Payroc
Payroc is a global payment processing company that operates a unified omnichannel payments platform, processing over $125 billion in annual volume across 190,000 merchants and serving ISVs, referral partners, financial institutions, and merchants across retail, healthcare, and unattended verticals.
- Company typePrivate
- Founded2003
- HeadquartersTinley Park, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Payroc does
Payroc is a global payment processing company headquartered in Tinley Park, Illinois, founded in 2003 and operating under the legal entity Payroc WorldAccess, LLC. The company runs a unified omnichannel payments platform that processes more than $125 billion in annual volume across approximately 190,000 merchants and 789 million transactions, supporting card-present, card-not-present, mobile, ecommerce, and unattended payment channels across 50+ regions, 100+ currencies, and 36+ local payment methods. Core technology components include the Payroc Gateway, Virtual Terminal, Payroc Cloud-based POS integration, ACHeck21 (acquired 2021), Beanstalk debit routing (acquired 2021), and the BlueSnap API-first orchestration platform (acquired October 2025). The company also offers developer-facing tooling via Integration Essentials and a unified developer portal covering Payments, Boarding, Funding, and Reporting APIs.
Payroc serves four primary customer segments: ISVs/SaaS providers seeking embedded payments, sales/referral partners and ISOs seeking residual income, financial institutions (banks and credit unions) seeking merchant services programs, and merchants across verticals including retail, hospitality, healthcare, unattended retail, and public sector. Go-to-market operates through three motions: API-first embedded payments for ISVs, partner sales through referral partners and ISOs, and enterprise field sales targeting financial institutions. The company operates as an ISO of Fifth Third Bank, PNC, Wells Fargo, Deutsche Bank, and KeyBank.
Payroc generates revenue predominantly through transaction fees on payment processing, supplemented by gateway/technology subscription fees and a growing embedded financial services revenue stream through its NewtekOne strategic alliance (banking, lending, payroll, insurance). Pricing is quote-based and not publicly disclosed. The business is private equity-backed by Parthenon Capital, which has supported a roll-up acquisition strategy with ten disclosed acquisitions since 2021, including the $438 million i3 Verticals merchant services business (September 2024) and BlueSnap (October 2025). The company employs over 1,300 people across operations in the U.S., Canada, Puerto Rico, the United Kingdom, Northern Ireland, Ireland, and Israel, with leadership under CEO James Oberman.
Payroc firmographics
Firmographics- Name
- Payroc
- Legal name
- Payroc WorldAccess, LLC
- Website
- https://Payroc.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Payroc is a global payment processing company that operates a unified omnichannel payments platform, processing over $125 billion in annual volume across 190,000 merchants and serving ISVs, referral partners, financial institutions, and merchants across retail, healthcare, and unattended verticals.
- Ownership category
- akta.pro rank
Payroc industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
Keywords
Where Payroc is headquartered
LocationHeadquarters
- HQ city
- Tinley Park
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
Payroc business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Payment Processing and Transaction Fees: Payroc generates revenue primarily through transaction fees charged on payment processing across card-present, card-not-present, ecommerce, mobile, and unattended payment channels
- Gateway and Technology Services: Revenue from providing gateway infrastructure, API access, and cloud-based payment solutions to ISVs and software platforms
- Embedded Financial Services: Revenue opportunity through partnership with NewtekOne to offer banking, lending (loans from $5,000 to $15 million), depository solutions, payroll, and insurance products to merchant base
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Custom enterprise pricing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Payroc product offering
Product offeringCore offering
Payroc is a global payment processing company that provides unified omnichannel payment processing solutions across card-present, card-not-present, mobile, ecommerce, and unattended payment channels. The platform serves merchants, ISVs/SaaS providers, referral partners, and financial institutions through a proprietary gateway, unified APIs, cloud-based POS integration, ACH processing, and global payment orchestration capabilities covering 50+ regions, 100+ currencies, and 36+ local payment methods.
Product overview
Payroc is a unified payments platform built for partners, offering a comprehensive portfolio of payment processing solutions across card-present, card-not-present, and omnichannel environments. The platform architecture combines a core gateway and payment processing engine with modular add-ons including ACH/check services (ACHeck21), invoicing and billing automation, pricing optimization programs, and field service management (Roc Services). For developers and ISVs, Payroc provides API-based integration tools including Integration Essentials and a unified developer portal, while the acquired BlueSnap platform adds enterprise-grade global payment orchestration supporting 50+ regions and 100+ currencies. The product ecosystem spans merchant-facing solutions (terminals, virtual terminal, payment links, mobile apps), partner-focused tools (sales portals, boarding APIs), and financial institution services, all designed for seamless integration with existing software platforms.
