What Talus Payments does

Talus Payments (legal entity FPT Operating Company, LLC; dba Talus Pay) is a Dallas-based, Alvarez & Marsal Capital-backed Full-Service Provider (FSP) of payment processing services targeting small and mid-sized businesses, software companies, and reseller partners across the United States and Canada. The company serves over 22,000 merchants, processes more than $12 billion in annual charge volume across roughly 65 million transactions, and advertises a 99.99% uptime guarantee. Its vertical focus spans field and in-home services, B2B, restaurants and food service, healthcare, and retail, supported by an eight-DBA operating structure (Talus Pay, LTD Merchant Services, Granite Payment Alliance, Philadelphia Processing, City National Bank Merchant Services, Merchant Bank Partners, MSP Consulting, Talus Payments) and a multi-bank sponsor model anchored by Synovus, Citizens Bank N.A., Esquire Bank N.A., Elavon, and Fiserv Canada Ltd.

The product architecture centers on Talus Connect, a proprietary omnichannel payment gateway that supports in-store, e-commerce, mobile, subscription/recurring billing, e-invoicing, email/text-to-pay, batch processing, automatic account updater, and embedded software or mobile app payments through documented developer APIs. Complementary products include the SwipeSimple mobile card reader with EMV, NFC wallet support and offline mode; Integrated Payments with native QuickBooks Online sync that ties point-of-sale data to inventory, gratuities, employee shifts and recurring billing; the Mobile Business Toolkit app that turns a phone or desktop into a full operating suite; and value-added services spanning Talus Pay Advantage dual pricing, gift cards, and merchant cash advances. Talus differentiates through dedicated (non-pooled) merchant accounts, AI-driven fraud and chargeback monitoring with real-time alerts, and 24/7 U.S.-based support. In January 2026 Talus extended this stack through a tri-party partnership with Ingenico and Samsung Electronics America to launch a PCI MPoC-compliant SoftPOS tap-to-pay solution for the North American market.

Revenue is generated primarily through transaction-based fees on card processing, supplemented by subscription and recurring revenue from value-added services (gift cards, dual-pricing programs, merchant cash advances) and gateway/API licensing for software platforms embedding payments via Talus Connect. Pricing is quote-based and not publicly disclosed; models include interchange-plus and tiered structures with potential monthly minimums. Distribution is multi-channel: direct sales to merchants, a reseller and referral partner program with residuals, an ISV/embedded channel through Talus Connect, and banking channel partnerships. Growth has been a mix of organic product expansion and serial acquisitions, with documented deals including Prolific Business Solutions (2018), Jobox.ai (January 2024), and Clarus Merchant Services (January 2024).

Name

Talus Payments

Legal name

FPT Operating Company, LLC

Website

https://taluspay.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

251–500 employees

Short description

Talus Payments is a Dallas-based, Alvarez & Marsal Capital-backed Full-Service Provider of payment processing for SMBs, software companies, and resellers across North America, operating the proprietary Talus Connect omnichannel gateway and processing over $12 billion annually for 22,000+ merchants.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

Keywords

• Merchant payment processing
• Omnichannel payment gateway
• Embedded payments API
• POS integrated payments
• Mobile card reader solutions

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees charged to merchants for processing credit/debit card payments. Talus operates as a Full-Service Provider (FSP) handling merchant onboarding, gateways, POS equipment, developer tools, fraud detection, settlement, reporting, and support.
2. Value Added Services: Additional services including gift cards, merchant cash advances, dual pricing/cash discount programs (Talus Pay Advantage), and business optimization tools.
3. Gateway and API Services: Revenue from software companies embedding Talus Connect payment gateway into their applications, providing APIs and developer tools for omnichannel payment experiences.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Talus Payments is a Full-Service Provider (FSP) of merchant payment processing, operating its own proprietary Talus Connect omnichannel payment gateway to enable merchants, software companies (ISVs), and reseller partners to accept, integrate, and monetize payments across in-store, e-commerce, mobile, subscription/recurring, and embedded software channels. The company bundles dedicated merchant accounts, integrated POS, mobile card readers, SoftPOS Tap-to-Pay, fraud management, dual pricing programs, gift cards, and merchant cash advances under a single tech-driven infrastructure with U.S.-based 24/7 support.

