Infinicept
Infinicept is a Denver-based payment operations platform founded in 2011 that enables software companies to embed and own payment facilitator capabilities through its Launchpay and PayOps Platform products, serving 250+ vertical SaaS, fintech, banking, and ISO customers across 30 countries.
- Company typePrivate
- Founded2011
- HeadquartersDenver, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Infinicept does
Infinicept is a Denver-based payment operations (PayOps) platform founded in 2011 by payments industry veterans Todd Ablowitz and Deana Rich. The company provides an open, agnostic infrastructure that enables software companies to integrate payment acceptance, merchant underwriting, onboarding, and back-office payment facilitator operations without building those capabilities from scratch. Its core product portfolio consists of two tiers — Launchpay, an entry-level embedded payments solution for companies starting their payments journey, and PayOps Platform, a full payment facilitator suite with complete ownership and control — supplemented by modular add-ons including Underwriting On Demand (instant automated merchant underwriting with a proprietary automated social scoring capability), the Underwriting & Onboarding Platform with KYC automation, the Merchant Management Platform (back-office), and Infiniport for bring-your-own-processor flexibility. The company also offers expert advisory services including risk fitness reviews, vendor selection, and managed services led by co-founders who co-authored the ETA's payment facilitator best practices guidelines.
The platform integrates with a broad partner ecosystem spanning payment processors (FIS, FISERV, Adyen, Payroc, RS2, ProPay, NCR), card networks (Mastercard, Discover), sponsor banks (Merrick Bank), gateways (NMI, BridgePay, Datacap, Handpoint), tokenization/security providers (Very Good Security, TokenEx), and identity/fraud services (LexisNexis). Infinicept serves four primary segments: vertical SaaS companies seeking embedded payments, payment facilitators needing to streamline operations, banks/acquirers/sponsors supporting PayFac programs, and ISOs transitioning from traditional models. Named customers span healthcare SaaS (Patientco, Modernizing Medicine, SwervePay), restaurant technology (ParTech), field service software (Workwave), loyalty platforms (FiveStars), tax preparation software (Drake Software), and class management (iClassPro).
Infinicept generates revenue through a combination of subscription/contract-based platform fees for the Launchpay and PayOps Platform offerings, transaction-based revenue tied to client payment volume (clients' 2023 annualized gross payment volume exceeded $15 billion), and professional services revenue from expert advisory engagements. The company employs a hybrid go-to-market combining direct enterprise sales, a four-tier Premium Partner Network (Referral, Preferred Hub, Power Hub, Elite Hub), and a flagship strategic partnership with Mastercard that originated through the Mastercard Start Path accelerator. As of 2023, Infinicept reported 250+ software, banking, and fintech customers across 25-30 countries, with the company appearing on the Inc. 5000 list for four consecutive years through 2023. Total disclosed equity funding stands at $23 million, with a $23 million growth equity round led by SVB Financial Group and Piper Sandler Merchant Banking in May 2022.
Infinicept firmographics
Firmographics- Name
- Infinicept
- Legal name
- The Info Source
- Website
- https://infinicept.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Infinicept is a Denver-based payment operations platform founded in 2011 that enables software companies to embed and own payment facilitator capabilities through its Launchpay and PayOps Platform products, serving 250+ vertical SaaS, fintech, banking, and ISO customers across 30 countries.
- Ownership category
- akta.pro rank
Infinicept industry classification
Industry- Product category
- Embedded Payments Infrastructure
- NAICS
- Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Infinicept is headquartered
LocationHeadquarters
- HQ city
- Denver
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Infinicept business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform/SaaS Subscription: Infinicept provides a payments technology platform that software companies use to offer payment facilitation services. The platform is offered as a subscription-based or contractual service with various tiers depending on the modules selected (Underwriting On Demand, Merchant Management, etc.).
- Transaction/Venture Fees: As payment facilitators process transactions through Infinicept's platform, the company earns revenue proportional to payment volume processed. Infinicept reports clients' 2023 annualized gross payment volume tops $15B, indicating substantial transaction-based revenue.
