Paays is a Canadian FinTech creating integrated fraud detection, IDV, AML and income verification solutions for today’s financial services industry. We are passionate about making the lending process easier, more accessible, and more secure — with smoother customer journeys, less fraud, and better conversion.

About Us

Even with the knowledge that a digital future is now upon us, today’s financial services companies struggle to integrate the tools they need. Many fraud and KYC solutions available today are clunky and inefficient—legacy solutions, built around manual processes and physical customer interaction. Paays is bringing this process into the 21st century and powering the road to digitization, enabled by a single dashboard or single API.

With industry-leading fraud detection technology, Paays combines several advanced solutions into one easy-to-use platform or API. Lenders can easily verify their customers’ identity and income/employment, as well as screen for fraud and AML. Our solutions are proven to weed out bots and bad actors, while increasing conversions, saving everyone time, uncertainty, and effort.

Our Team

David Fry

Founder & CEO

David has over 20 years of capital markets experience in MD and Vice-chair roles with global banks in London, NYC and Toronto. He was a Co-Founder of Lawrence Park Capital in 2012, and a Co-Founder of Aspire FinTech in 2015. David launched Paays as a travel BNPL provider in 2018, pivoting Paays to Enterprise FinTech in 2021.

Maurício Mota

Head of Product

With over a decade of experience in architecting and building technology products, Mauricio has a stellar track record of delivering successful solutions to enterprises. He has a deep understanding of Open Banking, through his various roles as an early employee at Flinks, where most recently he was Head of Integrations and Product Manager.

Anne-Marie Kelly

Head of Fraud

Anne-Marie is an identity, fraud detection and risk management expert. With over 25 years of experience including senior leaderships roles at Mastercard, Transunion and Manulife Bank, she is a sought-after and trusted thought leader in the industry.

Andrea Neufeld

Advisory Board Member

Andrea has extensive work experience at the intersection of finance and technology, building strong relationships in both worlds for over a decade. She’s the former Head of Global Client Operations at Flinks, Canada’s largest Bank Data Aggregator. Previously, she was a Senior Process Manager for Capital One in Toronto

Mike Carmichael

Advisory Board Member

Mike is a 4th generation automotive dealer. He has over 20 years of experience with various domestic and import brands auto retail in Canada. He is the Founder, President and Owner of UpAuto (2017), and was the President and Dealer Principal of City Buick Chevrolet Cadillac (2010), and the President of AutoPark (2013).

Paul Sims

Advisory Board Member

Paul is a serial entrepreneur, executive, angel investor, and board member with 20 years in tech businesses from idea to $100mm in revenue. He was an early executive or co-founder of 3 market-leading auto marketplaces – AutoTrader.com, DealerMatch, and OVE.com. He’s an executive and advisor to some of the world’s largest auto warranty companies – The Warranty Group, Portfolio, APCO and AUL. Paul has successfully raised over $60mm across multiple startups.

Fraud detection, ID Verification, AML and Income Verification with one platform, one API and one integration!