REGO Payment Architectures
REGO Payment Architectures is a publicly traded fintech (OTCQB: RPMT) that licenses a white-label family financial lifecycle platform — youth banking and senior financial management — to U.S. banks and credit unions via Jack Henry core and digital banking integrations.
- Company typePublic
- Founded2008
- HeadquartersHermosa Beach, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What REGO Payment Architectures does
REGO Payment Architectures, Inc. is a Pennsylvania-incorporated, publicly traded financial technology company (OTCQB: RPMT) operating under the Mazoola service mark. Founded in 2008, the company developed COPPA-compliant payment technology for parents and pivoted in 2020 toward a fully white-labeled banking solutions platform serving financial institutions. Its core offering is a family financial lifecycle platform delivered exclusively through banks and credit unions as an embedded or stand-alone white-labeled experience, with two primary products: a Youth Banking product for children ages 5-17 enabling earn/spend/save/donate/fractional-invest under parental controls, and a Senior Financial Management (SFM) product launched March 31, 2025 that provides caregivers and fiduciaries with cross-institution visibility, bill-payment reminders, fraud detection via a proprietary Protection Score, and cash flow projections.
The underlying technology stack is built on COPPA and GDPR-compliant infrastructure certified through PRIVO (Kids Privacy Assured and GDPRkids programs), with multiple awarded patents covering age verification, parent-child account controls, goal-based savings tools, and parental contribution matching. REGO integrates with Jack Henry's Symitar core banking platform via SymXchange and with the Banno Digital Platform via the Banno Digital Toolkit APIs, and uses Bangor Savings Bank (Member FDIC) as its banking-services provider for FDIC-insured deposits and Mastercard debit issuance. Certifications include COPPA Safe Harbor, GDPRkids Privacy Assured, and ADA compliance for visual disabilities; the company also holds a 2015 PayBefore 'Best in Class' award.
REGO's business model is B2B white-label platform licensing to U.S. financial institutions, with quote-based annual subscription pricing determined through enterprise sales. Go-to-market combines direct enterprise field sales led by Head of Sales & Channel Partnerships James Peil with channel partnerships through Jack Henry (Symitar and Banno), Bangor Savings Bank for banking services, and Aambé Financial for tribal-nations distribution. Named flagship deployments include Camden National Bank (Family Wallet, December 2025) and Cornerstone Community Financial Credit Union (GenGrow Family Wallet, April 2026); the senior-management team includes CEO and founder Peter S. Pelullo, CFO Joe Toczydlowski (joined 2022), CMO Pawan Murthy (joined 2023), CTO Mark Vanderbeek, and Head of Product & Operations Steven Kravit. The company is also publicly traded on OTCQB with a headquarters at 325 Sentry Parkway, Suite 200, Blue Bell, PA 19422.
REGO Payment Architectures firmographics
Firmographics- Name
- REGO Payment Architectures
- Legal name
- Rego Payment Architectures, Inc.
- Website
- https://regopayments.com
- Company type
- Public
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- REGO Payment Architectures is a publicly traded fintech (OTCQB: RPMT) that licenses a white-label family financial lifecycle platform — youth banking and senior financial management — to U.S. banks and credit unions via Jack Henry core and digital banking integrations.
- Ownership category
- akta.pro rank
REGO Payment Architectures industry classification
Industry- Product category
- White-label Family Banking Software
- akta.pro primary industry
- Privacy, Consent & Data Governance Compliance (GDPR/CCPA, data lineage) (FSAGAFAI)
- akta.pro secondary industries
- Regulatory Compliance Management (RegTech) (BPAEAPAB), Youth/Student Neobanks (FSABAFAD)
Keywords
Where REGO Payment Architectures is headquartered
LocationHeadquarters
- HQ city
- Hermosa Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
REGO Payment Architectures business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- White-Label Platform Licensing: REGO provides its certified COPPA and GDPR-compliant family digital wallet platform to financial institutions as a white-labeled solution. Financial institutions license the platform to offer youth banking and senior financial management products under their own brand. The platform can be deployed as a standalone application or fully integrated into existing digital banking apps. This creates recurring licensing revenue from banks and credit unions seeking to serve multi-generational families.
