Netevia
Netevia is a Florida-based fintech providing integrated payment processing, banking-as-a-service, and embedded finance APIs to 40,000+ SMB merchants and a global network of ISOs, agents, and ISVs across eight bank-partner relationships.
- Company typePrivate
- Founded2012
- HeadquartersNorth Miami Beach, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingSoftware
What Netevia does
Netevia Group LLC is a U.S.-headquartered fintech, founded in 2012 and operating from Hollywood, Florida, that provides an integrated platform spanning online and in-person payment acceptance, business and personal banking services, embedded finance APIs, and merchant lending. The core technology stack combines a payment gateway, semi-integrated PIN pad APIs, an Instant Funding API, a Banking-as-a-Service suite, and a proprietary merchant/ISO management platform called Netevia HQ, supported by eight disclosed bank partners (including Sutton Bank, Wells Fargo, Esquire Bank, and Evolve Bank & Trust) that provide FDIC-insured deposits and card issuance. The company processes $15B+ in annual volume across 40,000+ merchants and documents 99.99% uptime across 200M+ API requests.
Netevia monetizes primarily through payment transaction fees, residual income on merchant account balances and card spend (paid to ISO/agent partners), subscription and interchange revenue from banking services, and lending income from Netevia Capital and the Netevia ISO Fund. Distribution is channel-led: ISOs, agents, and ISVs resell white-label solutions and embed Netevia APIs into their own software, with additional direct SMB sign-up via the website and mobile POS applications (Netevia POS GO, Netevia Card).
The company's 160+ employees serve SMBs across restaurants, retail, bakery, fish market, meat market, grocery, and non-profit verticals, alongside enterprise clients, with strategic emphasis on ISOs and ISVs as the primary growth vector. Recent strategic moves include a $120 million debt facility from WhiteHorse Capital (July 2024), a six-year expanded acquiring agreement with Highnote (October 2025), and a Mexico City office opening to anchor Latin American operations. The company is privately held by CEO Vlad Sadovskiy and COO of Netevia Pro Giovanni Di Febo, with no disclosed institutional venture rounds or public listing.
Netevia firmographics
Firmographics- Name
- Netevia
- Legal name
- Netevia Group LLC
- Website
- https://netevia.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Netevia is a Florida-based fintech providing integrated payment processing, banking-as-a-service, and embedded finance APIs to 40,000+ SMB merchants and a global network of ISOs, agents, and ISVs across eight bank-partner relationships.
- Ownership category
- akta.pro rank
Netevia industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221), Sales Financing (522220)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Payment Processing & Acquiring Infrastructure (FSAGABAC)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Payment Gateways & Orchestration (BPAMAFAA), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where Netevia is headquartered
LocationHeadquarters
- HQ city
- North Miami Beach
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Netevia business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Transaction Fees: Revenue generated from transaction fees on payment processing across online, in-person, and omnichannel payments. Partners earn residual income based on merchant transaction volumes.
- Banking Services: Revenue from business and personal banking services including debit card programs. Partners earn residual income on merchant account balances and card spend.
- ISO in a Box Program: Comprehensive ISO program generating revenue through merchant portfolio growth, including card spend residuals and account balance earnings.
- Netevia Capital: Business loans provided to merchants based on card sales, generating passive income for ISOs when merchants utilize financing.
- API and Developer Platform: Revenue from API access and integration services for developers and ISVs embedding payment and banking capabilities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Banking Services - No fees with rewards |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Netevia product offering
Product offeringCore offering
Netevia operates an integrated fintech platform that combines payment acceptance (online, in-person, and Tap to Pay on iPhone), Banking-as-a-Service APIs, embedded finance for ISVs, and merchant banking products. Distribution is driven primarily through a channel model of ISOs, agents, and ISVs, with white-label solutions, transparent residual reporting, and no-code plus customizable API integration paths for partners.
Product overview
Netevia operates as a unified fintech platform combining payments, banking-as-a-service, and embedded finance solutions. The core platform encompasses Online Payments and In-Person Payments for merchant payment acceptance, supplemented by Business Banking Services and Personal Banking Services for banking functionality. The ecosystem includes embedded finance APIs, ISO in a Box and ISO Banking Services for distribution partners (ISOs/agents), and supporting products like Netevia Capital (merchant lending), Netevia ISO Fund (ISO financing), Instant Funding API, Tap to Pay on iPhone, and Instant Gifting and Reward. Netevia HQ serves as the merchant management and ISO CRM platform, while the Netevia N Series and PIN Pad provide hardware options. The company processes over $15B in payment volume across 40,000+ merchants with 99.99% uptime.