- Expert Advisory and Professional Services: Infinicept provides expert advisory services including partner selection, go-to-market strategy, policies and procedures development, ecosystem design, risk fitness reviews, Visa Acceptance Risk Standards reviews, vendor selection, managed services, and support through processor approval. These consulting services generate professional services revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Launchpay - Entry-level embedded payments solution for companies starting their payments journey |
| Subscription | Multi-year contract | PayOps Platform - Full payment facilitator platform for complete ownership and control |
| Professional services/ project-based | Multi-year contract | Expert Advisory Services - Consulting services for payment facilitator strategy, implementation, and compliance |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Infinicept product offering
Product offeringCore offering
Infinicept provides a Payment Operations (PayOps) platform that enables software companies to embed payment acceptance, underwriting, merchant onboarding, and back-office operations into their own offerings. The core product suite consists of Launchpay (an entry-level solution to start payment processing in weeks) and the PayOps Platform (a full payment facilitator graduation path with complete ownership of the payments program), supported by modular components including Underwriting On Demand, Merchant Management, and Infiniport (bring-your-own-processor).
Product overview
Infinicept is an embedded payments infrastructure platform offering a comprehensive portfolio of solutions for software companies becoming payment facilitators. The core offering consists of two main products: Launchpay (entry-level solution for getting payments running in weeks) and PayOps Platform (full payment facilitator platform for complete ownership and control). These are supplemented by modular add-ons including Underwriting On Demand (instant automated merchant underwriting with configurable triggers), Underwriting & Onboarding Platform (KYC automation and compliance management), Merchant Management Platform (back-office dashboard), and Infiniport (bring-your-own-processor flexibility). Advisory services include Expert Advisory Services, Risk Fitness Review, and Managed Services. The platform is designed with an agnostic, open architecture allowing integration with any sponsor, processor, gateway, and CRM.
Differentiator
Problem solved
Functional benefit
Brands
- Launchpay: Payment processing solution that gets payment processing up and running in weeks with full visibility into merchants' payments experience.
- PayOps Platform
- Underwriting On Demand
- Infiniport
Products and services
- Launchpay Entry-level embedded payments solution that allows software companies to launch payment processing in weeks with full visibility into merchants' payments experience, designed for companies starting their embedded payments journey before graduating to a full PayFac model.
- PayOps Platform Full payment facilitator platform providing complete ownership and control of the payments program, enabling software companies to earn more payments revenue and graduate seamlessly from Launchpay. Includes underwriting, onboarding, boarding, and back-office modules.
- Underwriting On Demand Instant automated merchant underwriting functionality with configurable underwriting triggers, APIs, web hooks, and dashboards. Pre-configured with 75+ years of payment industry underwriting expertise, available as API/webhook integration or standalone dashboard.
- Infiniport Bring-your-own-processor capability for embedded payments that allows software companies to choose and integrate their preferred payment processor while leveraging Infinicept's PayOps platform.
- Underwriting & Onboarding Platform Platform that owns the merchant onboarding process with industry-tailored experience. Features automated KYC process, compliance management, and comprehensive underwriting dashboards.
- Merchant Management Platform All-in-one back-office dashboard for managing merchant servicing, including Funding Center, Reporting, Chargeback Management, Merchant Portal, Customer Service, and Maintenance capabilities.
- Expert Advisory Services Comprehensive payment facilitator advisory services including partner selection, go-to-market strategy, policies and procedures development, ecosystem design, vendor selection, and support through processor approval. Provided by authors of the ETA's payment facilitator guidelines.
- Risk Fitness Review Comprehensive risk mitigation service that identifies at-risk merchants, reviews underwriting procedures, identifies risk monitoring gaps, and provides customized transaction monitoring policies and procedures.
- Managed Services Ongoing expert oversight and support services for payment facilitators including strategic planning analysis and customer support for running payment operations.
- Payment Facilitator Opportunity Assessment Assessment service evaluating and determining payment facilitator readiness and opportunity for software companies considering embedded payments adoption.
Quantifiable outcome
- 800% year-over-year increase in platform payment volume (2020-2021)
- +4 more outcomes
Companies that use Infinicept
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
Infinicept technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration31 records
AI capability2 records
Feature8 records
Infinicept partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, minor and flagship.
