What MiCamp Solutions does

MiCamp Solutions is a privately held payment processing company founded in October 2006 by Micah Kinsler and headquartered in Scottsdale, Arizona. The company operates as the #1 Independent Sales Organization (ISO) of Fiserv nationally and is a member of Fiserv's Chairman's Circle, leveraging Fiserv's processing infrastructure while layering proprietary processing rails and partner-facing technology on top. MiCamp serves more than 60,000 merchants across the United States, primarily in independent retail, restaurants, hospitality, gaming, non-profit, and high-risk merchant segments, and processes in excess of $75 billion in annual payment volume.

The company's product portfolio centers on four pillars: core payment processing (card-present, card-not-present, and high-risk), WAVit (a zero-percent cash-discount processing platform that charges merchants a fixed monthly fee for unlimited processing), MiPOS (a customizable enterprise-grade POS system with no long-term contracts), and an ISV Developer Options program for embedded and white-label payment integrations into third-party software. Additional offerings include a MiCamp Sports program that donates a percentage of processing profits to collegiate NIL collectives and athletic programs, and a Mergers & Acquisitions service for portfolio acquisitions. Technology is delivered through proprietary processing rails, terminal integrations, and a network of more than 600 ISO partner resellers, with PCIDSS-aligned compliance and CCPA-compliant data handling.

MiCamp generates revenue primarily through transaction fees on processed payments, recurring subscription fees (WAVit, mobile app at $19.95/month), equipment/terminal sales, M&A professional services, and portfolio acquisition economics. Distribution combines a 600+ ISO partner network, an internal direct sales team targeting enterprise accounts, self-service website onboarding, and embedded ISV integrations with vertical SaaS partners (e.g., STX Software, Orbis Payments, Vibe Retail). The company is founder-led, employs more than 150 professionals across the U.S., and has been recognized on the Inc. 5000 list for seven consecutive years (2019–2025).

Name

MiCamp Solutions

Legal name

MiCamp Solutions, LLC

Website

https://micamp.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

MiCamp Solutions is a privately held payment processing company and Fiserv's #1 ISO nationally, serving 60,000+ U.S. SMB merchants across retail, hospitality, gaming, and high-risk categories with proprietary processing rails, WAVit zero-percent processing, and MiPOS solutions.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Intermediation and Related Activities (522)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industry

Merchant Acquiring & Processing Platforms (BPAMAFAB)

Keywords

• Merchant payment processing
• Credit card processing
• Point of sale systems
• Cash discount processing
• High-risk merchant services

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Credit card and debit card transaction processing services with secure electronic payment options. Revenue generated from transaction fees on processed payments.
2. Merchant Services: Software for processing secure electronic payment transactions on behalf of non-profit entities and high-risk businesses.
3. Equipment Sales: Downloadable computer software for processing financial transactions and electronic payment terminals.
4. WAVit Cash Discount Program: Fixed monthly pricing for unlimited processing under cash discount program model.
5. Mergers & Acquisitions Services: Acquisition of merchant portfolios to add accounts and provide leverage in pricing negotiations with Fiserv.
6. App Licensing: Monthly subscription for mobile app with first month free, then $19.95/month for payment processing application.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

MiCamp Solutions provides merchant payment processing services, including credit and debit card transaction processing, a proprietary zero-percent WAVit cash discount platform, an enterprise-grade MiPOS point-of-sale system, ISV developer payment integration tools, and high-risk merchant account services. The company serves more than 60,000 merchants across retail, restaurant, hospitality, sports, and non-profit verticals in the United States as an elite ISO of Fiserv.

Product overview

MiCamp Solutions is a payment technology provider offering a portfolio of integrated products and services for merchants across retail, hospitality, sports, and higher education. The core offering centers on Payment Processing (card-present, card-not-present, and high-risk categories), complemented by WAVit (a zero-percent cash discount processing platform) and MiPOS (enterprise-grade POS system). Additional offerings include ISV Developer Options for custom payment software, MiCamp Sports for NIL/athletic fundraising programs, and Mergers & Acquisitions services for portfolio acquisitions. The company serves as an elite ISO of Fiserv with over 60,000 merchants and processes over $75 billion annually.