Differentiator
Problem solved
Functional benefit
Brands
- Netevia Pro: A division of Netevia specializing in innovative financial solutions tailored to business needs with strategic focus on professional services and mobile banking solutions for agents and merchants.
Products and services
- Online Payments Comprehensive online payment acceptance solution enabling businesses to accept payments via pre-built checkout pages, API integration, or payment links without requiring a website.
- In-Person Payments Payment acceptance solution for all business types supporting all major payment types with transparent pricing, including POS systems, handheld terminals, and restaurant POS solutions.
- Business Banking Services Modern business banking solution offering 1% unlimited cash back on debit card purchases, 2% annual yield on checking balances, instant funding for merchants, and fee-free accounts with no junk fees.
- Personal Banking Services Personal banking program providing get-paid-early features, free instant transfers, and no-fee checking accounts with FDIC insurance through CFSB.
- Embedded Finance Banking-as-a-Service platform enabling ISVs and enterprises to embed financial services including payments, banking, and loans into their software platforms through APIs and SDKs.
- Embedded Banking Services Banking-as-a-Service API allowing partners to embed financial services including virtual accounts, card issuing, and lending into their products.
- ISO in a Box Comprehensive ISO program providing modern handheld terminals, gateways, APIs, BaaS platform, marketing tools, white-label solutions, and transparent reporting for ISOs and agents.
- ISO Banking Services Banking services program specifically designed for ISOs and agents to earn new residual income from merchant account balances, card spend, and welcome bonuses.
- PIN Pad Semi-integrated PIN pad hardware solution for secure in-person payment acceptance with API integration capabilities.
- Tap to Pay on iPhone Contactless payment acceptance feature using iPhone as a payment terminal through the Netevia POS GO app, supporting physical cards and digital wallets.
- Netevia HQ Comprehensive merchant management platform and ISO CRM providing residual calculations, sales tracking, customer support, and business analytics for payment and banking services.
- Instant Funding API API enabling instant access to sales funds for merchants combining Netevia Payments and Banking Services, eliminating the typical three-day waiting period.
- Netevia Capital Merchant lending solution providing pre-approved loans to business owners based on card sales, with automatic repayment through a percentage of daily card transactions.
- Netevia ISO Fund Residual-based financing program enabling ISOs to hire employees or purchase equipment without requiring upfront investment, based on portfolio residuals.
- Netevia N Series Handheld smart terminal line combining hardware and software for seamless in-person payment experiences across various industries.
- Netevia POS GO Mobile POS application supporting Tap to Pay on iPhone and payment acceptance on mobile devices for mobile merchants and delivery services.
- Instant Gifting and Reward Digital gift card processing enabling real-time issuance and payment of branded gift cards (Amazon, Starbucks, Uber, Lyft, Hotels.com, BestBuy) through the banking services app with instant savings.
- Netevia Pro Division focused on agents and merchants offering online banking services and professional financial services, formerly PaymentClub.
- BIN Sponsorship Program Program allowing qualified ISOs and ISVs unlimited growth with merchant portability, removing traditional barriers to entry in the payment industry.
Quantifiable outcome
- 40,000+ merchants served
- +5 more outcomes
Companies that use Netevia
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles6 records
Netevia technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature7 records
Netevia partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- HighnotecoreNetevia committed billions in acquiring volume to Highnote in an expanded 6-year agreement. Highnote is a unified platform for embedded finance named to Forbes Fintech 50 for second consecutive year, providing merchant acquiring capabilities.
- Sutton BankcoreBanking services partner providing FDIC-insured deposits for Netevia business banking services. Cards are issued by Sutton Bank, Member FDIC.
- CFSBcoreBanking partner for Netevia personal banking services, providing FDIC-insured deposits through CFSB, Member FDIC.
- Wells Fargo Bank, N.A.coreRegistered ISO of Wells Fargo Bank providing payment processing services. Multiple bank partners including Concord, CA location.
- Esquire BankcoreBank partner for merchant services, providing payment processing and card program support for Netevia merchants.
- Evolve Bank & TrustcoreBank partner for merchant services and card programs, with partnerships active before and after September 2025.
- FFB BankcoreBank partner for merchant services, providing payment processing capabilities for Netevia merchants.
- North American Banking CompanycoreBank partner for merchant services, with specific cardholder agreements and terms documented for merchants.