- Strategic Advisors (Eula Adams, Lisa Bowman, Sameer Govil, Russ Jones)coreInfinicept brought on strategic advisors including Eula Adams (former First Data/Sun Microsystems executive), Lisa Bowman (former CMO of United Way Worldwide), Sameer Govil (former Visa executive), and Russ Jones (former CFO at Shopify who helped make Shopify a payment facilitator). Together they bring over 120 years of combined experience in business, finance, marketing, and sales leadership.
- NMI (Network Merchants, LLC)coreNMI and Infinicept announced an integration relationship in May 2017, allowing Infinicept's advanced underwriting and frictionless boarding modules to integrate with NMI's industry-leading Facilitator Enablement (FACe) platform. The combination creates an end-to-end boarding, underwriting, and processing framework for payment facilitators.
- DatacapcoreInfinicept and Datacap joined forces to provide software companies with a complete embedded payments solution. Datacap's 40-year-old gateway technology integrates with Infinicept's platform to enable turnkey payment facilitation for ISVs and software companies. The partnership combines Datacap's processor-agnostic gateway with Infinicept's underwriting and boarding capabilities.
- DwollacoreInfinicept and Dwolla partnered to complement each other's core payment offerings. The partnership adds sophisticated account-to-account payments to Infinicept's toolbox while Dwolla adds a payment operations provider to its partner ecosystem. Both companies are neutral providers supplying maximum flexibility to software companies.
- Parachute AdvisoryminorInfinicept partnered with Parachute Advisory to amplify the success of embedded payments for software companies. Parachute Advisory is a consulting firm helping companies navigate embedded payments adoption.
- Payment VisorminorInfinicept partnered with Payment Visor, a payments consulting firm, to help drive adoption of embedded payments solutions.
- Drake SoftwareminorDrake Software uses Infinicept's Launchpay program to launch Drake Pay, an embedded payments solution for tax preparation software customers.
- FIS (Worldpay)coreFIS (Worldpay) is a payment processor partner in Infinicept's Premium Partner Network, enabling software companies to integrate with FIS's acquiring services through Infinicept's platform.
- FISERVcoreFISERV is a payment processor partner in Infinicept's Premium Partner Network.
- AdyencoreAdyen is a payment processor partner in Infinicept's Premium Partner Network, enabling integration with Adyen's global payment platform.
- MastercardflagshipMastercard is a card network partner in Infinicept's Premium Partner Network, working with Infinicept on the Payment Facilitator Accelerator program and as a global strategic partner.
- NMI (Ipsidy)coreNMI (Network Merchants, LLC) is a gateway partner in Infinicept's Premium Partner Network.
- AZ Payments GroupminorAZ Payments Group is a services and expertise partner in Infinicept's Premium Partner Network, having conducted the research for Infinicept's Payment Facilitator Global Opportunity Analysis and Industry Forecast report.
- Arnall Golden GregoryminorArnall Golden Gregory is a legal and consulting services partner in Infinicept's Premium Partner Network.
- VenableminorVenable is a legal and advisory services partner in Infinicept's Premium Partner Network.
- LendflowminorLendflow is a financial services partner in Infinicept's Premium Partner Network.
Scale indicators10 records
Recent moves8 records
Expansion highlights6 records
Infinicept competitors and assessment
Company assessmentDirect peers
- Finix: Finix is a payment infrastructure provider that enables software companies to accept payments, monetize transactions, and manage sub-merchant operations. Direct competitor to Infinicept in the PayFac enablement space, targeting vertical SaaS and marketplaces with a similar end-to-end platform and underwrite-on-demand functionality.
- Payrix (Worldpay): Payrix provides embedded payment facilitation technology for SaaS platforms, marketplaces, and ISVs, including sub-merchant onboarding, underwriting, and risk management. Now owned by Worldpay/FISERV, it is a direct competitor in the PayFac enablement space, particularly for software companies seeking integrated processor-plus-platform solutions.
