Tilled
Tilled is a PayFac-as-a-Service platform that enables independent software vendors (ISVs) and referral partners across the US and Canada to embed and monetize payment processing through developer-friendly APIs, white-label experiences, and revenue-share pricing.
- Company typePrivate
- Founded2018
- HeadquartersBoulder, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Tilled does
Tilled is a PayFac-as-a-Service platform headquartered in Boulder, Colorado (Delaware-incorporated) that enables independent software vendors (ISVs) to embed and monetize payment processing within their software products without building proprietary payment-facilitation infrastructure. Founded in 2018, the company targets two primary customer segments: vertical SaaS companies that want to monetize payments passing through their platforms, and referral partners (ISOs, resellers, consultants) who resell or co-sell the embedded payments solution to their software clients. Geographic reach spans the United States and Canada, with French language support added in April 2026.
The core technology stack centers on a REST API and SDKs (Payments.js for JavaScript, with examples in React, PHP/Laravel, Android/Kotlin, and iOS/SwiftUI) enabling merchants to be onboarded, payments to be processed (card-present and card-not-present), disputes managed, and payouts reconciled. The platform supports multiple processors (Paysafe, TSYS, North, KORT Payments), card-present hardware (Valor PayTech and Handpoint terminals), bank verification (Plaid), e-signature (DocuSign), and KYB (Middesk). Tilled maintains a Validated Level 1 PCI DSS Service Provider designation and operates as a registered ISO/MSP of Pinnacle Bank (dba Synovus) and a registered ISO of Citizens Bank.
Commercially, Tilled runs an Interchange++ pricing model charging partners a 7 basis point discount rate and $0.05 per transaction fee, with partners retaining either 75% revenue share (Scaling tier at $2,500/month SaaS) or 90% revenue share (Enterprise tier at $10,000/month SaaS). White-label capabilities span merchant dashboards, transactional emails, documentation, API reference, and (since April 2026) custom domains for enterprise partners. Distribution combines direct enterprise field sales, a referral partner program, self-serve developer onboarding with a sandbox environment, and white-label/OEM partnerships such as the KORT Payments agreement. Tilled has raised approximately $36-40M across multiple equity rounds including an $11M Series A (2021), an $11M Series A extension led by G Squared (2022), a $12.5M round led by Canvas Ventures and UPC Capital Ventures (2024), and an ongoing ~$3M exempt offering filed March 2026.
Tilled firmographics
Firmographics- Name
- Tilled
- Legal name
- Tilled, Inc.
- Website
- https://tilled.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tilled is a PayFac-as-a-Service platform that enables independent software vendors (ISVs) and referral partners across the US and Canada to embed and monetize payment processing through developer-friendly APIs, white-label experiences, and revenue-share pricing.
- Ownership category
- akta.pro rank
Tilled industry classification
Industry- Product category
- Payment Facilitation Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374)
- 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), Recurring Billing & Subscription Payments Enablement (FSAMACAF), Payment Gateways & Orchestration (BPAMAFAA)
Keywords
Where Tilled is headquartered
LocationHeadquarters
- HQ city
- Boulder
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Tilled business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Interchange ++ Markup: Tilled charges a 7 basis points discount rate on transaction volume. Partners retain the remaining spread between interchange costs and merchant pricing, generating revenue on every transaction processed through their merchant portfolio.
- Transaction Fee Revenue Share: $0.05 per transaction fee with partners receiving 75% (scaling) or 90% (enterprise) revenue share. Partners earn recurring revenue on every transaction processed by merchants in their portfolio.
- Monthly SaaS Platform Fee: Scaling partners pay $2,500/month for platform access; Enterprise partners pay $10,000/month. In exchange, partners receive higher revenue shares (75% vs 90%) and additional features/support.
- Portfolio Buy Back Program: Program allowing partners to convert their payments portfolio into immediate capital by selling residuals to Tilled while maintaining long-term upside potential.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Scaling Partnership - 75% revenue share |
| Transaction based/ take rate | Monthly | Enterprise Partnership - 90% revenue share |
| Transaction based/ take rate | Pay-as-you-go | Transaction Processing Fees |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Tilled product offering
Product offeringCore offering
Tilled provides a PayFac-as-a-Service platform that enables software companies (ISVs) to embed, monitor, and monetize payment processing within their applications via REST APIs, JavaScript SDKs, and hosted merchant onboarding tools. Partners earn revenue share on every transaction processed through their software platform, with white-label capabilities and support for both card-present and card-not-present payments across the U.S. and Canada.