Product overview

Talus Payments (also known as Talus Pay) is a Full-Service Provider (FSP) offering a brandable, end-to-end payment processing platform. The product portfolio centers on Talus Connect, the proprietary omnichannel payment gateway, supplemented by integrated payment solutions, the SwipeSimple mobile card reader for on-the-go businesses, the Mobile Business Toolkit app turning devices into complete business operating suites, and value-added services including Talus Pay Advantage (dual pricing), gift cards, merchant cash advance, and e-commerce integrations. The platform serves merchants, software companies, and reseller partners across industries including field services, B2B, restaurants, healthcare, and retail. The company processes over $12 billion annually for more than 22,000 merchant customers with 99.99% uptime guarantee.

Differentiator

Problem solved

Functional benefit

Brands

• Talus Connect: Proprietary payment gateway enabling omnichannel payments including in-store retail, e-commerce, mobile acceptance, subscription/recurring billing, e-invoicing, email/text-to-pay, batch processing, and embedded software/mobile app payments.
• SwipeSimple
• Talus Pay Advantage
• Clarus Merchant Services

Products and services

• Talus Connect Proprietary omnichannel payment gateway by Talus Payments enabling merchants, software companies, and reseller partners to accept payments across in-store retail, e-commerce, mobile, subscription/recurring billing, e-invoicing, email/text-to-pay, batch processing, automatic account updater, and embedded software/mobile app payments; sold as a standalone acquiring/embedded gateway offering.
• Mobile Business Toolkit Mobile application offered by Talus Payments that turns smartphones and tablets into a complete business operating suite with payments, operations, reporting, inventory management, invoicing, recurring payments, payment links, and a full desktop version; targeted at SMBs needing mobile-first operations.
• SwipeSimple Mobile Card Reader Compact mobile EMV chip card reader from Talus Payments with Apple Pay and Google Pay compatibility and offline mode that accepts payments without internet, sold to businesses on the move such as food trucks, landscapers, contractors, and field service technicians.
• Integrated Payments (POS-integrated) Cloud-based, Level I PCI-compliant payments offering integrated with point-of-sale systems from Talus Payments that connects payment acceptance to inventory tracking, account reconciliation, employee management, gratuities, and customer loyalty programs for retail and service businesses.
• Talus Pay Advantage (Dual Pricing Program) Dual pricing / cash discount program from Talus Payments that allows merchants to recoup the majority of their credit card processing costs by presenting customers with both a regular card price and a discounted cash price, with quick setup and no long-term contracts.
• Merchant Cash Advance Business financing offering from Talus Payments with no hidden fees and no closing costs that provides merchants with working capital for inventory, expansion, equipment purchases, or debt consolidation, repayable via a hassle-free application and repayment structure.
• Talus Gift Cards Gift card program from Talus Payments offering physical branded cards, text cards, or email cards that integrate with merchants' POS systems to drive brand visibility and customer loyalty.
• E-commerce Solutions E-commerce payment acceptance offering from Talus Payments featuring customizable shopping cart integrations, email/text-to-pay, payment links, and automatic account updaters for businesses selling online.
• Talus Connect Developer APIs Developer APIs and tools from Talus Payments enabling software companies and ISVs to embed Talus Connect payment gateway capabilities directly into their applications for frictionless onboarding, integrated merchant experiences, and new revenue streams.
• Ingenico / Samsung / Talus SoftPOS Mobile Business Solution SoftPOS Tap-to-Pay solution jointly delivered by Ingenico, Samsung, and Talus Payments that turns NFC-compatible Samsung Galaxy smartphones and tablets into full point-of-sale payment terminals with inventory, customer management, and real-time insights, compliant with PCI MPoC and Tap-to-Phone frameworks in North America.