Differentiator
Problem solved
Functional benefit
Brands
- Payroc Gateway: Payment gateway for secure processing across multiple platforms
- Payroc Cloud
- Payroc Mobile
- Roc Services
- Roc Terminal+
- Bodega Ai
- BlueSnap
- Worldnet
- ACheck21
- CenterEdge Play
- Integration Essentials
Products and services
- Payroc Gateway Secure payment gateway processing transactions globally across all payment channels and methods. Core product for merchants and ISVs offering secure transaction processing.
- Virtual Terminal Browser-based virtual terminal for completing transactions without physical card present, enabling phone/MOTO payments for merchants processing card-not-present transactions.
- ACH (ACheck21) Bank transfer payment acceptance through ACHeck21 technology for ACH, check capture, and verification services. Enables eCheck payments for merchants and software vendors.
- Payroc Cloud Cloud-based POS device integration platform allowing merchants to connect payment terminals via cloud infrastructure. Enables terminal connectivity via the cloud for card-present and unattended environments.
- Payment Links Shareable payment links enabling merchants to collect payments remotely via email, text, or social media. Provides remote payment collection capability for merchants.
- Global Payment Orchestration Enterprise-grade payment optimization platform enabling merchants to transact across 50+ regions with local acquiring, 100+ currencies, and 36+ local payment methods. Or.h ```
- Invoicing and Billing Automated accounts receivable workflow including invoicing, payment reminders, and collections management. Provides AR automation for merchants and software platforms.
- Payroc Developer Portal / APIs Developer portal providing unified API access for Payments API (transaction processing), Boarding API (merchant onboarding), Funding API (deposit and payout management), and Reporting API (real-time payment data access). Enables software platforms to embed payments.
- Integration Essentials Prebuilt integration toolkit with hosted payment pages, embedded fields, and payment links enabling faster payment embedding for software platforms. Reduces development complexity for ISVs seeking to embed payment capabilities.
- BlueSnap API-first global payment orchestration and AR automation platform acquired by Payroc, supporting 47+ countries, 100+ currencies, and 36+ local payment methods with embedded invoicing and subscription billing capabilities.
- Tap to Pay on iPhone NFC-based contactless payment functionality allowing merchants to accept credit/debit cards, Apple Pay, and digital wallets using iPhone without additional hardware. Available through Payroc Mobile iOS app for U.S. merchants.
- CenterEdge Play Cashless management and payment solution for family entertainment centers, combining CenterEdge's management tools with KioSoft's cashless payment technology powered by Payroc payment processing.
- Roc Services Field service management platform combining job scheduling, invoicing, and payment collection for service businesses. Provides integrated business management for service-based merchants.
- Roc Terminal+ Mobile business management application enabling merchants to run their business from anywhere with payment processing capabilities. Provides mobile POS and business management functionality.
- Bodega Ai AI-powered retail management solution designed to simplify operations for independent retail businesses. Provides intelligent retail management capabilities.
- Payment Terminals Selection of payment terminal hardware devices from top manufacturers, precertified for Payroc's platform integration. Provides hardware payment acceptance solutions for merchants.
- Pricing Programs Cost reduction programs including surcharge options to help merchants lower payment processing expenses. Provides pricing optimization including RewardPay Choice compliant surcharge program.
- Roc Giving Donation collection and campaign management solution for nonprofits and organizations accepting charitable contributions. Provides specialized payment solution for the nonprofit sector.
Quantifiable outcome
- 789M+ annual transactions processed
- +3 more outcomes
Companies that use Payroc
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles6 records
Payroc technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature9 records
Payroc partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and strategic.
- NewtekOnecoreStrategic alliance to embed banking, lending, and insurance solutions directly into Payroc's platform serving 190,000 SMBs. NewtekOne provides loans from $5,000 to $15 million with 10 to 25-year amortization, high-yield business accounts, and real-time payroll through FedNow and RTP networks. Positions Payroc as comprehensive financial hub with access to projected $7.2 trillion embedded finance market by 2030.
- Webster First Federal Credit UnioncorePartnership to deliver next-generation payment processing solutions to businesses in Massachusetts. Collaboration aims to help merchants operate more efficiently and grow using innovative, reliable payment services.
- Jeanne D'Arc Credit UnioncorePartnership to provide comprehensive payment processing solutions to credit union's business clients in Greater Lowell and Southern New Hampshire area. Services include point-of-sale systems, online payments, electronic invoicing, fraud management, and same-day funding.
- PAX TechnologystrategicStrategic collaboration to accelerate payment solution deployment for Independent Software Vendors (ISVs) across various environments. Partnership emphasizes innovation, flexibility, and scalability to support ISV growth.
