Pagorapido: Opaque Card Processor Inside RIV’s Adult Payment Rails

Payment Contributor
Wed, 25 Mar 2026 11:04:18 +0000
Compliance, ticker, Whistleblower, adult payments, AML, Cristian Orto, high‑risk PSP, Hydra Group, merchant of record, Pagorapido, RagazzeInVendita, RIV, RIV Network, Roberto Maggio, Vanessa Patitucci, Vincenzo Orto

Pagorapido is a card‑payment brand embedded in the Bulgarian Hydra Group’s RagazzeInVendita (RIV) adult‑content ecosystem. It appears to function as an in‑house merchant‑of‑record/payment vehicle rather than a transparent, independently regulated PSP. Its public website shows strong signs of being a placeholder or façade, while the underlying legal entity in Spain has an irregular registry status, raising significant red flags for compliance teams.

Key findings

Pagorapido is used as merchant of record and billing descriptor (“PAGORAPIDO”) for credit/debit card payments on RagazzeInVendita.com (RIV).

RIV’s checkout explicitly states that payments are “securely processed by Pagorapido,” and the descriptor PAGORAPIDO appears on card statements.

RIV / “I Love RIV” terms refer to Pagorapido SA as the processor of card payments for ragazzeinvendita.com and related services.

The site pagorapido.com shows a footer: “Property of Hydra Group – Copyright © Pago Rapido”, directly linking the Pagorapido brand to Hydra Group, the operator of RIV.

Spanish corporate records identify Pagorapido SA (A76360437), incorporated in Las Palmas (Canary Islands) in 2019, with a broad corporate purpose including telematic services and financial intermediation.

Directors and apparent controllers include Roberto Maggio (president), Cristian Orto, Vincenzo Orto, and Vanessa Patitucci, who are also connected to other Hydra‑related entities.

Registry entries indicate that Pagorapido SA’s company sheet has been provisionally closed/removed from the index, suggesting an inactive or irregular status since 2023.

The public website uses “Lorem ipsum” placeholder text (e.g., on the Portfolio page) and vague marketing slogans, with no licence details, no clear corporate disclosures, and non‑functional or empty social‑media links.

No payment‑institution or e‑money licence numbers or supervising authorities are disclosed, despite claims of processing payments for many companies, including high‑risk adult merchants.

Overall, Pagorapido combines group‑internal control, registry irregularities, high‑risk merchant exposure and a façade‑like website, making it a high‑risk counterparty from an AML/CFT and fraud‑prevention perspective.

Compliance analysis and conclusion

From a compliance angle, Pagorapido appears to be a group‑internal card and possibly crypto gateway for Hydra Group’s RIV adult platforms, rather than a properly branded, independently supervised PSP. The same controlling group seems to own the merchant (RIV) and the processor (Pagorapido), which concentrates risk and undermines arm’s‑length checks and balances.

The irregular Spanish registry status of Pagorapido SA, combined with continued commercial use of the Pagorapido brand, raises concerns that card flows may be routed through an entity that is no longer in good standing or may be using alternative structures that are not transparently disclosed.

The absence of clear licensing information, meaningful website content, and transparent ownership/contacts is inconsistent with good practice for EU‑regulated payment institutions. For financial institutions, card schemes, and PSPs, this constellation justifies high‑risk classification, enhanced due diligence, and careful review of any direct or indirect exposure (including merchants that route card traffic through Pagorapido for adult or other high‑risk verticals). Onboarding or maintaining relationships without additional clarity on licensing, corporate status and true transactional flows would be difficult to justify under a risk‑based AML/CFT framework.

Summary table

Field | Data
Brand / trading name | Pagorapido / Pago Rapido
Main domain(s) | pagorapido.com
Key role in payment chain | Merchant of record / card gateway for RagazzeInVendita (RIV)
Legal entity (claimed/linked) | Pagorapido SA (Spain)
Registered jurisdiction | Las Palmas, Canary Islands, Spain (company sheet provisionally closed)
Group / ownership | Hydra Group (website footer); directors incl. Roberto Maggio, Cristian Orto, Vincenzo Orto, Vanessa Patitucci
Main business verticals | Adult webcam and content (RIV network); possibly other high‑risk online merchants
Claimed regulatory status | Markets itself as “certified” / PCI‑compliant; no public PI/EMI licence details disclosed
Known partners / platforms | RagazzeInVendita.com (RIV) and affiliated RIV Network sites
Key red flags | In‑house MoR for adult content; irregular registry status; façade‑like website; opaque licensing

Call to whistleblowers and affected customers

FinTelegram is collecting additional intelligence on Pagorapido, Hydra Group, and the wider RIV payment setup. Current and former employees, contractors, processors, banks, and merchants—as well as customers who paid via Pagorapido—are invited to share contracts, internal documents, payment confirmations, chargeback evidence, and technical details about the payment flows.

If you have relevant information, please file a report via our secure whistleblower platform Whistle42, where submissions can be made confidentially and, if desired, anonymously to support ongoing investigations.