Product overview
Tilled is a PayFac-as-a-Service platform that provides software companies with a unified solution for embedding payment facilitation capabilities. The core offering is the PayFac-as-a-Service Platform, which combines a REST API, Payments.js SDK for frontend integration, and hosted merchant application options. The platform supports both card-present (via Valor PayTech terminals) and card-not-present payments, with integrations to processors including TSYS, Paysafe, North, and KORT Payments. Partners access the platform through dedicated dashboards (Partner, Merchant, or Reseller depending on role) and can white-label the entire experience. Pricing operates on Interchange++ model with SaaS tiers (Scaling at $2,500/month with 75% revenue share, Enterprise at $10,000/month with 90% revenue share). Additional capabilities include subscription billing, dispute management, comprehensive reporting suite, checkout sessions, and payment links. The platform is available across the US and Canada with multilingual support.
Differentiator
Problem solved
Functional benefit
Products and services
- PayFac-as-a-Service Platform Tilled's primary offering enabling software companies to embed payment facilitation capabilities without building payment infrastructure. Combines easy-to-integrate payment technology, full-service offerings, and transparent pricing to deliver payment processing with no upfront cost, overhead, or liabilities.
- Payments.js JavaScript SDK that enables seamless integration of payment forms into applications. Securely stores payment information on remote servers, minimizing PCI compliance burden. Supports card payments, ACH bank accounts, EFT for Canada, and Apple Pay.
- Hosted Merchant Application No-code option for software platforms to onboard merchants. Continuously optimized to achieve 50% higher likelihood of instant approvals compared to direct API integrations. White-labeled and responsive for mobile.
- Card-Present Payments Enables in-person payment processing through terminal readers. Supports card vaulting for future transactions, on-device tipping, and printed receipts. Terminal options include Valor PayTech devices and Handpoint terminals.
- Partner Dashboard Console for partners to manage merchant portfolios, view payment activity, configure pricing templates, access support, and monitor onboarding status across their ISV networks.
- Subscriptions Recurring billing functionality allowing merchants and ISVs to view and manage subscriptions. Supports subscription lifecycle management.
- Checkout Sessions API Low-code solution for generating checkout session URLs to redirect customers to a hosted payment page. Supports one-time payments, mobile optimization, multiple line items, and white-labeling.
- Dispute Management Dispute response system enabling tracking of dispute progress, submitting evidence through the console, email notifications, and downloadable Disputes Report for analysis.
- Reporting Suite Comprehensive reporting including Processing Summary, Merchant Fees, Interchange Report, Interchange Details, Payout Reconciliation, and Payout Details reports available via console and API.
- White-Label Solution Enables partners to customize Tilled merchant experience with their own branding, colors, and logos. Extends to transactional emails, hosted payment pages, Docs, API Reference, and dashboards.
Quantifiable outcome
- Time-to-market reduced from 12-24 months to 4-8 weeks when partnering with PayFac-as-a-Service provider
- +3 more outcomes
Companies that use Tilled
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles3 records
Tilled technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature6 records
Tilled partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and major.
- KORT PaymentscoreStrategic long-term partnership to deliver unified embedded payments experience to ISVs across the United States and Canada. KORT's enterprise-grade payment stack combines with Tilled's PayFac-as-a-Service technology to provide omnichannel payment capabilities for ISVs in digital commerce, healthcare, automotive, travel, and B2B services sectors. Partnership follows KORT's acquisition of Paysafe's direct marketing business and is intended to accelerate KORT's market expansion in embedded payments.
- HandpointcoreNew partnership to expand card-present offerings with dozens of terminal options available. Handpoint provides terminal hardware and payment processing solutions.
- NorthmajorStrategic partnership to enhance payment processing capabilities for independent software vendors (ISVs), enabling them to embed payments with North's frictionless payment solutions.
- Valor PayTechcorePartnership for card-present processing with VL100 and VL110 terminals. Later expanded to include additional Valor devices: VL550, VP550, VP550E, VP500, VP550C, VL100 Pro.
- Pinnacle Bank (dba Synovus Bank)coreTilled is a registered ISO/MSP (Independent Sales Organization/Money Services Business) of Pinnacle Bank, a Tennessee bank doing business as Synovus Bank, Columbus, GA.
- Citizens BankmajorTilled is a registered Independent Sales Organization of Citizens Bank.
- PlaidmajorIntegrated into Tilled's hosted merchant application for quickest method of bank account authentication. Merchants can connect bank accounts via Plaid or enter details manually.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Tilled competitors and assessment
Company assessmentDirect peers
- Finix: Finix is the closest direct competitor to Tilled, offering PayFac-as-a-Service infrastructure that lets software platforms embed and monetize payments without building a payments facilitator from scratch. Both target vertical SaaS ISVs with developer-friendly APIs, revenue share economics, and white-label capabilities.
