Payzli
Payzli (United Payment Systems LLC) is a Tampa-based, ISO-registered payment processor and POS software provider serving SMB merchants across beauty/wellness, restaurants, CBD/hemp, and other verticals. It distributes through ISOs, ISVs, and referral partners, offering vertical-tuned POS, an online gateway, developer APIs, and transaction-based pricing.
- Company typePrivate
- Founded2020
- HeadquartersTampa, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Payzli does
Payzli (legal entity: United Payment Systems LLC) is a Tampa, Florida-based payment technology company and registered Independent Sales Organization (ISO) that provides merchant acquiring services, point-of-sale (POS) software, online payment gateways, and developer-facing payment APIs. Founded in 2020, the company targets small and mid-sized businesses with a particular concentration in beauty and wellness (nail salons, hair salons, tattoo parlors, spas), restaurants and bars, and high-risk verticals including CBD/hemp and — via the PayzliPlus joint venture — online betting. Its product suite comprises three core platforms: Payzli POS (vertical-tuned POS with appointment, inventory, and customer management), Payzli Connect (a merchant and partner dashboard for transaction management), and Payzli Transact (an online gateway for invoicing, recurring billing, and e-commerce acceptance), complemented by hardware (Clover POS terminals, countertop terminals, mobile card readers) and enabling technologies including NFC Tap-to-Phone and an Enablement Cloud with single-integration acceptance for cards, online, and contactless payments. A developer portal with REST APIs and SDKs in six languages supports ISV integration and self-serve onboarding.
The company's revenue model is transaction-based, offering Interchange-Plus (IC+) pricing for higher-volume merchants, flat-rate pricing for simplicity, and built-in surcharge / cash-discount programs that allow merchants to offset processing costs. Pricing starts as low as 0.50% + $0.10 per transaction with no setup fees and no long-term contracts. Payzli's go-to-market is partner-first, distributing through Independent Sales Organizations (ISOs), Independent Software Vendors (ISVs), referral partners, and a dedicated high-risk partner program, supplemented by direct sales for enterprise merchants and digital self-serve onboarding for smaller ones. The company holds ISO registrations with three sponsor banks (Esquire Bank, Commercial Bank of California, KeyBank) and is registered with Visa, Mastercard, Discover, and American Express (OptBlue). In January 2024, Esquire Financial Holdings acquired a 24.99% strategic stake through a $6 million investment, supporting platform development and merchant vertical expansion. As of the Inc. Regionals recognition in March 2026, Payzli ranked #96 among the fastest-growing private companies in the U.S. Southeast.
Payzli firmographics
Firmographics- Name
- Payzli
- Legal name
- United Payment Systems LLC
- Website
- https://payzli.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Payzli (United Payment Systems LLC) is a Tampa-based, ISO-registered payment processor and POS software provider serving SMB merchants across beauty/wellness, restaurants, CBD/hemp, and other verticals. It distributes through ISOs, ISVs, and referral partners, offering vertical-tuned POS, an online gateway, developer APIs, and transaction-based pricing.
- Ownership category
- akta.pro rank
Payzli industry classification
Industry- Product category
- Payment Processing Services
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
Keywords
Where Payzli is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Payzli business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Payment Processing Fees: Transaction-based fees charged per payment processed. Includes Merchant Discount Rate (percentage of transaction), Transaction Fee (per transaction), and Authorization Fee (per authorization). Different rates apply for Qualified, Mid-Qualified, and Non-Qualified Transactions.
