Vyze
Vyze is a private Austin-based fintech that provides retailers with technology solutions enabling them to offer broader payment and financing options to their end customers. Founded in 2008, it serves merchant clients in the retail sector.
- Company typePublic
- Founded2008
- HeadquartersAustin, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Vyze does
Across its operating history, Vyze has raised approximately $47.2 million in disclosed equity financing across five rounds (2008-2017), with a concentrated investor syndicate led by Austin Ventures and joined by StarVest Partners and Fathom Capital. The largest disclosed round was a $13.1 million Series 3 in August 2017 led by Austin Ventures. The customer base consists of retailer merchants, and Vyze's revenue model would logically rely on transaction- or subscription-based fees from facilitating these payment options, though specific revenue mechanics, pricing tiers, and named customer logos are not disclosed in the available source data.
Vyze firmographics
Firmographics- Name
- Vyze
- Legal name
- Ally Financial Inc.
- Website
- https://vyze.com
- Company type
- Public
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Vyze is a private Austin-based fintech that provides retailers with technology solutions enabling them to offer broader payment and financing options to their end customers. Founded in 2008, it serves merchant clients in the retail sector.
- Ownership category
- akta.pro rank
Vyze industry classification
Industry- Product category
- Point-of-Sale Consumer Financing Platform
- NAICS
- Sales Financing (52222), Sales Financing (522220), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Late Fee / Bill-Pay Advance Products (FSAKAMAM)
- akta.pro secondary industry
- QR Code & Alternative In-Store Acceptance (QR, APMs) (FSAMADAH)
Keywords
Where Vyze is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Markets served
Vyze business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Banking Services: Ally Bank offers deposit products including checking, savings, money market accounts, and CDs. Revenue generated through interest rate spreads on deposits and lending activities.
- Invest Services: Self-directed trading, robo portfolios, and personal advice/wealth management services. Revenue from trading commissions, advisory fees, and margin interest.
- Life Insurance: Term life insurance products offered through Ally + Ladder partnership
- Corporate Finance & Dealer Services: Business solutions including auto dealer financing and corporate finance services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Banking products with competitive interest rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Vyze product offering
Product offeringCore offering
Vyze provides a technology platform that enables retailers to offer their customers a broader range of payment options, including financing and credit solutions at the point of sale. The company serves as a financing marketplace/infrastructure layer connecting retailers with multiple lending sources so end consumers can access varied payment choices during purchase.
Differentiator
Problem solved
Functional benefit
Brands
- Ally Bank Spending Account: Spending account with no hidden fees, early direct deposit, and cash deposit at Walmart.
- Ally + Ladder
- Ally Invest Self-Directed Trading
- Ally Invest Robo Portfolios
- Ally Invest Personal Advice
Products and services
- Vyze Retailer Financing Platform
Quantifiable outcome
- Get paid up to 2 days sooner
Companies that use Vyze
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Vyze technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Vyze partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- InComm Financial ServicescoreInComm Financial Services provides VanillaDirect Pay service enabling Ally Bank customers to add cash at Walmart locations nationwide. California and New York operations licensed through InComm Financial Services Inc. (NMLS# 912772).
- Early Warning Services (Zelle)coreAlly Bank integrates Zelle for P2P payment services. Zelle and related marks are wholly owned by Early Warning Services LLC.
- Ladder Insurance ServicescoreAlly + Ladder partnership offers term life insurance products issued by multiple insurers. CA license # OK22568; AR license # 3000140372. Ladder Insurance Services, LLC offers term life insurance products.
- MastercardcoreAlly credit cards issued in partnership with Merrick Bank using Mastercard network. Mastercard and circles design are registered trademarks of Mastercard International Incorporated.
- Merrick BankcoreAlly credit cards are issued by Merrick Bank. Mastercard ID Theft Protection service provided by Iris Powered by Generali.
Scale indicators3 records
Recent moves1 record
Expansion highlights2 records
Vyze competitors and assessment
Company assessmentDirect peers
- Sezzle: Sezzle is a BNPL platform offering installment financing to consumers and merchant integrations at point of sale. It competes with Vyze in the same merchant financing category and targets similar mid-market retailers.
