Retain 100% Revenue
Legacy gateways charge up to 2.9% per transaction. By facilitating direct settlement to your bank or wallet, Paycilo keeps that margin in your business.
The Infrastructure for Direct Commerce.
Getting paid is fast. Sharing how to get paid is not. We are building the identity layer for the financial web that replaces fragmentation with trust.
Why Paycilo exists
The Manifesto
Paycilo was born from a simple observation. While card processors perfected the checkout experience, direct payments remained stuck in the era of manual entry. To avoid the costs of a gateway, millions of freelancers and businesses are forced to choose between the polish of a processor and the efficiency of a direct transfer.
Paycilo provides a single, structured way to present payment details, separate from the conversation itself.
We built the interface that makes Direct Payments (Bank-to-Bank, Crypto-to-Wallet) as user-friendly as a card checkout. We remove the friction from the payment rails that cost you the least, so you can bypass the ones that cost you the most.
Zero Holding Time
Standard processors enforce rolling settlement windows. With our direct protocol, funds are available in your account the moment the transaction clears.
Data Sovereignty
Your financial data is encrypted at rest using AES-256. We never share or sell your transaction information to third parties.
You are the Customer
Business Model
We don’t sell transaction data. Our business model is simple: basic features are free, power features (Analytics, Custom Domains) are paid.
Paycilo
@brand
Verified Account
Direct-to-Bank Settlement.
The Protocol
Paycilo connects your customer directly to your bank app. No middleman holding periods. No wallet to withdraw from.
1. The Request
Sender visits your unique handle (e.g., paycilo.com/@you). No app download required.
2. Secure Decryption
Paycilo core resolves your handle and decrypts your banking details for the sender's view only.
3. Direct Settlement
Money moves via standard banking rails (Zelle, ACH, Transfer). Paycilo is completely bypassed.
Sender
Direct Connection
You
Paycilo Security Layer
Link in bio, payment in one place
Instead of posting raw account numbers on every page, you share a single Paycilo link. People come from WhatsApp, Instagram or X and see the same clear payment view, which makes you look more organised and professional.
Simpler flow for shared payments
For rent, group gifts or ongoing support, everyone pays through the same Paycilo link. You keep your usual banking apps, but the inflows are tied to one starting point so it is easier to see what came in and why.
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Choose Payment Method
Bank Name
Chase Bank (US)
Account Number
8829001122
USDT (TRC20) Address
0x71C765...d8976f
Please click "I have paid" below once the transfer is complete to notify the merchant.
Secured by Paycilo
The "Direct" Option
with the trust of a checkout.
Asking for a bank transfer usually looks amateur. Paycilo wraps your account details in a verified, branded interface that rivals any checkout page, building trust without the fees.
The Last Mile of Exchange
The Philosophy
In today’s usually instant world, the moment the money needs to move, the ease deteriorates. Details are copied, reformatted and resent. What should be a natural continuation of the interaction becomes a manual, fragile step with queries and raised eyebrows.
Paycilo addresses this by separating financial coordinates from the conversation. Instead of embedding sensitive or inconsistent details into whatever format comes to mind in that moment, it provides a stable, recognisable surface that can be referenced anywhere easily. The result is trust and coherence with all options in one space.
By giving peer-to-peer exchange a consistent structure, Paycilo turns an awkward ‘ask’ into a composed handoff. It allows people to present a payment gateway in the same way they present their name or profile, with clarity, continuity, and intent. This is not a new behaviour. It is the missing interface that makes an existing one feel complete.
Free to start
Secure your unique
@handle today.
Don't let someone else take your business name. Create your professional payment link in seconds. No coding, no new bank account needed.
paycilo.com/
@your-name
Claim it
No monthly fees
Setup in 2 mins