- CenterEdge SoftwarestrategicCollaboration to launch CenterEdge Play, a cashless management and payment solution for family entertainment centers. Combines CenterEdge's management tools with KioSoft's cashless payment technology, powered by Payroc, debuting at IAAPA Expo in Orlando.
- KioSoftstrategicCashless payment technology provider in CenterEdge Play collaboration for family entertainment centers, powered by Payroc payment processing.
- BlueSnap (Acquired)coreAcquisition completed October 2025 to enhance global payments capabilities. BlueSnap's API-first orchestration platform integrated into Payroc's acquiring network for cross-border CNP acceptance, embedded invoicing, and AR automation. Combined entity operates across 50 regions with $125B+ annual processing.
- Agilisa Technologies (Acquired)strategicAcquisition of payment gateway services provider based in Dominican Republic to expand presence in Latin America and the Caribbean, enhancing cross-border capabilities.
- Biller GeniestrategicPartnership to launch automated accounts receivable solution for QuickBooks merchants in the U.S. Integration provides automated invoicing, payment reminders, and collections, reducing manual data entry and lowering processing fees through Payroc's RewardPay Choice compliant surcharge program.
- i3 Verticals (Acquisition)coreCompleted acquisition of i3 Verticals' merchant services business for approximately $438 million. Combined entity processes over $115 billion in annual volume across approximately 190,000 merchants in U.S., Canada, Caribbean, U.K., and EU.
- Atlantic Merchant Services (Acquired)strategicAcquisition of merchant processing company based in Raleigh, North Carolina providing payment solutions across mid-Atlantic region and beyond, serving over 151,000 merchants processing more than $80 billion annually.
- Worldnet (Acquired)strategicAcquisition of omnichannel payment solutions provider for independent software vendors to enhance capabilities in ISV and embedded payments sector and expand global infrastructure.
- East Commerce Solutions (Acquired)strategicAcquisition of merchant service with $2 billion in annual processing volume to expand product offerings and international reach throughout the United States.
- SnapCheck (Acquired)strategicAcquisition of payments modernization platform to combine SnapCheck's digital checking platform with Payroc's ACHeck21 Fintech Cloud solution for digital payments innovation.
- DCS Holdings Group / ACHeck21 (Acquired)strategicAcquisition of technology provider for ACH, check capture, and verification services to develop combined card and eCheck payments platform across integrated partnerships. ACHeck21 founded in 2011 by Sam Ackley, based in Missouri.
- Beanstalk Payment Technologies (Acquired)strategicAcquisition of fintech company specializing in routing solutions for debit card transactions to enhance cost-saving capabilities and transaction processing efficiency for merchants and software vendors.
Scale indicators10 records
Recent moves7 records
Expansion highlights8 records
Payroc competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Payroc social profiles
Digital presencePayroc compliance and trust
Trust signalCompliance1 record
Payroc financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payroc leadership team
Management profileNumber of profiles
Profiles8 records
Payroc subsidiaries and ownership
Company hierarchySubsidiaries10 records
Payroc funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payroc M&A and investment
M&A and investmentM&A23 records
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payroc
What does Payroc do?
Payroc is a global payment processing company that provides unified omnichannel payment processing solutions across card-present, card-not-present, mobile, ecommerce, and unattended payment channels. The platform serves merchants, ISVs/SaaS providers, referral partners, and financial institutions through a proprietary gateway, unified APIs, cloud-based POS integration, ACH processing, and global payment orchestration capabilities covering 50+ regions, 100+ currencies, and 36+ local payment methods.
Is Payroc a public or private company?
Payroc is a private company. It is classified as private equity controlled and is currently operating.
When was Payroc founded?
Payroc was founded in 2003. It employs 501 to 1,000 people.
Where is Payroc based?
Payroc is headquartered in Tinley Park, United States, in the North America region.
How does Payroc make money?
Three revenue lines are on record. Payment Processing and Transaction Fees are the primary driver. The others are gateway and Technology Services and embedded Financial Services.
Does Payroc have an API?
Yes. Payroc offers a unified API platform for embedded payments, including Payments API for transaction processing, Boarding API for merchant onboarding, Funding API for deposit and payout management, and Reporting API for real-time payment data access. Available through the Payroc Developer Portal at docs.payroc.com. The company also provides BlueSnap's API-first payment orchestration platform covering 47+ countries, 100+ currencies, and 36+ local payment methods through a single API integration. Developer documentation is at docs.payroc.com.
What industry is Payroc in?
Payroc's product category is Payment Processing. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 52232.