What Ozura does

Ozura is a Miami-based financial services platform founded in 2021 that delivers an integrated banking-as-a-service, payments, and data solution to merchants, Independent Sales Organizations (ISOs), fintechs, startups, and venture capital/private equity firms. The core product, OzuraPay, bundles payment acceptance, in-house banking with up to $2.5M FDIC insurance through partner banks and sweep networks, invoicing, billing, identity verification, and Digital Asset Receipts (DAR/DARS) — immutable first-party transaction data records positioned for fraud mitigation, chargeback protection, and customer retention. The company supplements OzuraPay with OzConnect, a portfolio-analytics tool for VCs and PE firms that links external bank accounts to verify cash, burn, and expense data, and Founder Connect, which surfaces startups to investors.

Underlying the suite is a modular, CSS-level customizable architecture designed to let ISOs white-label the platform with embedded compliance logic. Ozura monetizes through transaction-based payment processing fees, banking-as-a-service subscriptions (checking, savings, virtual and physical cards, wire services), software maintenance and PCI compliance fees via its ISO partner program (which allows up to 100% markup), and managed treasury services such as capital call lines of credit, fund-guaranteed loans, NAV loans, global cash management, and letters of credit targeted at VC/PE clients.

Go-to-market operates across three motions: enterprise sales for large merchants, fintechs, and VC/PE firms; a self-serve, no-code product-led growth track via ozurapay.com for startups and SMBs; and a channel partner program for ISOs. The company maintains ten-plus technology and banking integrations (Elavon, Fireblocks, FIS, IBM, US Bank, Signature Bank, Check.com, Neural, Vanti, Stellus). Funding is limited to a single disclosed round of $265,000 in January 2022, no revenue is publicly disclosed, and headcount is reported at 11-50 employees, indicating a pre-scale or early-traction operating profile relative to category peers.

Name

Ozura

Legal name

Ozura

Website

https://ozura.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Banking-as-a-Service Platform

NAICS

Credit Card Issuing (52221), Sales Financing (52222)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

akta.pro secondary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Payment processing
• Banking-as-a-service
• Merchant services
• ISO partner program
• Portfolio analytics

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees charged on payment volume processed through the platform. Supports various payment types including ACH, wire transfers, and card payments.
2. Banking Services: Revenue from banking-as-a-service offerings including checking, savings, virtual and physical debit/credit cards, and international wire services.
3. Partner Program Revenue: Software maintenance fees, PCI compliance fees, and revenue sharing with ISOs. Partners can earn up to 100% markup on competitive pricing.
4. Treasury Management: Services for VCs and PE firms including capital call lines of credit, fund-guaranteed loans, net asset value loans, and global cash management.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Ozura operates an all-in-one financial services platform that combines payments, banking, data, and ledgering for merchants, fintechs, startups, ISOs, and VC/PE firms. Its OzuraPay ecosystem provides payment processing, in-house banking with FDIC insurance up to $2.5M through partner banks, Digital Asset Receipts (DAR) for fraud mitigation, and modular no-code tools. OzConnect extends the platform with portfolio analytics and financing solutions for venture capital and private equity firms.

Product overview

Ozura is an all-in-one financial services platform offering modular products for payments, banking, invoicing, and portfolio management. The core platform, OzuraPay, serves as the central payment ecosystem, supplemented by specialized products including Payments, Banking, Invoicing, Billing, Identity, Dynamic Receipts, and Digital Asset Receipts (DAR/DARS) for fraud prevention. For enterprise clients, Ozura provides OzConnect for portfolio analytics and Founder Connect for startup capital matching. ISOs access a next-generation portal with Payment Links, Prebuilt Payment Forms, and Flexible UI Components. The VCs & PE suite includes financing products such as Capital Call Lines of Credit, Fund-Guaranteed Loans, Net Asset Value Loans, Global Cash Management, Letters of Credit, and 24/7 Online Banking.

Differentiator

Problem solved

Functional benefit

Brands

• OzuraPay: Payment processing ecosystem for merchants and portfolio companies offering payment processing and native accounts.
• OzConnect
• Digital Asset Receipts (DAR/DARS)

Quantifiable outcome

• FDIC insurance coverage up to $2.5M through partner banks and sweep networks
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• Check.comcoreTechnology or IntegrationPayment processing and technology integration partner providing payment infrastructure services to Ozura's platform ecosystem.
• ElavoncoreTechnology or IntegrationMajor payment processor partner integrated into Ozura's payment ecosystem for card processing and merchant services.
• FireblockscoreTechnology or IntegrationDigital asset infrastructure partner providing secure custody and transfer capabilities for Digital Asset Receipts and cryptocurrency operations.
• FIS (Fidelity National Services)coreTechnology or IntegrationGlobal financial technology company providing payment processing and banking technology infrastructure integration.
• Signature BankcoreTechnology or IntegrationBanking partner providing banking services infrastructure and potentially FDIC insurance through sweep networks.
• US BankcoreTechnology or IntegrationMajor US banking partner providing banking-as-a-service infrastructure, FDIC insurance coverage up to $2.5M through sweep networks.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Dwolla: ACH and open banking payments infrastructure for platforms and fintechs. Comparable to Ozura's payment processing rails and bank-account connectivity features (OzConnect-style data).
• Mercury: Digital banking and treasury platform built for startups and VC-backed companies. Comparable to Ozura's startup and VC/PE customer segments and similar fintech-for-fintech positioning.

Direct peers

• Finix: Payment orchestration and BaaS platform enabling businesses and software platforms to embed payments, banking, and payouts. Direct competitor to Ozura across merchants, ISOs, and fintech segments with a comparable partnership-driven GTM.
• Unit: Banking-as-a-service platform providing FDIC-insured accounts, cards, and lending APIs to fintechs and brands. Closely comparable to Ozura's embedded banking + payments offering for the fintech and merchant segments.
• Synctera: BaaS marketplace connecting fintechs with community bank partners for accounts, cards, and lending. Highly comparable charter-light model and bank-partnership architecture to Ozura.
• Stax: Payments platform targeting ISOs, software verticals, and SMB merchants with subscription-based pricing and embedded commerce tools. Directly comparable to Ozura's ISO program and merchant onboarding model.
• Modern Treasury: Payment operations platform offering money movement, reconciliation, and treasury workflows to businesses. Comparable to Ozura's treasury management, banking, and invoicing modules for VC/PE and merchants.

Broad incumbents

• Plaid: Financial data aggregation platform connecting bank accounts to fintech apps. Comparable in functionality to Ozura's OzConnect analytics and external bank-account linking for VC/PE use cases, though much broader.
• Stripe: Global payments platform with Stripe Connect, Issuing, Treasury, and Capital products. Competes with Ozura across merchants, fintechs, and embedded financial services but as a much larger incumbent.
• Cross River Bank: State-chartered bank offering BaaS, payments, and lending infrastructure to fintechs. Comparable bank-partnership and BaaS architecture, though operating as a chartered institution rather than a partner-dependent platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ozurachain
• LinkedInlinkedin.com/company/ozura
• Instagraminstagram.com/the.ozura

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

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 Ozura