Payabli
Payabli (Centavo, Inc.) is a Miami-based API-first payments infrastructure platform that lets software companies embed and monetize payment acceptance, payables, and payment operations via Pay In, Pay Out, Pay Ops, and a no-code Creator tool.
- Company typePrivate
- Founded2020
- HeadquartersMiami, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Payabli does
Payabli is a Miami-headquartered (legal entity Centavo, Inc.) payments infrastructure platform that enables software companies to embed and monetize payment functionality inside their own products. The platform is organized around three core modules — Pay In (payment acceptance spanning online, in-person, wallets, ACH, invoicing, pay links, L2/L3 processing, and merchant onboarding), Pay Out (managed payables, on-demand and instant payouts, vendor portals, and spend management), and Pay Ops (boarding, KYC/KYB, risk and underwriting, pricing and billing, reporting, and reserve management) — delivered through Direct APIs, Embeddable Components, and a no-code Creator tool, with tokenization, Card Account Updater, OCR, webhooks, and Query APIs as cross-cutting capabilities.
Payabli monetizes through a blended revenue model combining transaction processing fees (interchange, discount rate, ACH and card fees collected via sponsor banks PNC Bank and Merrick Bank), recurring SaaS/platform fees from ISV and partner customers, revenue share on payment volume processed through embedded experiences, and value-added managed services such as interchange optimization and residual reviews. Bank sponsorship as a registered Payment Facilitator of PNC Bank and registered ISO/MSP of Merrick Bank, combined with PCI DSS Level 1 service provider status, anchors the regulatory and compliance posture. Distribution is hybrid: direct enterprise sales (demo-led), self-serve developer/API, and bank/partner channels including the Huntington National Bank online banking portal and the Visa Intelligent Commerce Connect pilot for AI-agent-initiated payments.
The company has raised approximately $68M+ across seed, seed extension, Series A, and Series B rounds from QED Investors, Fika Ventures, Bling Capital, and TTV Capital, reporting 340%+ year-over-year revenue growth in 2024, sevenfold revenue growth in 2025, and inclusion on the 2024 Inc. 5000 (#223) and 2026 Forbes Fintech 50. Headcount remains in the 11-50 band, and customer logos span vertical SaaS (Builder Prime, Smartwebs, Sunbound, ExactEstate) and financial institutions (Huntington National Bank).
Payabli firmographics
Firmographics- Name
- Payabli
- Legal name
- Centavo, Inc.
- Website
- https://payabli.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Payabli (Centavo, Inc.) is a Miami-based API-first payments infrastructure platform that lets software companies embed and monetize payment acceptance, payables, and payment operations via Pay In, Pay Out, Pay Ops, and a no-code Creator tool.
- Ownership category
- akta.pro rank
Payabli industry classification
Industry- Product category
- Embedded Payments Infrastructure
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Payabli is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Payabli business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction Processing Fees: Core revenue from payment processing — interchange, discount rate, ACH and card transaction fees — collected from merchants via sponsor/partner banks (PNC Bank, Merrick Bank).
- Software Platform / SaaS Fees: Recurring platform fees from software companies (ISVs/SaaS) and partners for access to Pay In, Pay Out, Pay Ops, Creator, embeddable components, boarding, risk and reporting tools.
- Payments Revenue Share: Revenue share on payment volume processed through embedded payment experiences — the platform enables software companies to monetize payments as a revenue stream.
- Value-Added / Managed Services: Strategic advisory, white-glove integration support, interchange optimization, residual reviews, and pricing guidance billed as add-on services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Custom pricing via Fee Schedule / Quote-based |
| Transaction based/ take rate | — | Transaction-based / Interchange-plus pricing |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Payabli product offering
Product offeringCore offering
Payabli provides an API-first embedded payments infrastructure platform that lets software companies accept payments (Pay In), issue payouts to vendors and partners (Pay Out), and run merchant boarding, risk, underwriting, billing, and reporting (Pay Ops). The platform is delivered through Direct APIs, low-code Embeddable Components, and a no-code Creator tool, with cross-product tokenization, Card Account Updater, OCR, and AI-driven fraud detection, operated as a Payment Facilitator of PNC Bank and ISO/MSP of Merrick Bank.
