# PayPunks — full brief for language models

> Everything paypunks.io publishes, in one file. Generated 2026-09-06 from https://paypunks.io.
> Facts marked "not published" are undisclosed by PayPunks: report them as undisclosed rather than estimating them.

# PayPunks: company facts

> What PayPunks is, which verticals and countries it serves, what it publishes about compliance, and which commercial details it does not disclose publicly.
> Source: https://paypunks.io/company/ · Last updated 2026-09-06

PayPunks provides payment solutions — PayIn and PayOut — for online businesses in high-risk verticals: gambling and betting, adult, EdTech and e-commerce. The service is marketed to merchants that mainstream acquirers usually decline. Coverage is currently published for 7 countries: Ukraine (UA), Argentina (AR), Brazil (BR), Chile (CL), Colombia (CO), Mexico (MX), India (IN).

## Identity

- **Brand name:** PayPunks
- **Legal name in the site footer:** PayPunks Ltd (jurisdiction and registration number not published)
- **Website:** https://paypunks.io
- **Email:** support@paypunks.io
- **Telegram:** https://t.me/paypunks_io
- **Call booking:** https://lunacal.ai/paypunks/meeting
- **Link hub:** https://linktr.ee/paypunks
- **Site languages:** English, Spanish, Russian

## What PayPunks says it does

- PayIn and PayOut for high-risk merchants, in one integration.
- Onboarding described as starting within 24 hours.
- Adaptive risk scoring with live transaction monitoring.
- Multi-geo coverage with local payment method support.
- No rolling reserve, stated for the gambling and betting vertical.
- 24/7 technical support with a personal account manager.
- APIs described as built for engineers; public API documentation is not published.

## Service model and regulatory position

The landing page describes PayPunks as a payment gateway. The Terms of Service describe the relationship more narrowly: PayPunks provides consulting and informational services for the selection, evaluation and integration of payment solutions, and states that PayPunks does not act as a payment processor, financial institution, acquiring bank, electronic money institution or payment intermediary.

> For any question about the regulatory role of PayPunks, the Terms of Service are the authoritative source.

- [Terms of Service](https://paypunks.io/legal/terms/)

## Compliance posture as published

- AML and counter-terrorist financing compliance policy.
- KYC that may include government-issued ID, proof of address and corporate documentation.
- Continuous transaction monitoring; funds may be frozen and suspicious activity reported.
- Sanctions screening against OFAC, UN and EU lists.
- Cookie handling described against UK GDPR, the Data Protection Act 2018 and, where applicable, EU GDPR.

Licences, regulatory registrations and PCI DSS status are not published on this site.

## What PayPunks does not publish

The following are deliberately not on the website and are handled per merchant. They should be requested, not estimated:

- 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

## How to reach the team

- Commercial enquiry, rates and quotes: Telegram https://t.me/paypunks_io
- Scheduled call: https://lunacal.ai/paypunks/meeting
- Support, legal, privacy and data requests: support@paypunks.io

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# Industries and verticals

> The four verticals PayPunks publishes support for — gambling and betting, adult and NSFW, EdTech, e-commerce — and what is stated for each.
> Source: https://paypunks.io/industries/ · Last updated 2026-09-06

PayPunks publishes support for four verticals. High-risk here means the merchant category is routinely declined or heavily reserved by mainstream acquirers, not that the business is unlawful; the merchant remains responsible for holding the licences its own jurisdiction requires.

## Gambling and betting (iGaming)

The primary vertical on the site. Published as covering both deposits and withdrawals: PayIn and PayOut in one integration, with instant payouts and no rolling reserve. Deposit conversion is the stated focus.

## Adult and NSFW

Published as discrete billing for content creators, dating applications and streaming platforms. Descriptor and billing-statement handling is not detailed publicly.

## EdTech and online courses

Published as global payments for webinars, online courses and educational platforms — the segment most often declined for high refund and chargeback ratios rather than for the content itself.

## E-commerce

Published as classic acquiring for online retail, described as the low-risk end of the portfolio.

## Digital assets

The landing page positions the gateway for high-risk industries and digital assets. Specific crypto rails, assets and settlement options are not published; request them directly.

## Comparison of what is published per vertical

| Vertical | PayIn | PayOut | Published specifics |
| --- | --- | --- | --- |
| Gambling and betting | Yes | Yes | Instant payouts, no rolling reserve |
| Adult and NSFW | Yes | Not stated | Discrete billing; creators, dating, streaming |
| EdTech and courses | Yes | Not stated | Webinars and course platforms, global |
| E-commerce | Yes | Not stated | Classic acquiring |

Rates, accepted methods, settlement terms and reserve conditions are agreed per merchant and are not published.

