01Partner banks
Customer funds held at licensed banks
Balances sit in accounts at our partner banks, kept separate from Paydoly's own operating funds and reconciled against the ledger.
The payments network for the Dominican Republic
Built for how youactually useyour money.
Paydoly connects people, merchants and neighbourhood cash agents on one balance, in pesos and dollars. Pay the corner store by QR, get paid by a client, run payroll for a team, and turn cash into balance at a counter nearby — from one account.
- Personal
- Business
- Agents
Money in real life
07:30Morning
Payday lands in pesos.
The salary arrives in DOP. The rent is quoted in dollars. Both balances sit on one screen, each with its own history.
EmployerPaydolyDOP wallet
Money doesn't live in one place.
Paydoly doesn't either.
Three sides of one network
Same network. Different side of the counter.
Personal, Business and Agents are not three products stitched together. They are three views of one ledger.
For people
Hold, send, request, pay.
DOP and USD wallets side by side. Pay a business by QR, send to a contact, request by link, share your PayMe.
YouPaydolyA friend or a business
- DOP and USD wallets
- Send and request
- PayMe link and QR
- Cash through an agent
Personal
One person.Many kinds of money.
The consumer app follows the day: what came in, what went out, what's still owed, and where cash fits.
Business
The same money,now it's revenue.
When a customer pays from their Paydoly balance, the business sees it — in the merchant app at the counter, and in the portal where the day gets reconciled.
Explore Business- Customer paysQR, Quick Sell, link or invoice
- ConfirmedAt the counter, in the merchant app
- RecordedOne reference, visible to both sides
- ReconciledMovements and settlement in Reports
Quick SellQR per storePayment linksInvoicesStores and staffPayoutsReports
Quick Sell · Barcode scanning
Your phone isthe point of sale.
Point the camera at any product's barcode and it drops straight into the cart — name, price and quantity pulled from your catalogue. No terminal to rent, no scanner gun, no card reader. Wherever you stand, the counter comes with you.
- Scan barcodes with the phone camera
- Prices from your own catalogue
- Customer pays by QR in seconds
- Every sale lands in Reports
Quick SellStore · Piantini
Ground coffee 453 g
Point at a barcodeAdded · Cart0 items
1×Ground coffee 453 gRD$ 395.00
1×Whole milk 1 LRD$ 78.00
1×Rice 5 lbRD$ 245.00
1×Salami 1 lbRD$ 210.00
1×Plantains ×3RD$ 75.00
TotalRD$ 0.00
Charge RD$ 0.00
Paid by QRRD$ 1,003.00Confirmed on both phones
Payouts
Pay your people.Even the ones without a bank.
Run payroll, pay a contractor, settle a supplier or send weekly commissions — to anyone with a phone number. Money lands in their Paydoly wallet in moments. They can spend it, send it, or collect it as cash at a nearby agent. No envelopes, no bank queues, no Friday-afternoon cash runs.
- Payroll and one-off payments
- To a wallet, a bank or agent cash
- Approvals and a full audit trail
- Recipients don't need a bank account
PayoutsPayroll · Friday
Ready to approve
Business balanceDOPUSD- María RosarioCashier · WalletRD$ 18,500Queued
- José PeñaWarehouse · Agent cashRD$ 16,200Queued
- Ana LugoStore lead · BankRD$ 24,000Queued
- Carlos TavárezDriver · contractor · WalletRD$ 12,750Queued
- Distribuidora FelizSupplier · BankRD$ 64,300Queued
Total runRD$ 135,750
Approve and pay
You've been paidRD$ 18,500.00 from Ferretería Méndez
Cash ↔ digital
Cash, meet balance.
A large share of everyday commerce still runs on bills. Paydoly agents are local businesses where cash becomes balance, and balance becomes cash.
Cash in
CashCounterPaydolyBalance
Hand cash to the agent. They find your account, confirm the amount, and your wallet is credited. A receipt lands on both sides.
Cash out
BalanceCodeCounterCash
Request a withdrawal in the app. The agent validates your one-time code, then hands over the cash.
Agent app
One network
Every side.One balance underneath.
Money a business receives, or an agent takes in, lands in the same kind of balance a person already holds. That is what makes Paydoly a network, not three apps.
