Paymentwall
Paymentwall is a bootstrapped global payments platform providing a single API for credit card processing and 150+ local payment methods across 200+ countries, serving 200,000+ merchants in gaming, e-commerce, SaaS, travel, and enterprise verticals.
- Company typePrivate
- Founded2009
- HeadquartersSan Francisco, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Paymentwall does
Paymentwall, Inc. is a bootstrapped global payments platform founded in 2009 in San Francisco, operating without external venture capital funding. The company provides a single API integration giving merchants access to over 150 local payment methods — including e-wallets, bank transfers, prepaid cards, and cash options — across 200+ countries and 75+ currencies, alongside global credit/debit card processing. Its core products are organized around three engines: Brick (card processing with local acquiring and a proprietary Waterfall Algorithm for dynamic transaction routing), PayAlto (local alternative payment methods), and Gateway/SpiderPipe (a unified gateway consolidating multiple merchant accounts such as PayPal, Skrill, and Amazon Checkout into one integration). Complementary modules include eInvoicing, Passport for risk management, KYC, and dispute resolution, and Subscriptions for recurring billing; the company also operates Terminal3, a wholly-owned gaming-focused sub-brand spun out in 2018.
The platform serves over 200,000 merchants and 350 million paid users, with marquee enterprise logos spanning video games (SEGA, Tencent, Wargaming, Bandai Namco, Pearl Abyss), SaaS (Corel), travel (Zizoo, Kigo), luxury (Bottega Veneta), and electronics (LG Electronics). Revenue is generated through transaction-based payment processing fees, subscription fees for merchant accounts and value-added services, currency conversion and cross-border fees, and managed risk/compliance services. Distribution combines a sales-led enterprise motion with API-first self-serve onboarding, ready-made plugins for Shopify, WooCommerce, and Magento, and channel partnerships including Market8 and FasterPay. The company operates 16 offices across North America, Europe, Asia, Africa, and Latin America with 24/7 support in 30+ languages, holds FCA and FinCEN licensure, and maintains PCI DSS Level 1 architecture.
Paymentwall firmographics
Firmographics- Name
- Paymentwall
- Legal name
- Paymentwall, Inc.
- Website
- https://paymentwall.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Paymentwall is a bootstrapped global payments platform providing a single API for credit card processing and 150+ local payment methods across 200+ countries, serving 200,000+ merchants in gaming, e-commerce, SaaS, travel, and enterprise verticals.
- Ownership category
- akta.pro rank
Paymentwall industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payment Orchestration Platforms (FSAGABAA)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payment Gateways & API Connectivity (FSAGABAB), Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where Paymentwall is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices16 records
Markets served
Paymentwall business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Fees: Transaction-based fees charged on each payment processed through the platform. Revenue share model where merchants receive Total Net Revenue (gross revenues less Paymentwall's revenue share and associated fees)
- Subscription Services: Monthly account fees for maintaining merchant accounts, with additional charges for services like SpiderPipe Advanced including 24/7 support, dispute resolution, risk management and account optimization
- Currency Conversion Services: Fees for currency conversion and foreign exchange services, plus charges for cross-border transactions
- Risk and Compliance Services: Revenue from risk management, dispute resolution, and compliance services including chargeback handling and PCI DSS compliance support
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Custom pricing based on merchant profile, transaction volume, and risk profile |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels5 records
Paymentwall product offering
Product offeringCore offering
Paymentwall is a global payments platform that enables merchants to accept 150+ local payment methods and credit/debit card payments across 200+ countries through a single unified API integration. The platform combines credit card processing (Brick), local payment methods (PayAlto), a multi-merchant-account gateway (SpiderPipe), risk and KYC operations (Passport), subscription billing, and e-invoicing. It serves 200,000+ merchants including digital game publishers, e-commerce retailers, travel platforms, SaaS providers, and enterprises with 75+ currency processing and 24/7 multilingual support.
Product overview
Paymentwall is a global payments platform organized as a platform-plus-modules architecture. Its core product suite consists of Brick (global credit card processing), PayAlto (local payment methods covering 150+ alternatives in 200 countries), and Gateway/SpiderPipe (unified multi-merchant-account gateway), which were recently integrated into a single unified platform. These are complemented by eInvoicing (digital invoice management), Passport (risk management and KYC), and Subscriptions (recurring billing) as modular add-on services. An additional sub-brand, Terminal3, serves the video game industry with specialized game storefront and compliance features. The platform serves over 200,000 merchants and reaches customers in 200+ countries.
Differentiator
Problem solved
Functional benefit
Brands
- Brick: Global credit card processing platform for processing credit and debit card payments worldwide
- PayAlto
- Gateway (SpiderPipe)
- eInvoicing
- Passport
- Subscriptions
- Terminal3
- Mobiamo
- MINT
- Offerwall
Products and services
- Brick – Global Credit Card Processing
Quantifiable outcome
- 78% chargeback win rate in digital transactions over 10 years
- +4 more outcomes
Companies that use Paymentwall
Customer profileNamed customers13 records
Segments5 records
Ideal customer profiles5 records
Paymentwall technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability2 records
Feature5 records
Paymentwall partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and supporting.
