What Mozaic does

Mozaic (legal entity Mozaic Payments, Inc., domiciled in Illinois) is a payment platform purpose-built for the creator economy, automating the splitting, distribution, and tracking of revenue among collaborators on creative projects. Its core product is an AI-driven split-payouts engine that handles royalties, percentage splits, tiered payments, recoupables, and collaborative payouts, supplemented by global payouts across 200+ countries in 135+ currencies, mass payouts via CSV upload, tax and compliance automation, and a Chrome extension for in-browser split configuration. Distribution is multi-channel: a self-serve iOS mobile app and web product for individual creators, a direct enterprise sales motion with a "Book Demo" funnel, and a white-label API/SDK that lets digital distribution platforms and creator marketplaces embed Mozaic's payment infrastructure under their own brand. The platform claims to have processed over $1 billion in payments and integrates with creator platforms including YouTube, Spotify, TikTok, and Twitch.

The company monetizes through three streams: subscription/platform fees referenced in order-form-based Terms and Conditions, per-transaction processing fees on split and mass payouts (built on Stripe payment infrastructure), and white-label API licensing revenue from enterprise platform deployments. Pricing is not publicly disclosed, with the site offering "Book Demo" and "Join Waitlist" calls-to-action. Mozaic serves two primary customer segments — individual creators and SMBs (musicians, streamers, YouTubers, influencers managing multi-platform earnings) and enterprise clients (labels, agencies, media companies, digital distribution platforms paying creators at scale) — plus a secondary developer/platform segment using the API. The company was born out of collaboration platform Jammber, acquired TuneRegistry in 2019, raised a $20 million Series A led by Volition Capital in November 2023, and was recognized by Visa (LGBTQ+ Fintech Award) and selected for Google for Startups Accelerator: Black Founders in 2022. Headcount is in the 11-50 range, with offices in Nashville (HQ) and Chicago (engineering), and the company operates under GDPR-compliant privacy terms.

Name

Mozaic

Legal name

Mozaic Payments, Inc.

Website

https://mozaic.io

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Mozaic is a payment platform for the creator economy that automates revenue splitting, global payouts across 200+ countries, and tax compliance for individual creators, enterprises, and white-label platform integrations.

Ownership category

akta.pro rank

Product category

Creator Payments

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Finance Services (6199), Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Marketplace & Platform Payments (Split Payments, Sub-merchants) (FSAMACAG), Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• Creator payment platform
• Split payouts
• Global payment processing
• Royalty management software
• White-label payment API

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription / Platform Fees: Mozaic charges subscribers (digital distribution platforms and their artists/collaborators) fees for access to the Solution. The Terms of Conditions reference Fees set forth on Order Forms, suggesting a subscription or per-transaction fee model.
2. Transaction / Payment Processing Fees: The platform facilitates split royalty payments and mass payouts, earning a fee per transaction. The Terms reference payment processing services provided via Stripe infrastructure.
3. White-Label API / Enterprise Licensing: Enterprise platforms and digital distribution companies license Mozaic's white-label API to offer payment splitting under their own brand, generating recurring licensing revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Mozaic is a global AI-powered payment platform built for the creator economy that automates revenue splits, global payouts, and mass payments among creators and their collaborators. It enables individuals to track earnings across YouTube, Spotify, TikTok, and other creator platforms and pay collaborators, while offering businesses and platforms a whitelabel API to embed split-payout infrastructure under their own brand. The platform supports 200+ countries, 135+ currencies, and processes payments via Stripe-backed infrastructure with 99.99% historical uptime.