- Synovus BankcoreBank partner for merchant services with documented terms and conditions on Netevia legal pages.
- Netevia Pro (formerly PaymentClub)coreStrategic division of Netevia focused on professional financial services for agents and merchants. Rebranded from PaymentClub with focus on online banking services and professional financial solutions.
Scale indicators8 records
Recent moves8 records
Expansion highlights6 records
Netevia competitors and assessment
Company assessmentDirect peers
- Toast: Vertically-focused POS and payments platform for restaurants and SMBs; competes directly with Netevia's in-person, online, and banking offerings in the same SMB verticals and offers integrated software + payments.
- Block (Square): Dominant SMB payments and banking platform (Square, Cash App) serving merchants of all sizes with hardware, software, lending, and banking—directly overlapping Netevia's SMB processing, banking, and capital offerings.
- Clover (Fiserv): SMB POS and merchant acquiring platform owned by Fiserv; competes in the same ISO/reseller and SMB verticals and is integrated into Netevia's ecosystem via OrderOut/Clover relationships.
- Stripe: Global payments infrastructure and embedded finance platform with API-first developer tools and Stripe Issuing; competes with Netevia in online processing, embedded finance, and developer-first go-to-market.
- Stax Payments: Subscription-based payment processing platform targeting SMBs and ISOs with transparent pricing and integrated software; competes for the same SMB merchant and ISO partner base as Netevia.
- North American Bancard: Privately held payments and merchant services company with a deep ISO/agent channel model; one of Netevia's closest peers in channel-led SMB acquiring and residual economics.
- PaymentCloud: Merchant account provider specializing in high-risk and SMB verticals with an ISO/agent program; competes with Netevia for the same ISO partner and SMB processing volume.
Emerging players
- Highnote: Unified embedded finance platform (issuing, ledger, acquiring); a Netevia infrastructure partner on a multi-billion-dollar, 6-year acquiring commitment but also an emerging competitor in BaaS.
- Galileo Financial Technologies: Leading Banking-as-a-Service platform (owned by SoFi) offering card issuing, ledger, and payments APIs; competes with Netevia's BaaS/embedded finance offering for the same ISV and enterprise partners.
Broad incumbents
- Fiserv: Large incumbent merchant acquiring and fintech infrastructure provider (parent of Clover and First Data); competes broadly with Netevia in processing, banking, and embedded finance as part of a much wider portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Netevia social profiles
Digital presenceNetevia compliance and trust
Trust signalCompliance2 records
Netevia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Netevia leadership team
Management profileNumber of profiles
Profiles2 records
Netevia subsidiaries and ownership
Company hierarchySubsidiaries1 record
Netevia funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Netevia M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Netevia
What does Netevia do?
Netevia operates an integrated fintech platform that combines payment acceptance (online, in-person, and Tap to Pay on iPhone), Banking-as-a-Service APIs, embedded finance for ISVs, and merchant banking products. Distribution is driven primarily through a channel model of ISOs, agents, and ISVs, with white-label solutions, transparent residual reporting, and no-code plus customizable API integration paths for partners.
Is Netevia a public or private company?
Netevia is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Netevia founded?
Netevia was founded in 2012. It employs 51 to 100 people.
Where is Netevia based?
Netevia is headquartered in North Miami Beach, United States, in the North America region.
How does Netevia make money?
Five revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are banking Services, ISO in a Box Program, netevia Capital and API and Developer Platform.
Who are Netevia's main competitors?
Direct peers on record are Toast, Block (Square), Clover (Fiserv), Stripe, Stax Payments, North American Bancard and PaymentCloud. Emerging players are Highnote and Galileo Financial Technologies. Fiserv is listed as a broad incumbent.
Does Netevia have an API?
Yes. Netevia offers multiple public APIs for partners and developers including: Merchant Services API (hq.docs.netevia.com) for merchant management and payment processing; Banking Services API (banking.docs.netevia.com) for embedding banking-as-a-service; Semi-integrated PIN Pad API (pinpad.docs.netevia.com) for PIN pad integration; Payment Gateway API (gatewayapidocs.netevia.com) for online payment processing; and Instant Funding API (if.docs.netevia.com) for real-time fund disbursement. APIs support payments, banking services, and cash flow management. Developer documentation is at hq.docs.netevia.com.
What industry is Netevia in?
Netevia's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAGABAC, Payment Processing & Acquiring Infrastructure, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 522320 and its SIC code is 6159.