BillingTree
BillingTree, now operating under the REPAY brand following a June 2021 acquisition, provides integrated omni-channel payment processing solutions across 14+ verticals including Accounts Receivable Management and Credit Unions, monetizing via transaction fees through direct enterprise sales and an ISO/Payfac/software partner program.
- Company typePublic
- Founded2003
- HeadquartersPhoenix, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What BillingTree does
BillingTree, founded in 2003 and headquartered in Phoenix (with operations now consolidated at the parent REPAY's Atlanta office at 3060 Peachtree Rd NW, Suite 1100), is a payment technology company that provides integrated omni-channel payment processing solutions to organizations across more than 14 vertical markets, including Accounts Receivable Management (ARM), Credit Unions, Automotive, B2B, Consumer Finance, Education, Healthcare, Government, Mortgage, Hospitality, HOA, Financial Institutions, Field Services, Media & Political Ad Agencies, and Processing ISOs/Payfacs. Its platform enables 24/7 payment acceptance across online, text, mobile, and other channels, with purpose-built compliance features for regulated verticals such as debt collection. The company monetizes primarily through transaction-based fees on processed payment volume, with no publicly disclosed pricing tiers. Distribution occurs via a direct enterprise field-sales motion supplemented by a formal Partner Program through which software vendors, ISOs, and Payfacs embed REPAY payment processing within their own platforms via partner.repay.com.
The core product portfolio has expanded beyond core omni-channel payments and ARM solutions to include Payment Acceptance, Vendor Payment Automation, Clearing and Settlement, Instant Funding, and Messaging Management, increasing monetization per vertical. The company previously operated independently under private-equity sponsorship from Parthenon Capital Partners (2016) and acquired Internet Payment Exchange (IPX) in 2018 to broaden its payment technology footprint. On June 15, 2021, BillingTree was acquired by REPAY (legal entity M & A Ventures, LLC, an entity that operates an investor relations site at investors.repay.com), and the BillingTree brand has since been retired in favor of the REPAY identity. As of the latest source material, the company employs 101–250 people, serves the United States and Canada, and operates under leadership including CRO Chad Probst, CFO Bryan Schreiber, CCO & General Counsel Barton "Chip" Bright, and CIO Melissa Kirk. No certifications, AI capabilities, or standalone revenue figures are disclosed.
BillingTree firmographics
Firmographics- Name
- BillingTree
- Legal name
- M & A Ventures, LLC
- Website
- https://mybillingtree.com
- Company type
- Public
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- BillingTree, now operating under the REPAY brand following a June 2021 acquisition, provides integrated omni-channel payment processing solutions across 14+ verticals including Accounts Receivable Management and Credit Unions, monetizing via transaction fees through direct enterprise sales and an ISO/Payfac/software partner program.
- Ownership category
- akta.pro rank
BillingTree industry classification
Industry- Product category
- Payment Processing Technology
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where BillingTree is headquartered
LocationHeadquarters
- HQ city
- Phoenix
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
BillingTree 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 Services: Transaction-based payment processing services across omni-channel payment channels including online, text, and mobile payments
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
BillingTree product offering
Product offeringCore offering
BillingTree provides an integrated omni-channel payment technology platform that enables businesses and organizations to accept and process payments online, via text, mobile, and other channels. The platform offers vertical-specific payment solutions, with particularly strong offerings for the Accounts Receivable Management (ARM) industry and credit unions, including compliance features, vendor payment automation, clearing and settlement, instant funding, and messaging management capabilities.
Product overview
BillingTree, now operating under the REPAY brand, offers an integrated payment platform with multiple modules. The core portfolio includes Omni-channel Payments (online, text, mobile), Accounts Receivable Management (ARM-specific), Payment Acceptance, Vendor Payment Automation, Clearing and Settlement, Instant Funding, and Messaging Management. These solutions serve diverse industries including credit unions, automotive, B2B, consumer finance, healthcare, and government, unified by the ability to drive revenue, collect payments 24/7, improve customer experience, and maintain regulatory compliance.
Differentiator
Problem solved
Functional benefit
Products and services
- Omni-channel Payments Integrated payment solution enabling customers and members to pay via online, text, mobile and other convenient payment options, available 24/7. Designed for businesses and organizations across multiple verticals.