- Interchange Plus (IC+) Pricing: Transparent pricing model based on actual card network costs, ideal for higher volume businesses
- Flat Rate Pricing: Simple, predictable pricing per transaction, suitable for businesses preferring easy-to-understand rates without complex tier calculations
- Surcharge and Cash Discount Programs: Built-in zero-fee programs that help offset processing costs by allowing merchants to apply surcharges or offer cash discounts
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Interchange Plus (IC+) - Transparent pricing based on actual card network costs |
| Transaction based/ take rate | Monthly | Flat Rate Pricing - Simple predictable pricing per transaction |
| Transaction based/ take rate | Pay-as-you-go | Starting rates as low as 0.50% + $0.10 per transaction |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
Payzli product offering
Product offeringCore offering
Payzli provides payment processing services for merchants, including credit and debit card acceptance across in-store, mobile, and online channels. Its offering combines a proprietary POS platform (Payzli POS) tailored for verticals such as beauty, nail salons, tattoo parlors, and restaurants with an online payment gateway (Payzli Transact), hardware (terminals, mobile readers, Clover POS), and a developer API/SDK platform. The company sells through a partner-first model of ISOs, ISVs, and referral partners, with pricing available as Interchange Plus, flat-rate, and zero-fee cash discount or surcharge programs.
Product overview
Payzli is a payment technology company offering a comprehensive suite of payment processing solutions and business management software. The product portfolio consists of core payment platforms (Payzli POS, Payzli Connect, Payzli Transact) complemented by hardware products (Credit Card Terminals, Mobile Card Readers, Clover POS) and enabling technologies (Tap to Phone, Developer Platform). The company serves various business types including beauty and wellness, restaurants, CBD/hemp, and high-risk verticals, with pricing models including interchange-plus, flat-rate, and zero-fee cash discount programs. Payzli operates as an ISO (Independent Sales Organization) registered with multiple banks including Esquire Bank, Commercial Bank of California, and KeyBank.
Differentiator
Problem solved
Functional benefit
Brands
- PayzliPlus: Joint venture brand with Brant Point Solutions LLC for digital payment services targeting the online betting industry.
Products and services
- Payzli POS Point-of-sale system designed for beauty and wellness businesses including nail salons, tattoo parlors, hair salons, and spas, with bespoke business management software customized for vertical-specific workflows.
- Payzli Connect Merchant and partner dashboard providing centralized access to manage payments, track transactions, oversee business operations, and access operational tools via a centralized payment CRM.
- Payzli Transact Online payment gateway enabling online invoicing, recurring billing, and digital payment acceptance for e-commerce and online merchants.
- Credit Card Terminals Traditional countertop card terminals for in-store payment acceptance at merchant locations.
- Mobile Card Readers Portable card reading devices enabling merchants to accept, track, and manage payments on-the-go from any location.
- Clover POS Clover point-of-sale equipment and services offered by Payzli, including POS hardware, accessories, and security services for merchants.
- Developer Platform (Payzli REST APIs) REST API and developer resources including API reference, developer guides, sample code in multiple languages, sandbox testing environment, and SDKs in 6 popular languages for third-party integrations and embedded payments.
Quantifiable outcome
- 4.9 customer rating on Google reviews indicating high customer satisfaction
- +3 more outcomes
Companies that use Payzli
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles5 records
Payzli technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature8 records
Payzli partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Innovative Payment Solutions, Inc. (IPSI)coreIPSI officially launched a full spectrum of payment products and services leveraging partnerships with Payzli and TabaPay. The launch covers credit, debit, real-time bank-to-bank, and cryptocurrency payment rails, marking IPSI's transition from development to deployment.
- Brant Point Solutions LLC (PayzliPlus)coreJoint venture between IPSI and Brant Point Solutions LLC (doing business as PayzliPlus) to enhance digital payment services for the online betting industry. The partnership aims to offer an open-banking, real-time payment platform targeting the online gambling market.
- VisacorePayment card network partner enabling Payzli to process Visa transactions. The company is a registered ISO of Esquire Bank and other partner banks for Visa payment processing.
- MastercardcorePayment card network partner enabling Payzli to process Mastercard transactions. Listed as registered ISO partner.
- American ExpresscoreAmerican Express OptBlue program participant enabling Payzli merchants to accept American Express cards.
- DiscovercorePayment card network partner enabling Payzli to process Discover transactions.
- ClovercoreClover POS equipment and services partner. Payzli offers Clover POS as part of its product portfolio, with dedicated Clover equipment addendum in merchant agreements.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Payzli competitors and assessment
Company assessmentBroad incumbents
- Square (Block, Inc.): Square is a broad incumbent in SMB payment processing and POS, offering hardware, software, and online payments across all verticals Payzli targets. It is the primary horizontal competitor Payzli's vertical POS differentiates against.