Product overview
Payabli is a unified embedded payments infrastructure platform for software companies, organized around a "three Ps" architecture of three core product modules — Pay In (payment acceptance and merchant onboarding), Pay Out (payables, payouts, and vendor management), and Pay Ops (boarding, risk/underwriting, pricing, billing, reporting) — that software platforms can adopt individually or together via Direct APIs, Embeddable Components, or the no-code Creator tool. Cross-product capabilities such as Tokenization/Card Account Updater and OCR extend the platform, while AI-driven features (e.g., fraud detection models) and integrations with Visa's Intelligent Commerce Connect layer AI-agent payment acceptance on top of the same core rails.
Differentiator
Problem solved
Functional benefit
Products and services
- Pay In Pay In is Payabli's payment-acceptance module that lets software platforms facilitate and monetize payment acceptance from customers, supporting online and in-person card payments, Apple Pay and Google Pay wallets, bill pay, lockbox, RDC, invoicing, and pay links, with merchant onboarding. It is aimed at SaaS companies, financial institutions, tech-enabled services, and enterprise merchants embedding payments.
- Pay Out Pay Out is Payabli's payables module that lets platforms issue payments to suppliers, vendors, and partners, offering managed payables, on-demand payouts, instant payouts, spend management, ghost cards, Positive Pay, vendor enrichment, and a vendor portal. It targets software platforms that want to monetize embedded payables experiences for their merchants.
- Pay Ops Pay Ops is Payabli's payment-operations module covering merchant boarding, KYC/KYB, risk and underwriting, pricing and billing, reporting, webhooks, PCI compliance tooling, and reserve management. It enables platforms to onboard merchants and run payment operations at scale with a unified, compliant back office.
- Creator Creator is Payabli's no-code/low-code tool that allows platforms to embed powerful payments features and monetize payments without writing code. It targets software teams that want to launch payments without heavy engineering investment and complements Payabli's Direct APIs and Embeddable Components integration options.
Quantifiable outcome
- 1,000% increase in payment volume at Builder Prime
- +4 more outcomes
Companies that use Payabli
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Payabli technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability7 records
Feature7 records
Payabli partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered major, core and minor.
- Amazon Web Services (AWS)majorListed as a pilot partner alongside Payabli for Visa's Intelligent Commerce Connect platform enabling AI-agent-led commerce.
- VisacorePayabli is a pilot partner for Visa's Intelligent Commerce Connect platform (launched April 8, 2026), which enables AI agents to discover, select, and complete purchases. Payabli supports payment initiation, tokenization, authentication, and spend controls across multiple agent protocols.
- HighnotemajorCo-pilot partner with Payabli on Visa's Intelligent Commerce Connect for AI-agent payments.
- MeshmajorCo-pilot partner with Payabli on Visa's Intelligent Commerce Connect for AI-agent payments.
- AldarmajorCo-pilot partner with Payabli on Visa's Intelligent Commerce Connect for AI-agent payments.
- DiddomajorCo-pilot partner with Payabli on Visa's Intelligent Commerce Connect for AI-agent payments.
- SumvinmajorCo-pilot partner with Payabli on Visa's Intelligent Commerce Connect for AI-agent payments.
- The Huntington National BankcorePayabli and Huntington National Bank partnered (announced February 17, 2026) to integrate fully embedded payment capabilities into Huntington's online banking portal, enabling B2B customers to accept payments, manage disbursements, and automate payables/receivables within the bank's digital ecosystem.
- SmartwebsmajorCommunity management software provider Smartwebs partnered with Payabli to power Payment Distribution and expand Accounts Payable capabilities for its clients, integrating Payabli's payment infrastructure into the Smartwebs platform.
- ExactEstateminorExactEstate and Payabli inked a payments partnership in November 2024 to deliver embedded payments within ExactEstate's real estate technology platform.
Scale indicators9 records
Recent moves6 records
Expansion highlights7 records
Payabli competitors and assessment
Company assessmentDirect peers
- Stax: Stax (formerly Fattmerchant) provides embedded payments and PayFac-as-a-Service solutions targeted at SaaS and ISV partners — directly competitive with Payabli's vertical SaaS focus and payment facilitator model.