Point at a side to follow its money.
Personal
Business
Agents
Paydoly balanceDOPUSD
Payments · Requests · PayMe · Quick Sell · Invoices · Cash in · Cash out
Trust
Where your money sits, and who can explain it.
No shields and no slogans — the controls that exist today.
- 01
Verified accounts
Identity checks on every account. Limits rise as verification completes.
- 02
A record for every movement
One reference per movement, visible to both sides, downloadable as a receipt.
- 03
A code on every cash withdrawal
Cash only leaves a balance against a one-time code the customer shares at the counter.
- 04
Sign-in tied to your device
Two-step sign-in, device records, and approval with PIN or biometrics on every payment.
- 05
Support that follows through
Raise a problem with a payment, attach evidence, and follow where it stands. help@paydoly.com
Paydoly is a financial technology company, not a bank. Banking services, including the holding of customer funds, are provided by Paydoly's licensed partner banks. Products and availability are subject to regulatory approval.
Why businesses switch
Everything a terminal does. And everything it can't.
A card terminal takes payments. Paydoly runs the money side of a small business — selling, getting paid, paying people and closing the day — from the phone already in your pocket.
PaydolyCard terminalBank transferCash only
What you need to startA smartphoneA rented or purchased deviceBank accounts on both sidesA till, change and a safe
Scan products at checkoutWith the phone cameraNeeds a separate POS and scannerNot availableNot available
Payment confirmationInstant, on both phonesInstantHours, sometimes next dayCount and check the notes
Customers without a cardPay from balance, or cash in at an agentCard requiredBank account requiredYes
Pay staff and suppliersFrom the same balanceSeparate serviceOne transfer at a timeEnvelopes and receipts
ReconciliationAutomatic, per store and staffProcessor statementBank statementManual
PricingCompetitive, shown before you approveRental plus processing feesPer-transfer chargesHandling, loss and theft risk
Illustrative comparison of typical alternatives in the Dominican market. Features and costs vary by provider.
Pricing
Pricing built to compete.
We're finalising pricing together with the merchants and agents who will use Paydoly every day. The commitment is simple: competitive with the terminals and transfers businesses rely on today, every fee shown before you approve it, and a real person to talk to as you grow.
Built on regulated rails
Technology by Paydoly. Banking by our partner banks.
Paydoly is a financial technology company, not a bank. Every banking service behind your account — including holding customer funds — is provided through licensed partner banks.
02Two entities
Paydoly Inc. and Paydoly Dominicana, S.R.L.
Paydoly Inc. is the US parent company. Paydoly Dominicana, S.R.L. is the Dominican operating company that serves customers in the Dominican Republic.
03Compliance
Know-your-customer from day one
Identity verification, transaction monitoring and anti-money-laundering controls apply to every account, merchant and agent.
04Security
Controls on every movement
Device-bound sign-in, PIN or biometric approval, one-time codes for cash and a reference on every transaction.
FAQ
The questions people ask first.
Is Paydoly a bank?
No. Paydoly is a financial technology company. Banking services — including holding customer funds — are provided by our licensed partner banks. Paydoly builds the apps, the network and the tools that move money between people, businesses and agents.
Where is Paydoly available?
Paydoly serves people and businesses in the Dominican Republic through Paydoly Dominicana, S.R.L. Paydoly Inc., the US parent company, leads technology, partnerships and global operations. Each product's availability is subject to regulatory approval.
Do my customers need the Paydoly app?
To pay from a Paydoly balance, yes — by QR at the counter, by payment link or against an invoice. Anyone can open an account in minutes and add cash at any Paydoly agent, which is how Paydoly reaches people who don't carry a card.
Can I hold pesos and dollars?
Yes. DOP and USD sit side by side as two real balances, each with its own history. Moving between them happens on a quote you see and accept first.
How much does Paydoly cost?
Pricing is being finalised and is designed to be competitive with the terminals, transfers and cash handling businesses use today. Whatever applies is always shown before you approve a transaction. For volume, talk to our team.
What if something goes wrong with a payment?
Every movement has a reference visible to both sides. Raise it in the app's Help section, email help@paydoly.com, or message us on WhatsApp at +1 809 454 3659.