- ChargeAfter: ChargeAfter operates a multi-lender financing network embedded at retailer point-of-sale, very closely mirroring Vyze's aggregated financing marketplace model. Both serve merchants seeking the broadest possible approval rates across multiple lenders.
- Affirm: Affirm is a leading consumer financing and BNPL platform with direct merchant integrations at point of sale. While Affirm is single-lender rather than multi-lender, it competes for the same retailer financing partnerships that Vyze targets.
- Snap Finance: Snap Finance provides lease-to-own and installment financing solutions to retailers and consumers, including those with subprime credit. It competes with Vyze for retail merchant partnerships in the consumer financing category.
Broad incumbents
- Bread Financial: Bread Financial is an established provider of private-label credit cards and BNPL products for major retailers. As a broad incumbent, it offers similar financing solutions to Vyze's retail customers but with proprietary balance-sheet lending rather than a multi-lender aggregation model.
- Citizens Pay: Citizens Pay (formerly Concord Servicing, acquired by Citizens Financial Group) offers point-of-sale financing programs to retailers across multiple verticals. It is comparable to Vyze as a B2B financing provider but with a single-balance-sheet lender model and greater capital backing.
- PayPal Pay Later: PayPal Pay Later (including Pay in 4 and Pay Monthly) is an embedded BNPL offering within PayPal's massive merchant network. It competes with Vyze for retailer financing integrations but benefits from PayPal's distribution, brand, and balance-sheet scale.
- Klarna: Klarna is a large, well-capitalized BNPL and consumer financing provider with global retailer integrations. As a broad incumbent, Klarna competes in the same POS financing category but operates a single-balance-sheet model rather than Vyze's multi-lender marketplace.
- Block (Afterpay): Block (formerly Square) acquired Afterpay to offer BNPL at point of sale through its seller ecosystem. It competes with Vyze for retail merchant financing integrations but operates at vastly greater scale as part of a public payments platform.
Emerging players
- Splitit: Splitit offers installment payments on existing credit cards at point of sale, targeting merchants seeking BNPL without new credit underwriting. As an emerging player, it partially overlaps with Vyze's merchant financing value proposition.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Vyze social profiles
Digital presenceVyze financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vyze leadership team
Management profileNumber of profiles
Profiles1 record
Vyze subsidiaries and ownership
Company hierarchySubsidiaries5 records
Vyze funding detail
Funding detailFunding overview
Funding rounds5 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vyze 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 Vyze
What does Vyze do?
Vyze provides a technology platform that enables retailers to offer their customers a broader range of payment options, including financing and credit solutions at the point of sale. The company serves as a financing marketplace/infrastructure layer connecting retailers with multiple lending sources so end consumers can access varied payment choices during purchase.
Is Vyze a public or private company?
Vyze is a public company. It is classified as venture growth investor backed and is currently operating.
When was Vyze founded?
Vyze was founded in 2008. It employs 51 to 100 people.
Where is Vyze based?
Vyze is headquartered in Austin, United States, in the North America region.
How does Vyze make money?
Four revenue lines are on record. Banking Services are the primary driver. The others are invest Services, life Insurance and corporate Finance & Dealer Services.
Who are Vyze's main competitors?
Direct peers on record are Sezzle, ChargeAfter, Affirm and Snap Finance. Broad incumbents are Bread Financial, Citizens Pay, PayPal Pay Later, Klarna and Block (Afterpay). Splitit is listed as an emerging player.
Does Vyze have an API?
No public API is recorded for Vyze.
What industry is Vyze in?
Vyze's product category is Point-of-Sale Consumer Financing Platform. Its primary akta.pro industry code is FSAKAMAM, Late Fee / Bill-Pay Advance Products, with a secondary code of FSAMADAH, QR Code & Alternative In-Store Acceptance (QR, APMs). Its NAICS code is 52222 and its SIC code is 6141.