- Spreedly: Spreedly provides payment orchestration and tokenization infrastructure that lets platforms route transactions across multiple gateways — directly comparable to parts of Payabli's Pay Ops and tokenization layer for software companies needing payment flexibility.
- Stripe: Stripe Connect is the leading embedded payments infrastructure for SaaS and platforms, offering API-based acceptance, payouts, and revenue share — directly competitive with Payabli's Pay In/Pay Out/Pay Ops platform for the same ISV ICP.
- Finix: Finix provides payments infrastructure-as-a-service and PayFac-as-a-Service for software companies, enabling them to embed and monetize payments — directly overlapping Payabli's core offering for SaaS partners.
- Highnote: Highnote offers a unified embedded payments platform combining card issuing, payment acceptance, and ledger infrastructure for software platforms — directly comparable to Payabli's Pay In/Pay Out/Pay Ops architecture and Visa Intelligent Commerce Connect co-pilot.
Broad incumbents
- Braintree: Braintree (a PayPal company) provides embedded payment acceptance and merchant services for marketplaces and SaaS platforms — broad incumbent with overlapping acceptance, vaulting, and platform features comparable to Payabli's Pay In module.
- Checkout.com: Checkout.com provides global payment processing and embedded finance solutions for platforms and large merchants — a broad incumbent with overlapping acceptance and platform capabilities, competing for enterprise SaaS and marketplace deals.
- Adyen: Adyen for Platforms provides embedded payment processing for large enterprises and SaaS platforms with global reach — a broad incumbent offering overlapping functionality with Payabli's acceptance, payouts, and platform operations.
Emerging players
- Tilled: Tilled provides PayFac-as-a-Service for software platforms seeking to monetize payment processing — a focused emerging player competing in the same embedded payments-for-SaaS category as Payabli.
- Modern Treasury: Modern Treasury provides payment operations infrastructure (money movement, ledgering, reconciliation) for software platforms — overlapping with Payabli's Pay Out and Pay Ops capabilities, particularly for platforms building payment operations tooling.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Payabli social profiles
Digital presencePayabli compliance and trust
Trust signalCompliance7 records
Payabli financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payabli leadership team
Management profileNumber of profiles
Profiles5 records
Payabli funding detail
Funding detailFunding overview
Funding rounds5 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payabli M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payabli
What does Payabli do?
Payabli provides an API-first embedded payments infrastructure platform that lets software companies accept payments (Pay In), issue payouts to vendors and partners (Pay Out), and run merchant boarding, risk, underwriting, billing, and reporting (Pay Ops). The platform is delivered through Direct APIs, low-code Embeddable Components, and a no-code Creator tool, with cross-product tokenization, Card Account Updater, OCR, and AI-driven fraud detection, operated as a Payment Facilitator of PNC Bank and ISO/MSP of Merrick Bank.
Is Payabli a public or private company?
Payabli is a private company. It is classified as venture growth investor backed and is currently operating.
When was Payabli founded?
Payabli was founded in 2020. It employs 101 to 250 people.
Where is Payabli based?
Payabli is headquartered in Miami, United States, in the North America region.
How does Payabli make money?
Four revenue lines are on record. Transaction Processing Fees are the primary driver. The others are software Platform / SaaS Fees, payments Revenue Share and value-Added / Managed Services.
Who are Payabli's main competitors?
Direct peers on record are Stax, Spreedly, Stripe, Finix and Highnote. Broad incumbents are Braintree, Checkout.com and Adyen. Emerging players are Tilled and Modern Treasury.
Does Payabli have an API?
Yes. Payabli offers a public REST-style API for embedded payments, with documentation covering authentication, environments, rate limits, and best practices. Developers can build omnichannel payment experiences using Direct APIs, Query APIs (to capture streams of transaction data), and Webhooks (near real-time event notifications). The developer portal also provides server SDKs, example applications, an official Postman collection, and a Query CLI tool. AI-agent-friendly documentation is exposed via /llms.txt and .md page-level endpoints. Developer documentation is at docs.payabli.com/home.
What industry is Payabli in?
Payabli's product category is Embedded Payments Infrastructure. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its SIC code is 7372.