based in Cyprus, working across borders.
Our home base sits in the middle of the corridors we serve, close to partners, regulators and the merchants who trade between them.
How we work
People first, then process.
Merchants speak to someone who knows their file. Underwriting, setup and day-to-day questions stay with the same team instead of disappearing into a queue.
What we build
Infrastructure that keeps its edge.
Connections, routing logic and banking relationships are reviewed continuously, because a network that stands still quietly becomes the outdated structure we set out to replace.
100+Merchants served
1 bn+Processed in three years
CyprusHeadquarters
AllIndustries & risk classes
Events
Meet us in the field.
No events announced yet.
Conference appearances, meetups and booth details will be listed here. Add the first announcement to fill this space.
Invite us to an eventBlog
Fresh from the desk.
Article title
Article title
Article title
Careers
Come refresh the industry with us.
No open roles listed right now.
Vacancies will appear here as they open. Until then, send what you do and where you would fit — the good applications rarely arrive through a job ad anyway.
Careers
Introduce yourself
Tell us what you have built in payments and what you want to build next.
career@paylemons.comGateway
One integration. Everything downstream.
Connect once and reach the full network: acquiring, alternative methods, payouts and routing behind a single interface. Full technical documentation lives in the developer portal.
Open API documentation →Link target to be replaced
# create a payment
POST /v1/payments
Authorization: Bearer <key>
{
"amount": 4900,
"currency": "EUR",
"method": "card",
"routing": "paylemons"
}
POST /v1/payments
Authorization: Bearer <key>
{
"amount": 4900,
"currency": "EUR",
"method": "card",
"routing": "paylemons"
}
Partners
Grow the network,
share the harvest.
Introduce a merchant that fits, and we take it from there — underwriting, setup and support. Our referral partners keep the relationship; we keep the plumbing working.
Referral program
Partner with us
Program details, terms and commercials are shared on request. Placeholder — final program terms to be added.
partner@paylemons.comContact
Tell us what is not working yet.
Send the flow, the markets and the volumes. You will get an answer from someone who can actually decide.
General
Talk to sales
Merchant enquiries, pricing and onboarding questions.
hello@paylemons.comPlaceholder address
Partners
Referral program
Introduce merchants and build on the network with us.
partner@paylemons.com