- Accounts Receivable Management Integrated payment technology solutions specifically built for the ARM (Accounts Receivable Management) industry to collect more payments and maintain regulatory compliance.
- Payment Acceptance Integrated payment solutions for businesses to accept and process payments across multiple channels.
- Vendor Payment Automation Solutions for automating vendor and supplier payment processes for businesses.
- Clearing and Settlement Payment clearing and settlement services for financial transactions.
- Instant Funding Immediate funding solutions for businesses to access funds quickly.
- Messaging Management Communication and messaging solutions integrated with payment processing.
- Credit Unions Self-serve, omni-channel payment technology for credit unions enabling members to pay when and how they prefer. Designed for credit union member experience enhancement.
Companies that use BillingTree
Customer profileSegments15 records
Ideal customer profiles4 records
BillingTree technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
BillingTree partnerships and signals
Strategic signalScale indicators2 records
Recent moves7 records
Expansion highlights5 records
BillingTree competitors and assessment
Company assessmentBroad incumbents
- Stripe: Major horizontal online payment processor serving businesses globally. Competes for payment acceptance volume but does not replicate BillingTree's ARM-specific compliance features or vertical bill pay UX.
- ACI Worldwide: Enterprise payment software vendor serving billers, financial institutions, and processors with real-time and electronic payment platforms. Broader incumbent offering bill pay as part of a much larger product suite.
- Square (Block): Large horizontal payment processor and broader commerce platform. Competes with BillingTree's general payment acceptance offerings but lacks BillingTree's vertical specialization.
- OpenEdge (Fiserv): Payments platform providing integrated payment processing for ISOs, software vendors, and vertical markets. Directly comparable channel and embedded distribution motion to BillingTree's ISO/Payfac partner program.
Direct peers
- Paymentus: Public bill payment software platform serving utilities, government, healthcare, and other verticals with omni-channel electronic bill presentment and payment. Closely comparable to BillingTree's vertical bill pay model and broad vertical footprint.
- InvoiceCloud: Electronic bill presentment and payment platform purpose-built for verticals such as insurance, utilities, and government. Direct peer given similar vertical bill pay positioning and channel-driven GTM.
- PayNearMe: Alternative payment network offering online, mobile, retail cash, and IVR payments for verticals including consumer finance, debt collection, and billers. Overlapping omni-channel payment solutions for ARM and credit-related verticals.
- Forte Payment Systems (CSG): Payment processing platform serving software companies, ISOs, and vertical markets with embedded payments. Comparable to BillingTree's partner-driven, embedded distribution model.
Emerging players
- Bill.com: Cloud-based AP/AR automation platform with embedded payments for SMBs and enterprises. Comparable AR focus for B2B and consumer payments, though the core market segment differs from BillingTree's vertical billers.
- Versapay: AR automation and B2B payments network. Comparable to BillingTree's vendor payment automation and B2B payment acceptance modules.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
BillingTree social profiles
Digital presenceBillingTree financial estimates
Financial estimateRevenue estimate
Valuation estimate
BillingTree leadership team
Management profileNumber of profiles
Profiles4 records
BillingTree funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BillingTree M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BillingTree
What does BillingTree do?
BillingTree provides an integrated omni-channel payment technology platform that enables businesses and organizations to accept and process payments online, via text, mobile, and other channels. The platform offers vertical-specific payment solutions, with particularly strong offerings for the Accounts Receivable Management (ARM) industry and credit unions, including compliance features, vendor payment automation, clearing and settlement, instant funding, and messaging management capabilities.
Is BillingTree a public or private company?
BillingTree is a public company. It is classified as corporate owned and is currently operating.
When was BillingTree founded?
BillingTree was founded in 2003. It employs 101 to 250 people.
Where is BillingTree based?
BillingTree is headquartered in Phoenix, United States, in the North America region.
How does BillingTree make money?
One revenue line is on record: payment Processing Services.
Who are BillingTree's main competitors?
Broad incumbents on record are Stripe, ACI Worldwide, Square (Block) and OpenEdge (Fiserv). Direct peers are Paymentus, InvoiceCloud, PayNearMe and Forte Payment Systems (CSG). Emerging players are Bill.com and Versapay.
Does BillingTree have an API?
No public API is recorded for BillingTree.
What industry is BillingTree in?
BillingTree's product category is Payment Processing Technology. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 522320 and its SIC code is 7320.