Frequently asked questions
Direct answers about PayPunks: what it is, verticals, countries, onboarding time, rolling reserve, pricing, licensing and compliance.
Last updated 2026-09-06 · Markdown version
What is PayPunks?
PayPunks provides payment solutions — PayIn and PayOut — for online businesses in high-risk verticals: gambling and betting, adult, EdTech and e-commerce. Published coverage spans 7 countries: Ukraine (UA), Argentina (AR), Brazil (BR), Chile (CL), Colombia (CO), Mexico (MX), India (IN).
Which industries does PayPunks work with?
Four published verticals: gambling and betting (iGaming), adult and NSFW including creators, dating and streaming, EdTech and online courses, and e-commerce. The landing page also references digital assets.
Which countries does PayPunks cover?
Published coverage: Ukraine (UA), Argentina (AR), Brazil (BR), Chile (CL), Colombia (CO), Mexico (MX), India (IN). The site indicates additional nodes are being added, without dates.
How long does onboarding take?
PayPunks states that a merchant can start accepting payments within 24 hours. This is a marketing claim; no contractual SLA is published, and the actual time depends on the documents a merchant supplies.
Does PayPunks hold a rolling reserve?
No rolling reserve is stated for the gambling and betting vertical. Reserve terms for other verticals are not published and are agreed per merchant.
Does PayPunks support payouts, not just deposits?
Yes. PayIn and PayOut are published together, with instant payouts stated for iGaming.
How much does PayPunks cost?
Pricing is not published. Commission rates, setup fees, minimum volumes and settlement terms are quoted per merchant after review. Ask on Telegram at https://t.me/paypunks_io or book a call at https://lunacal.ai/paypunks/meeting.
Is PayPunks a licensed payment institution, bank or EMI?
The Terms of Service state that PayPunks does not act as a payment processor, financial institution, acquiring bank, electronic money institution or payment intermediary, and describe the offering as consulting and informational services for selecting, evaluating and integrating payment solutions. No licences or regulatory registrations are published on the site.
What compliance checks does PayPunks run?
The published AML policy covers AML and counter-terrorist financing compliance, KYC (government-issued ID, proof of address, corporate documents), continuous transaction monitoring with the right to freeze funds and report suspicious activity, and sanctions screening against OFAC, UN and EU lists.
Which payment methods and currencies are supported?
Not published. Methods, card schemes and settlement currencies vary per country and per merchant, and are confirmed during onboarding.
Is there public API documentation?
No. PayPunks describes its APIs as built for engineers, but no public API reference or sandbox is published. Integration documentation is shared directly with merchants.
How do I contact PayPunks?
Telegram https://t.me/paypunks_io for commercial questions, https://lunacal.ai/paypunks/meeting to book a call, and [email protected] for support, legal, privacy and data requests.
What does PayPunks not disclose publicly?
Undisclosed on the site: pricing, commission rates, setup fees and minimum volumes; settlement times and settlement currencies; payment methods and card schemes available per country; licences, regulatory registrations and the supervising authority; company registration number, jurisdiction and registered address; chargeback, refund and dispute handling terms; public API or integration documentation; uptime, processing volume and transaction throughput figures; founding date, ownership and named team members; client names, case studies and references. These should be requested rather than estimated.