- Banking Services Partnership Revenue: Partnership with Bangor Savings Bank provides banking services infrastructure (debit cards, deposit accounts, payment processing) that enables REGO's platform to function. Financial institutions using REGO's platform drive deposits and transaction volume through Bangor Savings Bank's services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise white-label platform for financial institutions |
| Subscription | Annual | Family wallet platform (youth banking) |
| Subscription | Annual | Senior Financial Management product |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
REGO Payment Architectures product offering
Product offeringCore offering
REGO provides a white-label, COPPA and GDPR-compliant family financial lifecycle platform to banks and credit unions. The platform enables financial institutions to offer branded youth banking (ages 5-17) and senior financial management products with parental controls, age verification, goal-based savings, and fraud detection capabilities. Banking services infrastructure is provided through a partnership with Bangor Savings Bank (Member FDIC).
Product overview
REGO Payment Architectures operates as a white-label family financial lifecycle solutions platform providing financial institutions with a suite of integrated products. The core offerings consist of the Youth Banking Product enabling children (ages 5-17) to earn, spend, save, donate, and invest under parental oversight, and the Senior Financial Management (SFM) Product protecting seniors from fraud while giving caretakers visibility into their financial activity. A planned Small Business (Non-FI) Purchase Product would expand reach beyond financial institutions. These products are offered under the Mazoola sub-brand as white-labeled stand-alone applications or fully integrated into existing financial institution platforms. The company also enables partner-branded implementations such as GenGrow Family Wallet and Camden National Bank's Family Wallet.
Differentiator
Problem solved
Functional benefit
Brands
- Mazoola®: Family digital wallet service offered by Rego Payment Architectures, Inc., providing youth banking and family financial management tools.
Products and services
- Youth Banking Product (Mazoola) A fully white-labeled youth banking solution enabling financial institutions to offer a branded experience where parents can track and manage their children's financial activity. Children can earn, spend, save, donate, and invest fractionally, all while keeping deposits within the bank or credit union. Offered under the Mazoola sub-brand with FDIC-insured deposits and Mastercard debit cards provided by Bangor Savings Bank.
- Senior Financial Management (SFM) Product A white-labeled banking solution that protects seniors from financial fraud while giving caretakers and fiduciaries real-time visibility into their loved ones' financial activity, even across different institutions. Features include comprehensive account visibility across checking, savings, credit cards, and investment accounts, bill payment reminders, spending variance alerts, transaction monitoring, fraud detection with Protection Score, and cash flow projections.
Quantifiable outcome
- 40% of Americans with parents over 60 are involved in daily management of parents' finances
- +3 more outcomes
Companies that use REGO Payment Architectures
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
REGO Payment Architectures technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
REGO Payment Architectures partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship, core and minor.
- Cornerstone Community Financial Credit UnionflagshipCornerstone Community Financial Credit Union launched GenGrow Family Wallet, powered by REGO. The platform enables families to introduce children to financial concepts through a secure, parent-controlled experience integrated within Cornerstone's existing digital banking platform. Cornerstone serves members across Michigan and Ohio.
- Camden National BankflagshipCamden National Bank launched Family Wallet, a free youth banking platform powered by REGO. The partnership enables families across Northern New England to access secure, parent-controlled digital banking for children ages 5-17. Camden National Bank serves approximately $7 billion in assets with 72 banking centers in Maine and New Hampshire.
- Aambe FinancialcoreStrategic partnership to bring REGO's generational banking tools to tribal nations across the United States. Aambe Financial, a Native-led organization dedicated to economic empowerment, will introduce youth banking, elder financial care, and fractional investing offerings to tribal governments, enterprises, and families. Initial focus on youth banking product, with future phases covering senior financial management and fractional investing.
- Jack Henry & AssociatescoreREGO joined Jack Henry's Vendor Integration Program (VIP) to integrate with Symitar core banking platform via SymXchange API. The integration enables credit unions on Symitar to easily deploy REGO's white-labeled youth banking and senior financial management products. VIP provides REGO with direct access to Jack Henry's technical resources and test systems.
- Jack Henry & Associates (Banno)coreREGO embedded its technology into Jack Henry's Banno Digital Platform using the Banno Digital Toolkit APIs. This enables community and regional financial institutions to access REGO's white-labeled youth banking solution through Jack Henry's digital banking ecosystem of over 1,000 fintechs.
- Bangor Savings BankcoreBangor Savings Bank serves as REGO's banking services provider, offering FDIC-insured deposits, Mastercard debit cards, and payment processing infrastructure. This enables banks and credit unions to offer youth banking experiences exclusively under their own brand while Bangor Savings Bank handles the banking infrastructure.