Differentiator

Problem solved

Functional benefit

Brands

• MiCamp Sports: A sports-focused program where merchants who use MiCamp Solutions for credit card processing can donate a percentage of profits to their school's NIL or athletic program at no additional cost.
• WAVit
• MiPOS

Products and services

• Payment Processing Credit card and debit card transaction processing services featuring secure electronic payment options, covering card-present, card-not-present, and high-risk merchant categories. Targets retailers, restaurants, hospitality, sports, and non-profit merchants in the United States.
• WAVit Zero-Percent Processing Cash-discount payment platform that allows merchants to eliminate credit card processing fees by paying a fixed monthly subscription for unlimited processing and incentivizing cash/debit payments. Legal in all states; has saved businesses nearly $1 billion cumulatively.
• MiPOS Point-of-Sale System Enterprise-grade, customizable point-of-sale system with no long-term contracts and no restrictive lock-ins; MiCamp covers equipment costs. Built for merchants seeking flexible POS hardware options.
• ISV Developer Options Customized payment integration program for Independent Software Vendors, providing tailored payment solutions that integrate seamlessly into vertical business models with flexibility and control.
• MiCamp Sports Sports-specific payment and fundraising program that donates a percentage of processing profits to university NIL and athletic programs, partnering with over 70 universities including Boise State, Penn State, Arizona State, Kansas State, and Pitt.
• Mergers & Acquisitions Services Acquisition services for merchant processing portfolios, adding accounts and providing leverage in pricing negotiations with Fiserv through a structured four-step process.

Quantifiable outcome

• WAVit has saved businesses nearly $1 billion in processing costs
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

21 partnerships are on record, tiered core, flagship and minor.

• Vibe RetailcoreStrategic or Co-development Partner · 27 April 2026Strategic partnership to expand modern point-of-sale technology for independent retailers. Aims to provide enhanced POS solutions to the independent retail market segment.
• Boise State AthleticsflagshipGTM or Marketing Partner · 14 July 2025Partnership through MiCamp Sports offering Bronco Nation access to financial services (credit card processing) with proceeds supporting Bronco student-athletes and athletic programs via NIL/BroncoPRO.
• Orbis PaymentscoreStrategic or Co-development Partner · 3 June 2025Strategic partnership uniting MiCamp's cutting-edge technology platform (integrated ISV tools, real-time analytics, advanced POS solutions) with Orbis Payments' strong national merchant network. Collaboration on go-to-market strategies, co-branded service offerings, and joint community engagement efforts.
• STX SoftwarecoreTechnology or Integration · 23 April 2025Strategic alliance to deliver fully embedded payment solution for salon and spa management. MiCamp's secure payment technology integrated directly into STX system, enabling appointment booking, service selection, and payment within single platform.
• Boise State UniversityflagshipGTM or Marketing PartnerMiCamp Sports flagship partnership supporting Boise State athletic programs. Donates percentage of processing profits to school's NIL or athletic program at no additional cost to merchants.
• Western Michigan UniversitycoreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting Bronco athletic programs.
• Penn State UniversitycoreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting athletic programs.
• Fresno State UniversitycoreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting athletic programs.
• Arizona State UniversitycoreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting athletic programs.
• University of ArizonacoreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting athletic programs.
• Kansas State UniversitycoreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting athletic programs.
• University of Pittsburgh (Pitt)coreGTM or Marketing PartnerUniversity partnership through MiCamp Sports supporting athletic programs.
• 70+ Additional Universities, NIL Collectives, and Sports ProgramsminorGTM or Marketing PartnerAdditional university and sports organization partnerships through MiCamp Sports program.
• Paul Lee RacingminorGTM or Marketing PartnerNHRA sponsorship of Paul Lee Racing nitro funny car team. Entrepreneur Paul Lee is a MiCamp customer.
• FiservflagshipTechnology or IntegrationElite Independent Sales Organization (ISO) and Chairman's Circle member of Fiserv. #1 Fiserv ISO nationally. Leverages Fiserv processing infrastructure and proprietary processing rails.
• Merrick BankcoreOthersRegistered ISO/MSP of Merrick Bank, South Jordan, UT
• North American Banking CompanycoreOthersRegistered ISO/MSP of North American Banking Company, Roseville, MN
• Citizens Bank, N.A.coreOthersRegistered ISO/MSP of Citizens Bank, N.A., Providence, RI
• Wells Fargo Bank, N.A.coreOthersRegistered ISO/MSP of Wells Fargo Bank, N.A., Concord, CA
• Evolve Bank & TrustcoreOthersHigh-risk processing partner - Evolve Bank & Trust provides high-risk processing services
• Metropolitan Commercial BankcoreOthersHigh-risk processing partner - Metropolitan Commercial Bank provides high-risk processing services