Quantifiable outcome

• Process over $12 billion annually with 99.99% uptime
• +2 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• IngenicocoreTechnology or Integration · 12 January 2026Global leader in payment acceptance solutions partnering with Talus and Samsung to bring SoftPOS tap-to-pay capabilities to North America. Ingenico provides certified software-based payment technology that enables NFC-compatible devices to function as payment terminals under PCI MPoC and Tap-to-Phone frameworks.
• Samsung Electronics AmericacoreTechnology or Integration · 12 January 2026Trusted global technology leader providing NFC-compatible Galaxy smartphones and tablets for the mobile business operating solution. Samsung contributes device hardware, Knox mobile security platform, and B2B mobile solutions expertise to the partnership with Talus and Ingenico.
• Jobox.aisupportingTechnology or Integration · 4 January 2024Miami-based fintech company acquired by Talus Pay to expand B2B capabilities as part of the acquisition strategy.
• Clarus Merchant ServicessupportingTechnology or Integration · 4 January 2024Merchant services company acquired by Talus Pay to expand B2B payment processing capabilities and merchant customer base.
• Fiserv Canada Ltd.coreTechnology or IntegrationFPT Operating Company LLC operates as a registered Independent Sales Organization of Fiserv Canada Ltd. for Canadian payment processing operations.
• Elavon, Inc.supportingTechnology or IntegrationFPT Operating Company, LLC is a Registered MSP/ISO of Elavon, Inc. Georgia for payment processing services.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Fiserv: Fiserv is a global merchant acquiring and payments technology incumbent (Clover, Fiserv Canada) and is also a bank sponsor for Talus's Canadian operations — a direct upstream relationship and broad competitive overlap in SMB acquiring.
• Paysafe: Paysafe is a global payment solutions provider with SMB acquiring, integrated POS, and value-added services — broader geographic scope but overlapping product set in merchant services and VAS.
• FIS: FIS is a global financial technology and merchant processing incumbent offering acquiring, gateways, and embedded payment solutions across enterprise and SMB segments — broad overlap with Talus's full-service stack.
• Global Payments: Global Payments is a large public merchant acquirer and integrated payments provider with a broad portfolio overlapping Talus across SMB acquiring, gateways, and ISV enablement.

Direct peers

• Stripe: Stripe is a leading global payment processor serving SMBs, mid-market, and software platforms with API-first integrations — directly comparable to Talus Connect's API/embedded payments positioning toward ISVs and merchants.
• Block (Square): Block's Square ecosystem provides omnichannel payment processing, POS, and hardware (including mobile readers) for SMBs — directly comparable to Talus's SwipeSimple, Mobile Business Toolkit, and Talus Connect omnichannel stack.
• Heartland Payment Systems: Heartland is a large US ISO/MSP-style payment processor with multi-bank sponsorship, SMB/mid-market focus, and value-added services — closely mirroring Talus's full-service provider model and SMB vertical mix.
• Payment Depot: Payment Depot is a US ISO-style payment processor offering interchange-plus pricing and SMB-focused acquiring — closely comparable to Talus on transparent pricing and SMB merchant focus.
• Stax Payments (formerly Fattmerchant): Stax is a subscription-based payment processor targeting SMBs and ISVs with transparent pricing and integrated software tools — comparable to Talus on SMB focus, transparent pricing (Talus Pay Advantage), and ISV/embedded push.
• North American Bancard: North American Bancard is a US ISO/MSP offering merchant acquiring, POS, and online processing for SMBs, operating a comparable full-service provider model with multiple bank sponsor relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/taluspayments
• Facebookfacebook.com/taluspayments
• LinkedInlinkedin.com/company/taluspay

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A3 records

Investments

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

Frequently asked questions about Talus Payments