- Dr. Lisa Strohman (Digital Citizen Academy)minorDr. Lisa Strohman serves as REGO's Global Advisor for Youth Digital Protection. As a clinical psychologist, attorney, and founder of Digital Citizen Academy, she provides expertise on child digital safety, age assurance standards, parental governance, and ethical AI policies. Her appointment reflects REGO's commitment to building technology that prioritizes child safety and privacy.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
REGO Payment Architectures competitors and assessment
Company assessmentBroad incumbents
- nCino: nCino is a cloud banking platform serving financial institutions with digital account opening, lending, and customer engagement. It competes for FI digital wallet budget and could bundle family-lifecycle features into its platform.
- Temenos: Temenos provides core banking and digital banking software to banks and credit unions globally. It represents the broader incumbent category of digital banking platform vendors that REGO must integrate with — and could compete with.
- Jack Henry & Associates: Jack Henry is REGO's core distribution partner via Symitar/SymXchange and Banno. As a broad incumbent in core and digital banking software, Jack Henry could in theory build competing family-lifecycle features natively, displacing REGO within its own ecosystem.
Direct peers
- Step: Step provides a teen and family banking app with parental controls and financial literacy features — the same core use case REGO enables for FIs via white-label. Step's B2B initiatives position it as a competing platform partner to community banks and credit unions.
- Current: Current offers a mobile banking platform with teen sub-accounts, parental controls, and family financial management — directly comparable to REGO's youth banking functionality. Current for Business targets banks and fintechs, competing with REGO's channel model.
- Greenlight: Greenlight offers a youth and family debit-card and financial literacy platform serving the same end-users as REGO's youth banking product. It has launched a 'Greenlight for Banks' B2B offering that directly competes with REGO's white-label model.
- Copper: Copper provides youth and teen banking with parental oversight, financial education content, and an FDIC-insured debit product. It competes for the same family banking wallet that REGO enables via FI partners.
- FamZoo: FamZoo is a family finance platform offering prepaid cards, parental controls, allowance automation, and financial literacy tools. It targets families directly with overlapping feature set to REGO's youth banking product.
Emerging players
- EverSafe: EverSafe specializes in elder financial fraud detection and caregiver oversight — the same use case as REGO's Senior Financial Management product. It serves a comparable niche with a more fraud-monitoring-focused feature set.
- TrueLink Financial: TrueLink Financial provides financial oversight and protection products for seniors and vulnerable adults, including prepaid cards with spending controls. It overlaps with REGO's SFM product on caregiver visibility and fraud prevention.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
REGO Payment Architectures social profiles
Digital presenceREGO Payment Architectures compliance and trust
Trust signalCompliance4 records
REGO Payment Architectures financial estimates
Financial estimateRevenue estimate
Valuation estimate
REGO Payment Architectures leadership team
Management profileNumber of profiles
Profiles8 records
REGO Payment Architectures funding detail
Funding detailFunding overview
Funding rounds10 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
REGO Payment Architectures 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 REGO Payment Architectures
What does REGO Payment Architectures do?
REGO provides a white-label, COPPA and GDPR-compliant family financial lifecycle platform to banks and credit unions. The platform enables financial institutions to offer branded youth banking (ages 5-17) and senior financial management products with parental controls, age verification, goal-based savings, and fraud detection capabilities. Banking services infrastructure is provided through a partnership with Bangor Savings Bank (Member FDIC).
Is REGO Payment Architectures a public or private company?
REGO Payment Architectures is a public company. It is classified as public and is currently operating.
When was REGO Payment Architectures founded?
REGO Payment Architectures was founded in 2008. It employs 11 to 50 people.
Where is REGO Payment Architectures based?
REGO Payment Architectures is headquartered in Hermosa Beach, United States, in the North America region.
How does REGO Payment Architectures make money?
Two revenue lines are on record. White-Label Platform Licensing is the primary driver. The others are banking Services Partnership Revenue.
Who are REGO Payment Architectures's main competitors?
Broad incumbents on record are nCino, Temenos and Jack Henry & Associates. Direct peers are Step, Current, Greenlight, Copper and FamZoo. Emerging players are EverSafe and TrueLink Financial.
Does REGO Payment Architectures have an API?
No public API is recorded for REGO Payment Architectures.
What industry is REGO Payment Architectures in?
REGO Payment Architectures's product category is White-label Family Banking Software. Its primary akta.pro industry code is FSAGAFAI, Privacy, Consent & Data Governance Compliance (GDPR/CCPA, data lineage), with a secondary code of BPAEAPAB, Regulatory Compliance Management (RegTech).