- Spreedly: Spreedly provides payment orchestration and infrastructure for software platforms, enabling routing across multiple gateways and PSPs, vaulting, and merchant management. Comparable to Infinicept's Infiniport (bring-your-own-processor) and Merchant Management Platform functionality, targeting software companies needing agnostic payment infrastructure.
- Network Merchants Inc. (NMI): NMI provides payment facilitator enablement (FACe) technology including underwriting, boarding, and back-office tools for ISVs and payment facilitators. A direct infrastructure partner of Infinicept whose FACe platform competes for similar gateway-and-enablement workloads, particularly for ISVs seeking integrated facilitator capabilities.
Broad incumbents
- Stripe Connect: Stripe's embedded payments platform enables marketplaces, SaaS platforms, and platforms to onboard and manage connected accounts and accept payments at scale. A scaled incumbent with global reach that competes head-on with Infinicept's Launchpay and PayOps offerings, particularly for software companies that prioritize developer experience and processing economics.
- Adyen for Platforms: Adyen's for Platforms offering provides embedded payments infrastructure for marketplaces and platform businesses, including onboarding, underwriting, and global processing. A globally scaled incumbent that competes with Infinicept in the PayFac enablement space, particularly for enterprise software platforms needing international coverage.
- Checkout.com (Frames): Checkout.com provides embedded payments infrastructure for platforms and marketplaces, including onboarding, risk management, and global processing. A scaled global processor increasingly competing in the embedded PayFac enablement space where Infinicept operates.
Emerging players
- Highnote: Highnote is an embedded payments platform enabling software companies to build, manage, and scale card programs and payments experiences. An emerging player with partial overlap to Infinicept's embedded payments thesis, particularly for software companies building card-issuing or stored-value payment products.
- Unit: Unit is an embedded finance platform that provides banking-as-a-service infrastructure including accounts, cards, lending, and payments for software companies. An emerging player in the broader embedded finance category that competes for the same software-company buyer as Infinicept, although with a different product focus on accounts and cards.
- Modo: Modo provides payment orchestration technology that connects software platforms to multiple payment capabilities and providers. Listed as a partner in Infinicept's Premium Partner Network, with overlapping functionality in payment flexibility and orchestration for software companies.
Market position
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Infinicept social profiles
Digital presenceInfinicept financial estimates
Financial estimateRevenue estimate
Valuation estimate
Infinicept leadership team
Management profileNumber of profiles
Profiles11 records
Infinicept funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Infinicept 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 Infinicept
What does Infinicept do?
Infinicept provides a Payment Operations (PayOps) platform that enables software companies to embed payment acceptance, underwriting, merchant onboarding, and back-office operations into their own offerings. The core product suite consists of Launchpay (an entry-level solution to start payment processing in weeks) and the PayOps Platform (a full payment facilitator graduation path with complete ownership of the payments program), supported by modular components including Underwriting On Demand, Merchant Management, and Infiniport (bring-your-own-processor).
Is Infinicept a public or private company?
Infinicept is a private company. It is classified as venture growth investor backed and is currently operating.
When was Infinicept founded?
Infinicept was founded in 2011. It employs 101 to 250 people.
Where is Infinicept based?
Infinicept is headquartered in Denver, United States, in the North America region.
How does Infinicept make money?
Three revenue lines are on record. Platform/SaaS Subscription is the primary driver. The others are transaction/Venture Fees and expert Advisory and Professional Services.
Who are Infinicept's main competitors?
Direct peers on record are Finix, Payrix (Worldpay), Spreedly and Network Merchants Inc. (NMI). Broad incumbents are Stripe Connect, Adyen for Platforms and Checkout.com (Frames). Emerging players are Highnote, Unit and Modo.
Does Infinicept have an API?
Yes. Underwriting On Demand API - Full set of APIs and web hooks available for organizations requiring instant automated merchant underwriting. Any organization that underwrites merchants can leverage these APIs to integrate the underwriting functionality directly into their own solution. Supported by easy-to-use all-inclusive dashboard and intuitive manual review dashboard. Documentation available at Developer Portal. Developer documentation is at www.infinicept.com/developer-portal.
What industry is Infinicept in?
Infinicept'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 FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 5223 and its SIC code is 7372.