The people
What they build
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Working at Paays
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On the TechTO stage
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About
Paays Financial Technologies started as a lending platform: on TechTO's TravelTechTO stage in May 2018, co-founder and CEO David Fry described a product that turned a large travel purchase into monthly payments and offered prime and non-prime borrowers financing at the point of sale. During the pandemic the company was building a customer-identity program for the travel market when Fry learned from an auto-industry contact that dealers were moving to digital transactions and becoming a fraud target; Paays built a prototype, talked to dealers and lenders, and integrated with the RouteOne financing platform (Canadian Auto Dealer, 2022-08-05). It launched ID Verifier in October 2022, document, face-match and liveness checks plus device, email and credit-bureau anti-fraud signals, citing roughly $1 billion a year of auto-financing fraud in Canada. By 2026 the company says 600+ dealerships are on its network and that each check draws on a shared pool that flags fraud a single check would miss.
Backers
No funding round found in any source read for this page.
Quick answers
What does Paays do?
It verifies car buyers for dealerships and lenders, combining identity, income and anti-money-laundering checks on one platform, with a shared network that flags fraud a single check might miss (paays.com, 2026). It launched ID Verifier in October 2022.
Who founded Paays?
David Fry, a former Deutsche Bank Canada global-markets head and hedge-fund co-founder. The company's own site dates the founding to 2018; Fry was already on the TechTO stage as co-founder and CEO in May 2018.
How did Paays end up in auto finance?
It began as an instalment-financing platform for travel and e-commerce purchases. While building a customer-identity program for travel during the pandemic, Fry learned the auto industry was going digital and attracting fraud, built a prototype, and integrated with RouteOne (Canadian Auto Dealer, 2022-08-05).