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Helcim: Payment processor offering transparent interchange-plus pricing and integrated POS solutions for small and mid-sized merchants. Comparable to MiCamp as an SMB-focused processor emphasizing cost transparency over legacy ISO pricing.
• Stax Payments: Subscription-based payment processing platform targeting SMBs with flat monthly pricing — directly competitive with MiCamp's WAVit zero-percent subscription model. Both compete for ISV partners and embedded payment integrations in vertical SaaS.
• Payment Depot: Subscription-based merchant processing provider targeting SMBs with interchange-plus pricing models. Direct competitor to MiCamp in the cost-conscious SMB payment processing segment.
• North American Bancard: Large independent sales organization (ISO) and payment processor offering merchant processing services, POS solutions, and cash discount programs to SMBs across the US. Closely comparable to MiCamp as a fellow top-tier ISO with multi-vertical merchant focus and similar product breadth.

Broad incumbents

• Toast: Restaurant-focused POS and payments platform combining software and processing for hospitality merchants. Comparable to MiCamp's hospitality segment and represents the integrated-payments benchmark that MiCamp's MiPOS and WAVit products compete against.
• Square (Block): Vertically integrated payments and software platform serving millions of SMBs with hardware, POS, and merchant processing. A broad incumbent competing with MiCamp for the same independent retailer and restaurant merchants but at materially greater scale and brand recognition.
• Stripe: Global payments infrastructure platform with strong SMB and ISV/embedded payments traction. Comparable to MiCamp on ISV developer solutions and embedded payments, though serving primarily online/digital-first merchants versus MiCamp's brick-and-mortar SMB base.
• Clover (Fiserv): Fiserv-owned SMB POS and merchant services platform distributed through the same ISO channel MiCamp leverages. Direct internal competitor to MiCamp within the Fiserv ecosystem for merchant processing and POS hardware sales.
• PayPal (Braintree): Global digital payments company with merchant acquiring through Braintree and PayPal Checkout. Comparable to MiCamp on merchant processing and ISV integrations, though serving a different end-merchant mix (more online, less retail/restaurant).

Emerging players

• Lightspeed Commerce: POS and commerce platform serving retail and restaurant SMBs with integrated payments. Comparable to MiCamp's MiPOS plus processing model, though more software-led and serving slightly larger merchants.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/micampnews
• YouTubeyoutube.com/channel/UCFdVpfMl7kGfkdiIhZTugsg
• Facebookfacebook.com/MiCampMerchantServices
• LinkedInlinkedin.com/company/micamp-merchant-services
• Instagraminstagram.com/micampsolutions

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds4 records

Investors

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

M&A1 record

Investments

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

Frequently asked questions about MiCamp Solutions