- Stax Connect (Stax Payments): Stax Connect provides embedded payments-as-a-service for software companies, enabling ISVs to integrate payment processing and earn residuals from sub-merchant volume. Overlaps with Tilled in targeting vertical SaaS and ISV partners with revenue share economics, though Stax also operates direct merchant acquiring.
Broad incumbents
- Stripe (Connect): Stripe Connect is Stripe's embedded payments product enabling platforms to onboard sub-merchants, route payments, and monetize flows. As the dominant payments infrastructure provider, Stripe competes with Tilled in the ISV-embedded-payments niche but as part of a much broader product portfolio rather than a specialized PayFac focus.
- Square / Block (Square Banking, Square Embedded Payments): Block/Square offers embedded payments capabilities through Square APIs and developer platforms, allowing software companies to integrate card processing, terminals, and related services. As a large, publicly traded incumbent, Square competes broadly with Tilled's PayFac-as-a-Service proposition but through a much wider product suite including hardware, banking, and consumer-facing products.
- Adyen for Platforms: Adyen for Platforms is the embedded payments offering from global acquirer Adyen, enabling software platforms to onboard sub-merchants, split payments, and manage risk across markets. While Adyen focuses more on enterprise global merchants than North American ISVs, its platform proposition directly competes with Tilled's core use case of turning software platforms into payment facilitators.
Emerging players
- Sphere (formerly WireCash): Sphere offers an embedded payments platform targeting software companies and ISVs with payment facilitation-style capabilities, white-label onboarding, and developer APIs. Comparable to Tilled in serving the ISV-embedded-payments market but with smaller scale and more limited processor coverage.
- Rainforest: Rainforest provides embedded payment processing for software platforms, with a focus on ISOs, ISVs, and software-led distribution of payment processing. Comparable to Tilled's PayFac-as-a-Service offering in serving software companies looking to add payments revenue, though generally positioned as a smaller, more focused player.
- Helcim: Helcim offers payment processing with partner and ISV programs enabling software companies to integrate payments and earn residual revenue from sub-merchants. Comparable to Tilled's model of serving ISVs with embedded payments, though Helcim also serves direct SMB merchants with interchange-plus pricing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Tilled social profiles
Digital presenceTilled compliance and trust
Trust signalCompliance3 records
Tilled financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tilled leadership team
Management profileNumber of profiles
Profiles4 records
Tilled funding detail
Funding detailFunding overview
Funding rounds6 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tilled 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 Tilled
What does Tilled do?
Tilled provides a PayFac-as-a-Service platform that enables software companies (ISVs) to embed, monitor, and monetize payment processing within their applications via REST APIs, JavaScript SDKs, and hosted merchant onboarding tools. Partners earn revenue share on every transaction processed through their software platform, with white-label capabilities and support for both card-present and card-not-present payments across the U.S. and Canada.
Is Tilled a public or private company?
Tilled is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tilled founded?
Tilled was founded in 2018. It employs 11 to 50 people.
Where is Tilled based?
Tilled is headquartered in Boulder, United States, in the North America region.
How does Tilled make money?
Four revenue lines are on record. Interchange ++ Markup is the primary driver. The others are transaction Fee Revenue Share, monthly SaaS Platform Fee and portfolio Buy Back Program.
Who are Tilled's main competitors?
Direct peers on record are Finix and Stax Connect (Stax Payments). Broad incumbents are Stripe (Connect), Square / Block (Square Banking, Square Embedded Payments) and Adyen for Platforms. Emerging players are Sphere (formerly WireCash), Rainforest and Helcim.
Does Tilled have an API?
Yes. Tilled offers a REST API enabling software companies to embed payment facilitation capabilities. The API supports merchant onboarding, payment processing (card-present and card-not-present), refunds, disputes, webhooks, reporting, payouts, and billing management. Available endpoints include: Payment Intents, Accounts/Onboarding, Merchants, Charges, Refunds, Disputes, Webhooks, Balance Transactions, Terminal Readers, Outbound Transfers, Auth Links, Checkout Sessions, and Reports. Authentication uses API keys (publishable and secret keys). A sandbox environment (sandbox-app.tilled.com) is available for testing. SDK examples exist in JavaScript/React, PHP/Laravel, Android/Kotlin, and iOS/SwiftUI. Developer documentation is at docs.tilled.com.
What industry is Tilled in?
Tilled's product category is Payment Facilitation Software. 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). Its NAICS code is 522320 and its SIC code is 7370.