What SensePass does

SensePass is a New York-based payment orchestration platform founded in 2017 that positions itself as a processor-agnostic gateway connecting 100+ payment methods, 50+ card processors, and 30+ POS, ERP, and e-commerce platforms through a single API integration. Its core technology is a payment orchestration layer built around an agnostic token vault that decouples payment token storage from any specific processor, enabling merchants to switch processors, route transactions via least-cost logic, and run parallel processing without re-tokenizing customer cards. The platform supports PCI DSS Level 1 compliance through iFrame-based card capture and tokenization, and offers SDKs, Postman collections, and a sandbox for developer self-onboarding, alongside no-code ERP plugins for Microsoft Dynamics 365 and Oracle NetSuite.

The customer base spans multi-location retail (KITH, RMH), organizations running Microsoft Dynamics 365 (including the largest Dynamics 365 customer globally operating in 100+ countries), Oracle NetSuite and SAP users, non-profits using DAFpay, and enterprises requiring omnichannel POS, e-commerce, call center, and self-checkout coverage. The product portfolio includes a payment gateway, virtual terminal, pay-by-link, tap-to-pay NFC tags, surcharging, subscriptions, and ERP/AR connectors, with add-on suite integrations for BNPL (Klarna, Afterpay, Affirm, WeGetFinancing), open banking (Trustly), digital wallets (PayPal, Venmo, Apple Pay, Google Pay), and local payment methods (UPI, PIX, Alipay, WeChat Pay).

SensePass generates revenue through transaction-based take-rate fees (0.1% on credit card volume, 0.2% on alternative payment methods) plus a per-location SaaS subscription fee, distributed via direct enterprise sales, self-serve developer onboarding, and a partner API for resellers and ISVs. The company has raised $3M to date across two funding events (2019 Tenity, 2022 Menara Ventures-led round). SensePass maintains PCI DSS Level 1, SOC 2 Type II, and ISO 27001 compliance certifications and has received 2026 industry recognition from USA Today, Barchart, and Financial Content as a leading payment orchestration platform.

Name

SensePass

Legal name

SensePass

Website

https://sensepass.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

SensePass is a payment orchestration platform that connects 100+ payment methods, 50+ card processors, and 30+ POS/ERP platforms through a single API, serving multi-location retailers, Dynamics 365 and NetSuite enterprise users, and non-profits with a processor-agnostic token vault.

Ownership category

akta.pro rank

Product category

Payment Orchestration

NAICS

Activities Related to Credit Intermediation (5223)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

Keywords

• Payment orchestration platform
• Omnichannel payment gateway
• Credit card processing
• POS payment integration
• ERP payment connector

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Percentage-based fees charged on payment transactions. 0.1% fee for credit card processing and 0.2% for alternative payment methods (digital wallets, BNPL, crypto). These are take-rate fees on transaction volume.
2. SaaS Platform Subscription: Small SaaS fee that varies based on location count. Covers access to the payment orchestration platform, dashboard, API access, and support. Combined with transaction fees to form the pricing structure.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

SensePass operates a processor-agnostic payment orchestration platform and gateway that connects 50+ card processors, 100+ digital wallets, BNPL providers, and cryptocurrency methods to 30+ POS, ERP, and e-commerce platforms through a single API integration. The platform enables merchants to accept any payment method across in-store, online, mobile, call center, and self-checkout channels while supporting least-cost routing, token portability, and processor switching without re-tokenization.

Product overview

SensePass is an omnichannel payment orchestration platform and gateway that provides a unified payment hub for retailers. The core offering is the Payment Gateway, which connects to 100+ digital wallets, 50+ credit card processors, multiple BNPL providers, and cryptocurrency payment options through a single API. The platform offers vertical-specific solutions for Retail, Mobile POS, In-Store, Self-Checkout, and Call Centers, complemented by add-on modules including Virtual Payment Terminal, ERP Payment Connector, Pay-By-Link, Tap-and-Pay, Surcharging, Subscriptions, and Accounts Receivable automation. Dedicated platform integrations target Microsoft Dynamics 365 and Oracle NetSuite with pre-built connectors. Developers access the platform through Transaction API and Partner API, supported by JavaScript UI SDK, Elements SDK, and Express SDK. The platform supports in-store POS, e-commerce, mobile, call center, and self-checkout channels through processor-agnostic architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Gateway Next-generation omnichannel payment gateway that connects to 100+ digital wallets, credit card processors, BNPL solutions, and cryptocurrency payment methods for retailers and enterprises across in-store POS, e-commerce, mobile, call center, and self-checkout channels.
• Virtual Payment Terminal Browser-based virtual terminal for accepting card-not-present payments via phone, email, or link, enabling secure payment capture without dedicated hardware.
• ERP Payment Connector Integration layer connecting payment processing to ERP systems including Oracle NetSuite, Microsoft Dynamics 365, and SAP, with payment links embedded in invoices and automatic transaction reconciliation.
• Pay-By-Link Payment link generation for sending via SMS, email, or messaging platforms, enabling recipients to complete secure payment with their preferred method.
• Tap-and-Pay NFC-based contactless payment solution using SensePass tags that allow customers to tap phones and pay without app downloads or expensive EMV terminals, working with any smartphone.
• Surcharging Credit card surcharge implementation for POS and ERP platforms at the gateway level, enabling compliant surcharge recovery without platform modification or developer engagement.
• Subscriptions Subscription management solution supporting flexible billing models, automatic renewals, pre-orders, prorated billing, customer portal, and integration with digital wallets and BNPL providers.
• Retail Solution Omnichannel retail payment solution unifying in-store POS and online transactions, supporting 100+ payment methods including digital wallets, BNPL, and multiple credit card processors.
• Mobile POS Mobile point-of-sale solution for in-store selling, line-busting, and curbside payments, enabling full POS functionality on mobile devices.
• In-Store Solution In-store payment solution connecting digital wallets and payment methods to physical POS systems, bridging the gap between online and offline payment options.
• Self-Checkout Self-service checkout and kiosk payment solution enabling inclusive, cost-effective payments without bulky hardware or restricted payment options.
• Call Center Payments Payment solution for call center order-taking with secure pay-by-link transactions sent to customer phones, streamlining payments and minimizing errors.
• Field Services Payments Payment solution for field service operations enabling secure payment capture at customer locations.
• ERP Accounts Receivable Accounts receivable automation for ERP systems that embeds payment links in invoices, automates reconciliation, and supports multiple payment methods.

