PayGarden
- Company typePrivate
- Founded2013
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
PayGarden firmographics
Firmographics- Name
- PayGarden
- Legal name
- PayGarden, Inc.
- Website
- https://paygarden.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
PayGarden industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
- akta.pro secondary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where PayGarden is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PayGarden business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Gift Card Transaction Fees: PayGarden determines the value on each gift card presented by users and collects a fee from users' gift cards when transactions are completed. The fee is deducted from the gift card value at the point of transaction. This is a transaction-based take rate model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quote-based pricing for merchants |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
PayGarden product offering
Product offeringCore offering
PayGarden provides a hosted payment processing platform that enables online businesses to accept gift cards from over 100 major US brands (Target, Best Buy, Walmart, Home Depot, Lowe's, etc.) as payment for digital goods, subscriptions, and account funding. The platform creates and hosts a payment form on PayGarden servers, validates gift card balances, processes transactions, and offers merchants a real-time transaction dashboard with CSV export.
Product overview
PayGarden is a single unified gift card payment service that allows businesses to accept major brand gift cards as payment for online transactions. The core platform consists of a hosted payment form (managed on PayGarden's servers), server postback integration for handling orders, and a real-time transaction dashboard with CSV export capabilities. There are no separate modules or add-ons; the offering is the PayGarden gift card payment service itself, which provides a complete payment acceptance solution including customer support, fraud protection (no chargeback fees), and privacy protection features.
Differentiator
Problem solved
Functional benefit
Products and services
- PayGarden Gift Card Payment Service A unified payment service that enables online businesses to accept gift cards from over 100 major US brands as payment for digital goods, subscriptions, and account funding. Includes a hosted payment form, gift card validation and balance reclamation, server postback for order handling, and a real-time transaction dashboard with CSV export. Used by over 1,000 online services including gaming companies such as Wargaming.net and Gaia Interactive.
Quantifiable outcome
- Setup time of less than 2 hours for merchant integration
- +1 more outcomes
Companies that use PayGarden
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
PayGarden technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
PayGarden partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- TechCrunchminorPayGarden was covered by TechCrunch in November 2013, providing press coverage and visibility for the alternative payments platform. This media coverage helped establish credibility in the early stages of the company's operations.
- Blackhawk NetworkcorePayGarden's co-founder Anson Tsai previously founded Cardpool, which was acquired by Blackhawk Network. Additionally, founder George Huo was an engineer at Cardpool (acquired by Blackhawk). This connection provides strategic ties to the gift card network infrastructure.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
PayGarden competitors and assessment
Company assessmentBroad incumbents
- InComm Payments: InComm is a leading payments technology company specializing in gift cards, prepaid products, and alternative payment solutions. It operates across the same gift card payment ecosystem as PayGarden but at much larger scale and broader scope.
- PaySafe: PaySafe is a global alternative payments provider offering cash-based and online payment solutions for underbanked consumers. It competes broadly with PayGarden in serving customers seeking alternatives to credit cards, though at much larger scale and with broader geographic reach.
- Blackhawk Network: Blackhawk Network is a major gift card network and payments company that owns Cardpool (PayGarden co-founder's prior company). It sits upstream in the gift card value chain and could be both a partner and potential competitor or acquirer of PayGarden.
Emerging players
- CryptoRefills: CryptoRefills enables consumers to pay for gift cards, mobile top-ups, and online services using cryptocurrency. It overlaps with PayGarden's gift card acceptance model for online merchants but adds a crypto payment angle.
- CoinCola: CoinCola is a peer-to-peer cryptocurrency exchange with a major gift card trading vertical. It serves users seeking to convert gift cards to crypto or cash, overlapping with PayGarden's gift card monetization use case but focused on crypto onramp.
- Paxful: Paxful is a peer-to-peer marketplace that includes a major gift card trading vertical, particularly popular for converting gift cards to cryptocurrency. It overlaps with PayGarden's gift card exchange functionality but adds a crypto onramp angle.
Direct peers
- Cardpool: Cardpool was founded by PayGarden co-founder Anson Tsai and was acquired by Blackhawk Network. It allows users to sell or trade gift cards for cash or other gift cards, making it a direct historical peer with strong lineage to PayGarden's founding team.
- CardCash: CardCash is one of the largest gift card exchange platforms, allowing consumers to sell unwanted gift cards and merchants to accept gift cards for payment. It directly competes with PayGarden in the gift card monetization and acceptance space.
- Gyft: Gyft was a mobile gift card platform acquired by First Data (now part of Fiserv) that enables digital gift card management and acceptance by merchants. It competes with PayGarden in the digital gift card payment acceptance space and has the backing of a major payments incumbent.
- Raise: Raise operates a gift card marketplace where users can buy, sell, and trade gift cards at discounted prices. It is a direct competitor in the gift card secondary market and payment space, serving both consumers with surplus balances and merchants seeking alternative payment rails.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PayGarden social profiles
Digital presencePayGarden financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayGarden leadership team
Management profileNumber of profiles
Profiles5 records
PayGarden funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayGarden 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 PayGarden
What does PayGarden do?
PayGarden provides a hosted payment processing platform that enables online businesses to accept gift cards from over 100 major US brands (Target, Best Buy, Walmart, Home Depot, Lowe's, etc.) as payment for digital goods, subscriptions, and account funding. The platform creates and hosts a payment form on PayGarden servers, validates gift card balances, processes transactions, and offers merchants a real-time transaction dashboard with CSV export.
Is PayGarden a public or private company?
PayGarden is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayGarden founded?
PayGarden was founded in 2013. It employs 11 to 50 people.
Where is PayGarden based?
PayGarden is headquartered in San Francisco, United States, in the North America region.
How does PayGarden make money?
One revenue line is on record: gift Card Transaction Fees.
Who are PayGarden's main competitors?
Broad incumbents on record are InComm Payments, PaySafe and Blackhawk Network. Emerging players are CryptoRefills, CoinCola and Paxful. Direct peers are Cardpool, CardCash, Gyft and Raise.
Does PayGarden have an API?
Yes. PayGarden offers an API for developers to integrate gift card payment processing. The API enables flexibility for configuring different campaigns and handling gift card transactions. A server postback mechanism handles incoming orders. The technical integration is described as easy to configure by customers.
What industry is PayGarden in?
PayGarden's product category is Payment Processing. Its primary akta.pro industry code is FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management), with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 522320 and its SIC code is 6199.