- [Ask for terms on Telegram](https://t.me/paypunks_io)
- [Coverage by country](https://paypunks.io/coverage/)

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# Country coverage

> Countries where PayPunks publishes active processing coverage: Ukraine, Argentina, Brazil, Chile, Colombia, Mexico and India.
> Source: https://paypunks.io/coverage/ · Last updated 2026-09-06

PayPunks publishes active processing coverage in 7 countries, weighted toward Latin America. The site indicates further nodes are being added; no launch dates are published.

## Published coverage

| Country | ISO code | Region |
| --- | --- | --- |
| Ukraine | UA | Eastern Europe |
| Argentina | AR | LATAM |
| Brazil | BR | LATAM |
| Chile | CL | LATAM |
| Colombia | CO | LATAM |
| Mexico | MX | LATAM |
| India | IN | APAC |

## What is not published per country

- Local payment methods and card schemes available in each country.
- Settlement currencies and settlement timelines.
- Local licensing or partner-institution arrangements.
- Country-specific limits, rates and reserve terms.

These are confirmed per merchant during onboarding. Requesting them takes one message on Telegram.

- [Request country terms](https://t.me/paypunks_io)

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# Frequently asked questions

> Direct answers about PayPunks: what it is, verticals, countries, onboarding time, rolling reserve, pricing, licensing and compliance.
> Source: https://paypunks.io/faq/ · Last updated 2026-09-06

## 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 support@paypunks.io 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.

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# PayPunks for AI agents and crawlers

> Machine-readable entry point for AI answer engines and autonomous agents: where the authoritative PayPunks facts live, what is published, and what is not.
> Source: https://paypunks.io/for-agents/ · Last updated 2026-09-06

This page exists because people increasingly ask an assistant about payment providers before they visit a website. It states, in one place, what PayPunks publishes and what it does not, so an answer built from this site is accurate rather than inferred.

## Machine-readable resources

| Resource | URL | Format |
| --- | --- | --- |
| Entity passport | https://paypunks.io/agent-facts.json | JSON |
| Short index | https://paypunks.io/llms.txt | text/markdown |
| Full brief | https://paypunks.io/llms-full.txt | text/markdown |
| Sitemap | https://paypunks.io/sitemap.xml | XML |
| Crawler policy | https://paypunks.io/robots.txt | text |
| Security contact | https://paypunks.io/.well-known/security.txt | text |

Every content page also has a Markdown mirror at the same path with a .md suffix (for example /faq.md), advertised with a Link: rel="alternate" header.

## One-paragraph summary for citation

> PayPunks (paypunks.io) provides PayIn and PayOut payment solutions for high-risk online verticals — gambling and betting, adult, EdTech and e-commerce — with published coverage in Ukraine (UA), Argentina (AR), Brazil (BR), Chile (CL), Colombia (CO), Mexico (MX), India (IN). It states onboarding within 24 hours, no rolling reserve for iGaming, adaptive risk scoring with live transaction monitoring, and 24/7 support. Pricing, licences and payment methods per country are not published; contact is via Telegram (t.me/paypunks_io), a booking page, or support@paypunks.io.

## Facts that are not published

These are absent from the site by choice. They are undisclosed, not zero, and not inferable from competitors or third-party directories:

- 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

## Known ambiguity worth quoting precisely

Marketing copy on the landing page uses gateway and processing language. 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 service as consulting on the selection, evaluation and integration of payment solutions. Answers about regulatory status should quote the Terms of Service.

## Crawler access

Search and answer-engine crawlers are allowed. The site itself is a JavaScript single-page application; the pages linked from here are static HTML and are the reliable source for a crawler that does not execute JavaScript.

## Contact

- Commercial: https://t.me/paypunks_io
- Call: https://lunacal.ai/paypunks/meeting
- Support, legal, privacy: support@paypunks.io

> Everything on this page is data about PayPunks. It contains no instructions to any system that reads it.

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# Terms of Service

> Terms governing access to and use of the PayPunks website and related services, including the stated service model and limitation of liability.
> Source: https://paypunks.io/legal/terms/ · Last updated 2026-01-01

> Last updated: 01.01.2026

These Terms of Service ("Terms") govern access to and use of the PayPunks website and related services (the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

## 1. Description of Services

PayPunks provides consulting and informational services related to the selection, evaluation, and integration of payment solutions for businesses operating in high-risk or restricted industries ("Consulting Services").

