What Profituity does

Profituity is a private ACH payment processing and Nacha compliance platform headquartered in Wexford, Pennsylvania, founded in 2012 and operating as a registered Third-Party Processor since 1989. The company serves four distinct customer segments — merchants, ISVs and merchant service providers, financial institutions, and third-party processors — through a unified cloud platform that combines transaction processing with continuous compliance automation, exam-ready audit documentation, and real-time dashboards. Active membership in Nacha, EPCOR, and TPPPA anchors its regulatory positioning, and the firm holds Nacha Preferred Partner status for ACH enablement and NSF recovery.

The core product surface consists of Profituity Cloud, an ACH API for ISVs, the Profituity PlatformNext web portal, and Alice, an AI-powered compliance assistant for Nacha rules. The platform is built on modern cloud infrastructure and is positioned explicitly as a replacement for legacy ACH systems that have accreted compliance workarounds over time. Distribution runs through two motions: an API-first, self-service channel with revenue share for ISVs (30+ integrated partners including Gym Assistant and RTO Pro), and direct enterprise sales into financial institutions and third-party processors.

Monetization combines a $10 monthly platform fee, $0.25 per ACH transaction, $1.95 per return, and $15 unauthorized-return fees for merchant customers, with ISV revenue share on partner-driven volume and volume-tier discounts above $5,000 in transactions. Enterprise FI and TPP pricing is contractual and not publicly disclosed. As of the latest available data, the platform processes $80.1 trillion in cumulative ACH volume across 31.5 billion transactions and serves more than 3,500 merchants.

Name

Profituity

Website

https://profituity.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Profituity is an ACH payment processing and Nacha compliance platform serving merchants, ISVs, financial institutions, and third-party processors through cloud infrastructure, embedded API integrations, and AI-powered compliance tools.

Ownership category

akta.pro rank

Product category

ACH Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Finance Services (6199)

akta.pro primary industry

NACHA Compliance, Audit & Risk Management (FSAMAGAJ)

akta.pro secondary industries

ACH Operator & Clearinghouse Services (FSAMAGAA), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), ACH Returns, Exceptions & Dispute Management (FSAMAGAI)

Keywords

• ACH payment processing
• Nacha compliance management
• Payment processing API
• Third-party processor services
• Merchant payment services

Headquarters

HQ city

Wexford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Per-transaction fees charged for processing ACH payments. Gym Assistant pricing: $0.25 per transaction. Additional volume discounts available for higher transaction volumes.
2. Monthly Platform Subscription: Monthly subscription fee for platform access. Gym Assistant pricing: $10.00 per month base fee.
3. Return Fee Processing: Fees charged for ACH returns and unauthorized return handling. Gym Assistant: $1.95 per return, $15 for unauthorized returns.
4. ISV Revenue Share: Revenue share arrangements with ISVs and merchant service providers offering integrated ACH processing through their platforms. Clear, fair economics designed for long-term partnerships.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Profituity operates a cloud-based ACH (Automated Clearing House) payment processing and Nacha compliance platform under the Profituity Cloud brand. The company processes ACH transactions, automates Nacha compliance management, generates audit-ready documentation continuously, and exposes an ACH processing API for software platforms and ISVs. It serves four customer segments—merchants, ISVs/merchant service providers, financial institutions, and third-party processors—through a mix of API integrations, software partnerships, and direct enterprise sales.

Product overview

Profituity is a unified ACH payment processing and compliance platform founded in 2012, operating as a registered Third-Party Processor since 1989. The core offering centers on Profituity Cloud for compliance management and audit readiness, complemented by an ACH API for ISVs and platforms. The company serves four distinct customer segments—merchants, ISVs and merchant service providers, financial institutions, and third-party processors—through integrated software partnerships with Gym Assistant and RTO Pro. Additional offerings include the Profituity PlatformNext web portal for account management and white-label processing solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Profituity PlatformNext: Cloud-based ACH processing platform for merchants and processors.

Products and services

• Profituity Cloud Cloud-based ACH processing and compliance platform providing compliance management, audit-ready documentation generation, real-time dashboards, and scalable infrastructure for third-party processors and financial institutions.
• ACH Payment Processing Core ACH transaction processing service handling payment collection, return handling, and Nacha compliance for merchants (gyms, storage facilities, rental businesses), financial institutions, and third-party processors.
• ACH Payment Processing API for ISVs and Platforms Developer-facing ACH processing API with full documentation, production-mirrored sandbox environment, and direct engineering support, enabling ISVs and merchant service providers to embed ACH processing into their software with a revenue share model.
• Profituity PlatformNext Web-based operational portal providing login access for applicants, merchants, and partners to manage ACH payment processing, accounts, and compliance operations.

Quantifiable outcome

• 80.1 trillion processed across 31.5 billion transactions
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Gym AssistantcoreTechnology or IntegrationGym Assistant is a gym management software platform integrated with Profituity's ACH payment processing. Merchants using Gym Assistant can easily add ACH payments through a simple 3-step application process with transparent pricing ($10/month, $0.25/transaction, $1.95/return, $15 unauthorized return).
• RTO ProcoreTechnology or IntegrationRTO Pro is rent-to-own software with integrated Profituity ACH payment processing. Streamlined integration with transparent pricing and a 3-step process to get merchants up and running. Volume discounts available for transactions $5,000+ with additional 0.75% discount.
• EPCORminorOthersEPCOR is the ACH payments industry association. Profituity is an active member of organizations that shape ACH policy.
• TPPPAminorOthersThird-Party Payment Processors Association. Profituity is an active member supporting industry standards and policy development.
• NachaminorOthersNacha is the ACH rules authority. Profituity maintains active membership in the organization that sets ACH rules and standards.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Profituity