Severe Under-Resourcing and Low Capital for Global MoR Operations (critical) Dodo Payments, which operates as a global Merchant of Record (MoR) handling payments, tax compliance, and regulations across 220+ countries/territories, is severely under-resourced. The company was founded in 2024, has only 8 total employees, and has raised a total of $1.1 million in a Seed round (Feb 25, 2025). This minimal staffing and funding level presents a critical risk regarding regulatory compliance, fraud management, and operational stability required for a global financial services provider.. Low Public Trust Score and Legitimacy Concerns (high) The company exhibits a low public trust rating, which is a significant concern for a financial platform. Scamdoc reports an 'Average Trust Score: 60%' as of September 28, 2025. Furthermore, multiple search results explicitly question the company's legitimacy (e.g., 'Is dodopayments.com legit or a scam?'), indicating a negative or uncertain public perception.. Extended Merchant Fund Hold Policy (120 Days) (medium) Dodo Payments maintains a lengthy fund hold policy for merchants. The company states that a '120-day hold follows industry standards to cover [platform integrity]' if a business falls outside their policies. While framed as standard, a 120-day hold is significantly longer than typical industry reserve periods (often 30-90 days), posing a substantial liquidity risk to their merchants and suggesting Dodo Payments may be managing a high-risk merchant portfolio or mitigating significant internal chargeback exposure.