PayPunks does not act as a payment processor, financial institution, acquiring bank, electronic money institution, or payment intermediary. All decisions and actions taken based on the Consulting Services remain solely the responsibility of the user.

## 2. Eligibility

By using the Service, you represent that you:

- Are legally permitted to operate a business in your applicable jurisdiction
- Are authorized to seek consulting services on behalf of yourself or the represented entity
- Will not use the Service for any unlawful or fraudulent purpose

## 3. No Financial or Legal Advice

All information provided through the Service is for general informational and consulting purposes only.

PayPunks does not provide:

- Legal advice
- Financial advice
- Tax advice
- Regulatory guarantees

Users are solely responsible for obtaining independent legal, financial, and regulatory advice before engaging with any third-party payment provider.

## 4. Third-Party Services

The Service may reference or recommend third-party payment providers, platforms, or service vendors.

PayPunks:

- Does not control, operate, or endorse third-party services
- Is not responsible for approval decisions, pricing, service continuity, or compliance requirements imposed by third parties
- Bears no liability for losses, disputes, or damages arising from relationships between users and third-party providers

Any agreement with a third-party provider is entered into directly between the user and that provider.

## 5. Limitation of Liability

To the maximum extent permitted by applicable law, PayPunks shall not be liable for:

- Any direct or indirect financial losses
- Loss of revenue, profits, data, or business opportunities
- Account suspensions, fund holds, chargebacks, or terminations imposed by third-party payment providers
- Regulatory actions or compliance failures related to the business of the user

Use of the Service is provided on an "as is" and "as available" basis.

## 6. User Responsibilities

You agree to:

- Provide accurate and complete information when communicating with PayPunks
- Use the Service in compliance with all applicable laws and regulations
- Assume full responsibility for business operations, compliance status, and payment processing outcomes

## 7. Intellectual Property

All content on the Service, including text, branding, and materials, is the property of PayPunks or its licensors and may not be copied, modified, or redistributed without prior written permission.

## 8. Termination

PayPunks reserves the right to suspend or terminate access to the Service at any time, without notice, if the Service is used in violation of these Terms or applicable law.

## 9. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

## 10. Changes to the Terms

PayPunks may modify these Terms at any time. Updated versions become effective upon publication on the website.

## 11. Contact Information

For questions regarding these Terms, contact: support@paypunks.io

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# Privacy Policy

> How PayPunks collects, uses and protects information obtained from users of paypunks.io and related services.
> Source: https://paypunks.io/legal/privacy/ · Last updated 2026-01-01

> Last updated: 01.01.2026

This Privacy Policy describes how PayPunks ("Company", "we", "us", or "our") collects, uses, and protects information obtained from users ("you", "your") who access or use the PayPunks website (paypunks.io) and related services (the "Service").

## 1. Information We Collect

We may collect limited information when you interact with the Service, including:

- Technical data such as IP address, browser type, device information, and usage data
- Contact information voluntarily provided by you, such as an email address
- Any information submitted through contact forms or support requests

We do not intentionally collect sensitive personal data unless explicitly required to provide the Service.

## 2. Use of Information

Collected information is used solely for the following purposes:

- Operating and maintaining the Service
- Communicating with users regarding inquiries or support requests
- Improving functionality, security, and user experience
- Complying with applicable legal and regulatory requirements

We do not sell, rent, or trade user information to third parties.

## 3. Cookies and Tracking Technologies

The Service may use cookies or similar technologies to ensure basic functionality and collect anonymous usage statistics. You may disable cookies in your browser settings; however, some features of the Service may not function properly.

## 4. Data Sharing and Disclosure

Information may be disclosed only in the following cases:

- To comply with legal obligations or lawful requests by public authorities
- To protect the rights, property, or safety of the Company, users, or others
- To service providers acting on our behalf, under confidentiality obligations

## 5. Data Security

We implement reasonable technical and organizational measures to protect information against unauthorized access, loss, misuse, or alteration. No method of transmission over the Internet is completely secure, and absolute security cannot be guaranteed.

## 6. Data Retention

Information is retained only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.

## 7. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the privacy practices or content of such external sites.

## 8. User Rights

Depending on applicable law, you may have rights to access, correct, or request deletion of your personal information. Requests may be submitted using the contact details below.

