Our team has completed a new investigation into Tdaypay, a payment gateway operating under the radar with an increasingly familiar structure: fake payroll projects, offshore cash routing, and a misleading fintech front.
Despite its relatively low profile in public listings, Tdaypay is quietly facilitating unregulated payments across CIS territories and tax-neutral jurisdictions. While the platform poses as an agent-based B2B processor, its backend behavior strongly resembles mechanisms commonly used in laundering and high-risk transaction masking.
The Core Structure: “Salary” Projects With No Employees
Tdaypay advertises payroll and agency solutions. However, our analysis of associated transaction behavior suggests a pattern in which funds are cycled through regional corporate accounts with no clear business activity, payroll obligations, or employee records.
Instead, payments are issued under false labels—“contractual settlement,” “freelance invoice,” or “monthly retainer”—but ultimately serve as a cash-out route for third-party funds. These funds typically originate from sources flagged in unrelated investigations: grey-market entertainment services, gambling affiliates, and anonymous crypto trading desks.
Mirror Image of Other Fraudulent Gateways
Tdaypay’s architecture mirrors previously exposed laundering tools: compartmentalized bank accounts, proxy directors across multiple legal entities, and limited public-facing infrastructure. In fact, our technical comparison found key operational similarities with at least two flagged gateways involved in gambling fund extraction.
Although no confirmed evidence currently ties Tdaypay to Pakistan, its model closely resembles fintech “clones” often seen in that region—apps designed to imitate local wallets (like JazzCash or EasyPaisa), but with backends routed through offshore processors.
Lack of Transparency and Regulatory Blind Spots
Tdaypay does not publish a licensing structure, executive team, or verifiable customer support channel. The platform’s contact infrastructure appears to be either decentralized or anonymized. Our inquiries into associated business registries in multiple jurisdictions produced no definitive leads.
It’s this very opacity that enables the platform to remain unnoticed by financial watchdogs, especially in cases where transactions are disguised as legal B2B settlements but in fact involve unauthorized capital flows.
Why It Matters
Unregulated gateways like Tdaypay erode financial transparency and invite abuse by enabling anonymous transfers under a false veneer of corporate legitimacy. Without user verification, AML screening, or government oversight, such platforms become ideal tools for actors looking to wash funds without triggering red flags.
Conclusion: Another Brick in the Wall
Tdaypay represents yet another iteration in a growing list of fintech-style platforms weaponized for cross-border laundering and pseudo-payroll abuse. Whether or not it expands its model to include direct operations in Pakistan or Southeast Asia, its architecture is already optimized for silent integration with those environments.
Our team will continue monitoring its activity and related actors. If you possess internal documents, payment proofs, or technical logs involving Tdaypay or similar platforms, we encourage whistleblowers and cybersecurity professionals to come forward.