What Point & Pay does

Point & Pay, LLC is a U.S.-based payment-processing software company that specializes exclusively in serving government agencies and government-adjacent organizations. Founded in 1999 and headquartered in Oldsmar, Florida, the company operates as a subsidiary of NorthAB, LLC, a Michigan-incorporated conglomerate. Point & Pay claims over 20 years of operational experience, more than 5,000 government-related clients, and millions of completed transactions. Its primary customers are municipal, county, and state agencies that require payment processing for property taxes, utilities, court fines, permits and licensing, parking citations, recreation fees, and B2B transactions, with secondary exposure to nonprofit organizations and utility providers.

The company's core product is a cloud-based, multi-channel payment platform composed of 12 integrated modules: online, in-person, IVR (phone), mobile-optimized, Text/SMS (Text2Pay), ACH/check, Open Banking, bill presentment, eBilling, recurring/scheduled payments, software integration, and reporting/analytics. The architecture emphasizes mobile-first design, PCI DSS compliance, audited redundancy, and pre-built integrations with dominant government software platforms including Tyler Technologies, BS&A Software, and Springbrook, which reduces implementation time for agencies running those core systems.

Point & Pay generates revenue through a Merchant Processing Agreement model, charging government clients per-transaction fees on payments processed across its channels. The company employs 51-100 people and sells exclusively to U.S. customers via an enterprise field-sales motion that combines a 'Request a Demo' funnel on its website with consultative direct engagement through [email protected]. No public pricing tiers are disclosed, and revenue, funding, and ownership-percentage data are not publicly available.

Name

Point & Pay

Legal name

Point and Pay, LLC

Website

https://pointandpay.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

Point & Pay is a U.S.-based cloud payment-processing software company serving over 5,000 government agencies and organizations across tax, utility, court, permit, and parking verticals with multi-channel payment acceptance and government-software integrations.

Ownership category

akta.pro rank

Product category

Government Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Utility & Municipal Billing Platforms (FSAMAJAG)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Biller Direct EBPP Platforms (FSAMAJAA), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

Keywords

• Government payment processing
• Bill payment software
• Online payment platform
• Government billing solutions
• Municipal payment software

Headquarters

HQ city

Oldsmar

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based payment processing fees charged to government agencies for processing payments through online, in-person, IVR, mobile, and other channels. The company operates under a Merchant Processing Agreement with clients, indicating a per-transaction fee structure typical of payment processors serving government entities.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Point & Pay provides a cloud-based payment processing platform purpose-built for government agencies to accept citizen payments across multiple channels (online, in-person, IVR, mobile, SMS/text, Open Banking, and ACH/check). The platform includes bill presentment, eBilling, recurring payment scheduling, real-time reconciliation reporting, and pre-built integrations with major government software systems (Tyler Technologies, BS&A Software, springbrook). It is sold under Merchant Processing Agreements with transaction-based pricing, primarily to municipal, county, and state agencies collecting taxes, utilities, court fees, permits, parking citations, and related government revenue.

Product overview

Point & Pay is a payment software platform designed specifically for government agencies and organizations. The platform offers a unified suite of 12 integrated payment modules covering online, mobile, in-person, IVR, and SMS payment channels. The core offering includes bill presentment and eBilling capabilities paired with recurring payment scheduling, check processing via ACH, and open banking support. All modules are designed for compliance with government transaction requirements and integrate with existing agency software systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Point & Pay Government Payment Platform

Quantifiable outcome

• Over 5000 government-related clients served with millions of transactions completed
• +2 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature12 records

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• PayIt: PayIt is a direct competitor offering government-focused digital payment and citizen-services platforms for state and local agencies, including bill pay, tax, and court payments. Highly comparable in customer base, product surface, and government compliance positioning.
• Invoice Cloud: Invoice Cloud provides electronic bill presentment and payment (EBPP) solutions targeted at government, utility, and insurance billers. Closest functional peer to Point & Pay in the biller-direct EBPP space, with overlapping government and utility verticals.
• Paymentus: Paymentus is an EBPP platform serving utilities, municipalities, and government agencies with online, mobile, IVR, and agent-assisted payment channels. Comparable as a multi-channel bill pay platform targeting the same government and utility customer base.
• Kubra Data Transfer: Kubra (formerly Kubra Data Transfer) provides bill presentment, payment processing, and customer engagement solutions for utilities and government entities. Direct competitor in municipal and utility EBPP with similar regulatory and compliance requirements.
• Granicus: Granicus (which acquired PayIt) provides government experience and payment technology, including citizen bill pay for utilities, courts, and taxes. Competes directly with Point & Pay in the government digital services and payments category.
• VertexOne: VertexOne delivers customer information and billing/payment solutions for utilities and municipal government. Comparable as a vertical-specific EBPP and CIS+payments vendor serving the same utility and government segments.

Broad incumbents

• ACI Payments (Official Payments): ACI Payments, formerly Official Payments Corp., processes government tax, fee, and utility payments for federal, state, and local agencies. A larger incumbent with overlapping government bill pay capabilities, owned by ACI Worldwide.
• Tyler Technologies (NIC): Tyler Technologies acquired NIC Inc., which provides government eGovernment services including online payment processing for state and local agencies. Comparable as a software-driven payment provider, with potential to also be a partner (Point & Pay integrates with Tyler).
• PayPal Government Services: PayPal and Braintree offer general-purpose payment processing accepted by some government agencies for taxes and fees. A larger incumbent competing in adjacent government payment flows, particularly for state-level tax payments.

Regional players

• AccessPay: AccessPay provides corporate payment automation including B2B bill pay. While focused on corporate rather than government, it overlaps in the broader bill pay / EBPP platform space relevant to Point & Pay's B2B segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/pointandpayllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Point & Pay