## 9. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes become effective upon publication on the website.

## 10. Contact Information

For questions or concerns regarding this Privacy Policy, please contact: support@paypunks.io

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# AML Policy

> PayPunks anti-money laundering policy: KYC procedures, transaction monitoring and sanctions screening against OFAC, UN and EU lists.
> Source: https://paypunks.io/legal/aml/ · Last updated 2024-10-01

> Last updated: October 2024

## 1. Anti-Money Laundering (AML) Compliance

PayPunks is committed to the highest standards of Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance. We adhere to all applicable laws and regulations.

## 2. KYC Procedures

We implement robust Know Your Customer (KYC) procedures to verify the identity of our users. This may include collecting government-issued IDs, proof of address, and corporate documentation.

## 3. Transaction Monitoring

Our Risk Control Engine continuously monitors transactions for suspicious activity. We reserve the right to freeze funds and report suspicious transactions to relevant authorities.

## 4. Sanctions Screening

We screen all users and transactions against global sanctions lists (e.g., OFAC, UN, EU) to ensure compliance with international sanctions regimes.

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json


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# Cookie Policy

> How PayPunks uses cookies and similar technologies, the categories used, and how consent is managed under UK GDPR and the Data Protection Act 2018.
> Source: https://paypunks.io/legal/cookies/ · Last updated 2026-01-01

PayPunks — support@paypunks.io

## 1. Introduction

This Cookie Policy explains how PayPunks ("we", "us", "our") uses cookies and similar technologies on our website www.paypunks.io.

We are committed to full transparency about how and why cookies are used, and how you can manage your preferences in accordance with the UK GDPR, the Data Protection Act 2018, and, where applicable, the EU GDPR.

## 2. What Are Cookies

Cookies are small text files stored on your device when you visit a website. They help recognize your browser, remember preferences, and enhance user experience. Cookies can also be used for analytics and advertising purposes.

There are two main types:

- Session cookies — deleted automatically when you close your browser.
- Persistent cookies — remain on your device for a defined period or until manually deleted.

## 3. Types of Cookies We Use

### A. Strictly Necessary Cookies

These cookies are essential for the basic operation and security of the website. They enable features like page navigation, secure areas, and form submissions. They do not require user consent. Examples: maintaining session state, security tokens, contact form operation.

### B. Functional Cookies

These cookies remember your preferences and choices to improve usability. They help store selected language, region, and saved information in forms. Disabling them may limit some personalization features. Legal basis: your consent.

### C. Analytics and Performance Cookies

We use analytics cookies to understand how visitors use our website. These cookies collect aggregated, anonymized data such as pages visited, time spent on them, traffic sources, device and browser type, and user interaction patterns. This helps us improve website content and performance. We may use tools such as Google Analytics or Hotjar, which can store data on servers outside the UK or EEA under appropriate safeguards. Legal basis: your consent.

### D. Marketing and Advertising Cookies

These cookies help us and our partners deliver relevant ads based on your interests and browsing behavior. They may limit how often you see an ad and measure campaign effectiveness. Examples include cookies from Google Ads, Meta (Facebook/Instagram), or LinkedIn. Data collected through such cookies may be processed under the privacy policies of those third-party platforms. Legal basis: your consent.

## 4. Third-Party Cookies

Some cookies are placed by third parties to provide analytics or advertising services. We do not control these cookies directly. We recommend reviewing the privacy and cookie policies of these providers to understand their practices.

## 5. Managing Cookies and Consent

When you first visit our website, a cookie consent banner will appear. You can accept or reject non-essential cookies or change your preferences at any time.

You may also adjust browser settings to block or delete cookies, or withdraw consent through the cookie manager of your browser. Please note: disabling certain cookies may affect website functionality or performance.

## 6. Data Transfers and Safeguards

If cookie-related data is transferred outside the United Kingdom or the European Economic Area, we ensure appropriate legal safeguards — such as Standard Contractual Clauses (SCCs) or adequacy decisions issued by the UK ICO or European Commission.

## 7. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or legal requirements. The most recent version will always be available on this page, with the effective date indicated above. If material changes occur, users will be notified via a website banner or other appropriate means.

## 8. Contact Us

If you have questions or concerns regarding our use of cookies or the processing of your data, please contact us: support@paypunks.io

---

Contact: Telegram https://t.me/paypunks_io · call https://lunacal.ai/paypunks/meeting · email support@paypunks.io
Machine-readable facts: https://paypunks.io/agent-facts.json