Product overview

Mozaic is a global creator payment platform offering a unified platform-plus-modules architecture. The core product is the Split Payouts engine, which uses AI-powered automation for royalties, percentage splits, tiered payments, and collaborative payouts. This core is complemented by Global Payouts (200+ countries, 135+ currencies), Mass Payouts (CSV-based bulk payments), and Send/Receive Payment functionality. Enterprise clients can access the Whitelabel API for branded integrations. Add-on modules include Tax and Compliance, Custom Data Integrations, Mass Onboarding, and three Data Insights tiers (Creators, Business, AI-driven). Additional products include the Chrome Extension for browser-based splits and platform-specific Connectors including YouTube. The iOS mobile app (Mozaic App 2.0) provides on-the-go earnings tracking. The platform processed over $1 billion in payments for creators and businesses across 200+ countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Split Payouts AI-powered automation of royalties, percentage splits, tiered payments, recoupables, and collaborative payouts across platforms and collaborators, targeted at creators and businesses that need to share revenue.
• Global Payouts Fast, localized payments to 200+ countries and territories in 135+ currencies with low FX fees and transparent cross-border pricing, for creators and businesses paying collaborators globally.
• Mass Payouts Bulk payment management allowing users to upload CSV files or other data formats to execute mass payments to many recipients in minutes, for enterprises and agencies paying large creator rosters.
• Send, Receive Payment Payment infrastructure enabling creators and businesses to send, receive, and track payments globally with support for cards, wallets, and bank transfers.
• Whitelabel API White-label payment integration solution with full API and SDK support enabling enterprise clients and digital distribution platforms to offer branded payment-splitting experiences without building infrastructure from scratch.
• Tax and Compliance Automated global tax compliance tools for managing cross-border creator and business payment tax obligations, including GDPR-compliant privacy posture and cross-border data transfer mechanisms.
• Mass Onboarding Streamlined onboarding and recipient management for businesses managing large numbers of creators or collaborators, supporting mass onboarding at enterprise scale.
• Chrome Extension Browser-based payout engine distributed via the Chrome Web Store that allows creators to split earnings and run split configurations in-browser across platforms with AI-powered automation running in the background.
• Mozaic App (iOS) Native iOS mobile application enabling creators to track all earnings in one place from various creator platforms and manage payouts on the go; Mozaic App 2.0 was released in 2025.

Quantifiable outcome

• 40+ hours saved each month for businesses using Mozaic for payment management
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature8 records

Partnerships

One partnership is on record.

• JammbercoreStrategic or Co-development PartnerMozaic was born out of collaboration platform Jammber, which originally aimed to help musicians get paid. Mozaic expanded on Jammber's original mission to empower the entire creator economy with seamless payment solutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tipalti: Tipalti is a mass-payout and global payables platform serving marketplaces, ad networks, and creator-economy platforms. It is the closest direct competitor to Mozaic's Mass Payouts + white-label API offering for businesses paying large numbers of payees worldwide.
• PayPal Hyperwallet: PayPal-owned Hyperwallet powers mass payouts to contractors, creators, and platform participants globally. It overlaps directly with Mozaic's enterprise payout infrastructure for labels, agencies, and creator platforms.
• Payoneer: Payoneer is a cross-border payments platform widely used by freelancers, creators, and marketplace sellers to receive global payouts. It competes for the same SMB/individual creator cohort Mozaic targets with its self-serve app.
• Trolley: Trolley provides mass-payout and royalty management software for marketplaces and creator platforms, including split-payment workflows. It is a direct peer in the platform-payouts infrastructure category.
• Deel: Deel is a global payroll and contractor-payout platform serving distributed workforces. It competes for enterprise customers who need to pay large numbers of creators/freelancers across borders, similar to Mozaic's Business segment.
• Veem: Veem provides global business-to-business payments with multi-currency support and integrations into accounting platforms. It overlaps with Mozaic's SMB and business cross-border payout capabilities.

Broad incumbents

• Stripe Connect: Stripe Connect is the incumbent marketplace and platform-payments infrastructure, including split payouts and destination charges. Mozaic is effectively a domain-specialized layer on top of (and partially competitive with) Stripe Connect for the creator economy.
• Wise (formerly TransferWise): Wise offers global multi-currency payouts at low FX cost and is frequently used by creators and platforms for international payments. It overlaps with Mozaic's Global Payouts in 135+ currencies feature set.

Emerging players

• Pleo: Pleo offers business payment cards and spend-management tools with payout workflows for SMBs. It is an emerging peer in the broader SMB payout and disbursement space Mozaic plays in.
• Songtrust: Songtrust administers music publishing rights and royalty collection for songwriters and rights holders. It sits adjacent to Mozaic on the music royalty workflow but is complementary rather than direct competition.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/jammbermusic
• Xx.com/mozaic_io

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds6 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mozaic