Quantifiable outcome

• 30% reduction in annual processing fees through ACH and open banking integration
• +6 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration133 records

AI capability1 record

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• WeGetFinancingcoreTechnology or Integration · 13 August 2024BNPL financing partnership integrating WeGetFinancing's network of competitive lenders into SensePass's digital wallet technology for in-store retail environments. Enables merchants to offer financing plans up to $15,000 with terms up to 60 months and instant approval. Integration embeds directly into 30+ point-of-sale systems including Oracle, Xstore, and Microsoft Dynamics. Claims 30% increase in ticket size and 40% increase in conversion rate for merchants.
• DAFpaycoreTechnology or IntegrationDonor-Advised Fund payment partnership enabling DAF giving across SensePass-connected platforms. One API connection integrates DAFpay into 50+ platforms including Oracle NetSuite, Dynamics 365, SAP, Business Central, NCR, Aptos, Shopify POS, LightSpeed, WooCommerce, Magento, and Jotform. Targets non-profit and religious organization customers with $326B+ DAF assets in the U.S. market. No app downloads or additional hardware required.
• Salora ERPcoreTechnology or IntegrationPartnership integrating SensePass Payment Orchestration Layer directly into Oracle NetSuite, enabling businesses to connect to multiple global payment processors while supporting BNPL, digital wallets, and cryptocurrency. Finance teams can reduce processing costs, eliminate processor lock-in, and maintain ERP integrity across customer touchpoints. Transforms payments from back-office workaround into strategic first-class financial workflow within NetSuite.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Primer: Primer is a payment orchestration platform that lets merchants route transactions across multiple processors and PSPs through a unified API, enabling failover, least-cost routing, and processor portability — directly comparable to SensePass's core value proposition.
• Spreedly: Spreedly provides a payment orchestration and tokenization layer that allows merchants to connect to multiple gateways and PSPs through a single integration with a vault-agnostic token, directly comparable to SensePass's agnostic token vault and orchestration architecture.
• Gr4vy: Gr4vy is a cloud-based payment orchestration platform that enables merchants to deploy, optimize, and scale payment infrastructure across multiple processors — closely aligned with SensePass's enterprise retail and ERP-focused orchestration play.
• Cellpoint Digital: Cellpoint Digital offers a payment orchestration and routing platform for merchants across travel, retail, and other verticals, enabling multi-acquirer connectivity and intelligent transaction routing — comparable to SensePass's enterprise-focused orchestration capabilities.
• Solidgate: Solidgate provides a payment orchestration and routing platform with multi-acquirer connectivity and fraud prevention, targeting digital and enterprise merchants with a similar processor-agnostic value proposition.
• Akurateco: Akurateco offers a white-label payment orchestration platform with multi-PSP connectivity, smart routing, and tokenization for merchants and acquirers — directly comparable to SensePass's orchestration layer and processor-agnostic token vault.

Broad incumbents

• Stripe: Stripe is a global payment platform with native processing, broad payment-method coverage, and growing POS/ERP integration capabilities. It competes with SensePass for enterprise merchant relationships and is increasingly bundling orchestration features that overlap with SensePass's value proposition.
• Adyen: Adyen is a global unified commerce payments platform with direct acquiring, omnichannel processing, and ERP/POS integrations. It serves enterprise retailers with capabilities that overlap with SensePass's positioning but at significantly greater scale.
• Checkout.com: Checkout.com is a global payment processor offering unified acquiring, fraud prevention, and an expanding orchestration toolkit for enterprise merchants — competing with SensePass in enterprise commerce and ERP-integrated payment deployments.
• Worldpay (FIS): Worldpay is a large global payment processor with acquiring, gateway, and ERP/POS integrations serving enterprise merchants. Its breadth of processor relationships and enterprise sales motion make it a broad incumbent in the same category as SensePass.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors4 records

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 SensePass