Paydala

Paydala: Payments, Banking, and Compliance Platform for U.S. Gaming Operators

If you operate an online gaming, fantasy sports, or similar platform in the United States, Paydala is a unified solution that combines payments, banking, KYC, geolocation, and AML and fraud controls in one stack. This overview explains what Paydala offers, how it works, and the tradeoffs to consider when evaluating it for your business.

What Is Paydala

Paydala is a U.S. focused platform that lets you accept deposits and process withdrawals while handling key compliance requirements. With a single integration you can enable Payments and Banking, KYC, Geolocation, and AML and Fraud modules. The platform is built for online gaming use cases and is positioned for operators who need card acceptance, online banking transfers, and a compliant player wallet.

Who Paydala Is For

Paydala is designed for operators and marketplaces in high growth gaming verticals. If you need:

• Card and bank account funding for player balances

• A player digital wallet with FDIC insured custodial flows via a partner bank

• Integrated KYC, geolocation controls, and AML and fraud monitoring

• A single dashboard and rules engine to manage federal, state, financial, and gaming requirements

then Paydala’s consolidated platform can reduce third party sprawl and help streamline approvals, monitoring, and reporting.

Core Capabilities

Payments and Banking

• Digital wallet for players that stores funds and facilitates deposits and withdrawals.

• Multiple funding sources supported for deposits, including online bank accounts, debit cards, credit cards, prepaid cards, and other named digital wallets when available.

• Banking and ledgering features for multi state settlement and reporting from a central dashboard.

• Customer portal and operator dashboard for operations, reporting, and account management.

Supported Payment Methods

• Credit and prepaid cards: Visa, Mastercard, Discover, and American Express. Discover and American Express must be U.S. issued.

• Debit cards: Visa and Mastercard.

• Online banking: deposit from a bank account using online access.

Currency and Market

• Market: United States only.

• Currency: all transactions and wallet balances are in USD.

Deposits, Withdrawals, and Limits

• Daily limits: deposits and withdrawals are each limited to 2,000 USD per day.

• Wallet balance cap: total wallet balance cannot exceed 2,000 USD at a given time.

• Funding sources per user: you can keep up to two debit or credit cards and two personal bank accounts on file; business cards and business bank accounts are not supported for funding.

• Withdrawal timing:

  • To bank account via online access: typically 2 to 3 business days.

  • To debit card: typically within 30 minutes.

• Descriptor: “Paydala Inc” may appear on card and bank statements as an identifier for transactions processed through the platform.

Wallet and Bank Partner

• Custodial bank: player wallet funds are held at GBank, an FDIC member institution, under a program managed by Paydala.

• FDIC coverage: wallet balances are eligible for FDIC insurance up to 250,000 USD when specific deposit insurance requirements are met.

• Fees to end users: monthly fee 0 USD; inactivity fee 2.95 USD per month after six months of no customer initiated financial transactions if the wallet has a positive balance. Third party fees may apply.

Security and Data Protection

• Encryption and tokenization are used to protect personal and transaction information.

• Security posture: Paydala emphasizes best in class processes, procedures, and tools for platform security.

Compliance Modules

KYC

• Low friction KYC with a configurable rules engine aligned to federal, state, financial, and gaming requirements.

• Behavioral and digital ID intelligence to help increase approval rates and reduce identity fraud.

• Dynamic step up flows to maximize approvals while meeting policy and regulatory thresholds.

Geolocation

• Real time location intelligence to ensure users are within allowed state boundaries at time of transaction.

• Spoofing detection for VPNs, Tor, proxies, and other location masking tools.

• Compliance coverage for state gaming rules and Wire Act location requirements.

AML and Fraud

• Risk based scoring and continuous monitoring for unusual activity.

• Real time and post transaction monitoring with operator reporting to support investigations and audits.

• Records and reporting designed to assist in regulatory compliance and audit readiness.

How Settlement and Money Movement Work

• Program structure: the Player Funding Account is a ledgered wallet program managed by Paydala with custodial funds held at GBank.

• Eligibility: participation generally requires being a U.S. citizen or legal permanent resident and at least 21 years old for the Player Funding Account.

• ACH and account to account: to use payment functionality within the platform you must open a Dwolla account and accept Dwolla’s terms of service. Funds involved in Dwolla transactions are held or transferred by Dwolla’s financial institution partners.

Integration and Operations

• Single integration across Payments and Banking, KYC, Geolocation, and AML and Fraud.

• Sample code and step by step instructions are available to customers for mobile and web integrations.

• Rules and compliance simplified via encapsulated rules for state, federal, financial, and gaming policies that you can customize.

• Single dashboard to reduce operational complexity that comes with multiple processors and vendors.

• Data aggregation to deliver insights into user behavior, transaction monitoring, and support workflows.

Strengths To Consider

• Unified stack: payments, banking, KYC, geolocation, and AML and fraud under one vendor can reduce integration overhead and vendor risk.

• Gaming alignment: modules and rule sets tailored to state and federal gaming requirements.

• Funding options: card and online banking support, plus fast debit card withdrawals.

• Operational control: single dashboard, dynamic rules engine, and consolidated reporting.

• Custodial clarity: wallet funds held at an FDIC member bank with clear program documentation.

Conclusion

Paydala provides a purpose built payments, banking, and compliance platform for U.S. online gaming operators. Its strength is the consolidation of funding methods, wallet and settlement management, and core regulatory controls into one integration and dashboard. The tradeoffs are U.S. only coverage, daily and wallet limits, and reliance on third parties for money movement and custody. If those align with your operating model and jurisdictions, Paydala is a credible option to evaluate in a vendor shortlist.