What Global Holdings does

Global Holdings LLC is a privately held financial technology company headquartered in Tulsa, Oklahoma, that provides payment processing infrastructure specifically for the debt settlement industry. Founded in 2003, the company establishes FDIC-insured accounts in consumer names, processes deposits, and routes payments to creditors on behalf of consumers enrolled in debt settlement programs. According to company materials, Global Holdings processes $15 billion in transactions annually across 43 million transactions and has served more than 10 million customers cumulatively.

The company operates a platform-plus-modules architecture centered on its core payment processing solution, supplemented by Global Prime (a DSP operating system), Compliance & Risk Mitigation tools, Credit Reporting Automation, Reporting & Analytics, a Phone System, and AI Tools. Underlying technology includes FDIC-insured account management infrastructure, integrated compliance frameworks aligned with GLBA and CCPA, and credit reporting automation. The company holds NMLS licensing (ID 1167249) and operates under a culture-of-compliance positioning.

Global Holdings generates revenue through transaction fees on payment processing for debt settlement programs, distributed via a B2B2C go-to-market model in which debt settlement providers refer their consumer clients to Global Holdings for account services. The company maintains separate partner and consumer portals (company.ghllc.com and myaccount.ghllc.com), dedicated customer support phone lines, and a Premier Support tier for partners. Operations are domestic U.S. only. Leadership includes CEO Steven Petrevski and co-founder Robert Merrick. The company received $68.5 million in debt financing from Crystal Financial in 2017.

Name

Global Holdings

Legal name

Global Holdings LLC

Website

https://ghllc.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Global Holdings LLC is a Tulsa-based fintech that provides FDIC-insured payment processing infrastructure for the U.S. debt settlement industry, serving debt settlement providers and their consumer clients via a B2B2C model.

Ownership category

akta.pro rank

Product category

Debt Settlement Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

akta.pro secondary industry

International & Cross-Border Collections (FSAKAJAO)

Keywords

• Debt settlement payments
• FDIC-insured accounts
• Payment processing services
• Creditor payment platform
• Consumer fund management

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Global Holdings processes deposits and payments for consumers enrolled in debt settlement programs. The company earns revenue through transaction fees associated with processing billions of dollars in annual payments and deposits through their FDIC-insured account infrastructure.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Global Holdings provides a payment processing platform tailored for the debt settlement industry, establishing FDIC-insured accounts in consumers' names and processing deposits and creditor payments on behalf of debt settlement programs. The platform processes approximately $15B in annual transactions across 43M transactions for 10M+ customers, supported by compliance, credit reporting automation, analytics, telephony, and AI tooling.

Product overview

Global Holdings is a payment processing platform designed specifically for debt settlement programs. The company operates a platform-plus-modules architecture centered on its core Payment Processing solution, supplemented by specialized modules including Global Prime (DSP Operating System), Compliance & Risk Mitigation, Credit Reporting Automation, Reporting & Analytics, Phone System, and AI Tools. The platform provides FDIC-insured accounts for consumers enrolled in debt settlement programs, facilitating secure deposits and creditor payments while processing over $15 billion in transactions annually across 43 million transactions serving 10 million customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Processing Core payment processing solution that enables secure deposits and creditor payments for debt settlement programs, processing billions of dollars in transactions annually through FDIC-insured accounts established in consumers' names. Used by debt settlement providers enrolling their consumer clients.
• Global Prime (DSP Operating System) Digital service provider operating system for payment processing management and operations, offered to debt settlement providers as a standalone industry solution from Global Holdings.
• Compliance & Risk Mitigation Risk management and regulatory compliance tools designed to protect consumers and ensure adherence to financial regulations, offered to debt settlement providers as an industry solution.
• Credit Reporting Automation Automated credit reporting capabilities integrated into the Global Holdings payment and account management platform, offered as a standalone industry solution for debt settlement providers.
• Reporting & Analytics Analytics and reporting tools providing insights into transactions, account activity, and financial metrics, offered to debt settlement providers as a standalone industry solution.
• Phone System Telecommunications solution for customer service and account management interactions, offered as an industry solution within the Global Holdings platform portfolio.
• AI Tools Artificial intelligence tools for enhancing payment processing and customer service operations, offered as a standalone industry solution within the Global Holdings portfolio.

Quantifiable outcome

• Over 10 million customers served
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Beyond Finance: Beyond Finance is a large debt settlement provider that operates its own consumer fund management infrastructure and would be both a potential customer and competitor to Global Holdings' payment processing platform.
• ACI Worldwide: ACI Worldwide is a global real-time payments and financial transactions software provider, comparable to Global Holdings at the payments infrastructure layer though operating across a broader set of verticals.
• National Debt Relief: National Debt Relief is a major U.S. debt settlement provider that manages consumer deposits and creditor payments at scale, representing both a customer base and adjacent operating model to Global Holdings.
• Freedom Debt Relief: Freedom Debt Relief is one of the largest U.S. debt settlement firms and a logical enterprise customer/channel partner for Global Holdings' FDIC-insured account and payment processing services.
• Fiserv: Fiserv is a major payments and financial technology provider with broad account processing and ACH infrastructure, comparable to Global Holdings' core payment processing capability but serving a much wider customer base.

Emerging players

• Marqeta: Marqeta is a modern card issuing and payment processing platform whose API-first infrastructure competes for the same regulated payment processing workloads that Global Holdings serves for debt settlement.
• Dwolla: Dwolla provides ACH payment processing APIs for fintech and regulated financial service use cases, overlapping with Global Holdings' ACH-based payment processing infrastructure for debt settlement consumers.

Direct peers

• Prodigal: Prodigal provides technology and AI-enabled payment and communication infrastructure specifically for the debt settlement and consumer finance industry, directly overlapping with Global Holdings' core debt settlement payment processing niche.
• Ontario Systems: Ontario Systems provides accounts receivable management and debt collection/recovery software platforms, overlapping with Global Holdings' compliance, account management, and creditor payment processing capabilities.
• DAKCS Software Systems: DAKCS provides debt collection and recovery software platforms used by agencies and creditors, comparable to Global Holdings' role as a payment and account infrastructure provider in the consumer debt space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Global Holdings