- Stripe: Stripe is a broad incumbent in online payment processing and developer-first APIs — directly comparable to Payzli Transact and Payzli's developer portal. It competes for the same ISV integrations.
- Heartland Payment Systems (Global Payments): Heartland, part of Global Payments, is a broad incumbent SMB payment processor and ISO sponsor — comparable in business model and bank-sponsored ISO structure, though at much larger scale.
- PayPal: PayPal is a broad incumbent in online and in-store payments, and Payzli explicitly supports PayPal In-Store Checkout. PayPal competes across Payzli's online gateway and omnichannel acceptance.
Direct peers
- Clover (Fiserv): Clover is Payzli's POS hardware partner but also a direct competitor — both sell Clover-branded POS equipment and merchant processing. Clover's app marketplace and restaurant vertical directly overlap with Payzli POS.
- Stax Payments (formerly Fattmerchant): Stax is a direct peer as a subscription-based payment processor targeting SMBs with transparent interchange-plus pricing — the same model Payzli promotes with IC+ pricing and no hidden fees.
- Payment Depot: Payment Depot is a direct peer offering interchange-plus pricing to SMB merchants through ISO and partner channels, closely matching Payzli's transparent pricing and agent-driven distribution.
- National Processing: National Processing is a direct peer as an SMB-focused ISO offering payment processing, POS, and high-risk merchant services — overlapping with Payzli's full product suite including CBD/hemp vertical.
- Host Merchant Services: Host Merchant Services is a direct peer as an ISO-style SMB payment processor with transparent interchange-plus pricing, online gateway, and partner/agent channels closely aligned to Payzli's model.
Emerging players
- Toast, Inc. Toast is an emerging restaurant-specialized POS and payments platform that competes with Payzli POS in the restaurants and bars vertical with integrated hardware, software, and processing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Payzli social profiles
Digital presencePayzli financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payzli leadership team
Management profileNumber of profiles
Profiles2 records
Payzli funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payzli 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 Payzli
What does Payzli do?
Payzli provides payment processing services for merchants, including credit and debit card acceptance across in-store, mobile, and online channels. Its offering combines a proprietary POS platform (Payzli POS) tailored for verticals such as beauty, nail salons, tattoo parlors, and restaurants with an online payment gateway (Payzli Transact), hardware (terminals, mobile readers, Clover POS), and a developer API/SDK platform. The company sells through a partner-first model of ISOs, ISVs, and referral partners, with pricing available as Interchange Plus, flat-rate, and zero-fee cash discount or surcharge programs.
Is Payzli a public or private company?
Payzli is a private company. It is classified as corporate owned and is currently operating.
When was Payzli founded?
Payzli was founded in 2020. It employs 51 to 100 people.
Where is Payzli based?
Payzli is headquartered in Tampa, United States, in the North America region.
How does Payzli make money?
Four revenue lines are on record. Payment Processing Fees are the primary driver. The others are interchange Plus (IC+) Pricing, flat Rate Pricing and surcharge and Cash Discount Programs.
Who are Payzli's main competitors?
Broad incumbents on record are Square (Block, Inc.), Stripe, Heartland Payment Systems (Global Payments) and PayPal. Direct peers are Clover (Fiserv), Stax Payments (formerly Fattmerchant), Payment Depot, National Processing and Host Merchant Services. Toast, Inc. is listed as an emerging player.
Does Payzli have an API?
Yes. Payzli offers a REST API through its Developer Portal (developer.payzli.com). The API enables developers to send test transactions, access API field descriptions, and interact with a sandbox environment. Documentation includes API reference, developer guides, sample code, and response/error codes. Client SDKs are published on GitHub in 6 popular languages. The developer center provides a sandbox sign-up process and merchant portal access. Developer documentation is at developer.payzli.com.
What industry is Payzli in?
Payzli's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management).