- Market8coreStrategic cooperation enabling Paymentwall to offer white-label store building capabilities. Market8 partnership allows merchants to build customizable and scalable online stores integrated with Paymentwall's payment infrastructure.
- FasterPaycorePartnership enabling Paymentwall to offer virtual card issuance through FasterPay's technology. Provides travel merchants and customers with digital cards offering greater control and oversight of spend.
- AvalarasupportingThird-party tax service providing VAT rate calculations for merchants processing transactions in select territories. Avalara AvaTax integration enables automatic VAT compliance reporting within Paymentwall Admin Area.
- Pearl AbysscoreTerminal3 partnership with Pearl Abyss enables gamers to purchase in-game currency (Acoins) using cards, bank transfers, cash-based payments, and local payment methods. Partnership provides millions of gamers access to localized payment options.
Scale indicators11 records
Recent moves7 records
Expansion highlights5 records
Paymentwall competitors and assessment
Company assessmentDirect peers
- Paddle: Paddle is a merchant of record for SaaS and digital goods, handling global tax, subscription billing and local payment methods — closely mirrors Paymentwall's Subscriptions, eInvoicing and global SaaS positioning.
- Checkout.com: Checkout.com provides unified global payment processing with local acquiring, APMs and risk services via a single API — a direct competitor to Paymentwall's Brick + PayAlto + SpiderPipe stack.
- Stripe: Stripe Payments is a global payment gateway and orchestration platform offering card processing and an expanding catalog of local payment methods via a single API — directly competing with Paymentwall for cross-border digital merchants.
- 2Checkout (Verifone): 2Checkout (now part of Verifone) is a global merchant of record / digital payments platform covering 200+ markets with subscription and localized payment options — directly comparable to Paymentwall's global digital goods offering.
- dLocal: dLocal specializes in connecting global merchants to 600+ local payment methods across emerging markets in LATAM, Africa and Asia — a close peer to Paymentwall's PayAlto APM coverage and emerging-markets focus.
- Adyen: Adyen is a global payments platform providing unified card processing, local payment methods and dynamic acquirer routing for enterprise merchants — a direct competitor in payment orchestration and cross-border gateway services.
Broad incumbents
- Worldpay: Worldpay is a large incumbent global acquirer/processor with multi-currency, APM and gateway capabilities — competes with Paymentwall for enterprise card processing and cross-border volume.
- PayPal: PayPal operates Braintree and broader checkout/payment solutions used by global digital merchants — overlaps with Paymentwall's gateway and APM orchestration for enterprise accounts.
Regional players
- Razorpay: Razorpay is an India-focused payment gateway with expanding international APM support — a regional peer relevant for comparison in emerging-markets payment orchestration, especially South Asia where Paymentwall also operates.
Emerging players
- Mollie: Mollie provides a multi-method payment gateway across Europe with expanding global APM coverage — comparable to Paymentwall's gateway/PayAlto stack for SMB and mid-market merchants.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Paymentwall social profiles
Digital presencePaymentwall compliance and trust
Trust signalCompliance5 records
Paymentwall financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paymentwall leadership team
Management profileNumber of profiles
Profiles3 records
Paymentwall subsidiaries and ownership
Company hierarchySubsidiaries1 record
Paymentwall funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paymentwall 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 Paymentwall
What does Paymentwall do?
Paymentwall is a global payments platform that enables merchants to accept 150+ local payment methods and credit/debit card payments across 200+ countries through a single unified API integration. The platform combines credit card processing (Brick), local payment methods (PayAlto), a multi-merchant-account gateway (SpiderPipe), risk and KYC operations (Passport), subscription billing, and e-invoicing. It serves 200,000+ merchants including digital game publishers, e-commerce retailers, travel platforms, SaaS providers, and enterprises with 75+ currency processing and 24/7 multilingual support.
Is Paymentwall a public or private company?
Paymentwall is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Paymentwall founded?
Paymentwall was founded in 2009. It employs 101 to 250 people.
Where is Paymentwall based?
Paymentwall is headquartered in San Francisco, United States, in the North America region.
How does Paymentwall make money?
Four revenue lines are on record. Payment Processing Fees are the primary driver. The others are subscription Services, currency Conversion Services and risk and Compliance Services.
Who are Paymentwall's main competitors?
Direct peers on record are Paddle, Checkout.com, Stripe, 2Checkout (Verifone), dLocal and Adyen. Broad incumbents are Worldpay and PayPal. Razorpay is listed as a regional player. Mollie is listed as an emerging player.
Does Paymentwall have an API?
Yes. Paymentwall provides a public-facing API for server-to-server integration (Brick API) and a customizable Checkout API, accessible via docs.paymentwall.com and docs.paymentwall.com/apis. The API enables merchants to integrate credit card processing, alternative payment methods, and checkout flows directly into their applications. Plugins and integrations are available for Shopify, WooCommerce, Magento, Xero, Blesta, aMember, and Cubilis. Developer documentation is at docs.paymentwall.com.
What industry is Paymentwall in?
Paymentwall's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 522320 and its SIC code is 6199.