What Apriva does

Apriva is a privately held, US-based (Phoenix, Arizona) technology company founded in 1999, operating two distinct business units under Apriva, LLC. Apriva Payments is an omnichannel payment gateway and processor-agnostic platform supporting credit/debit, mobile wallets, campus cards, military ID cards, closed-loop, biometric, and card-not-present tokenized payments across the United States, Canada, the United Kingdom, and Mexico. The platform is PCI Level 1 Service Provider certified, one of the few independently audited P2PE certified gateways, and is distributed through direct enterprise sales, a 1,100+ reseller/ISO/MSP channel, self-service web portals (Merchant Studio, Partner Studio, Integrator Studio), and API/SDK integrations reaching 30+ North American processors and certified devices from PAX, Castles, Ingenico, CPI, Payter, Miura, and others.

Apriva ISS is a separate NSA Commercial Solutions for Classified (CSfC) Trusted Integrator business (since 2015) providing NIAP-certified secure mobile communications products, including the MESA VPN, MESA Enterprise and Tactical Gateways, MESA Command & Control Suite, and Apriva Guard PKI/CAC authentication (FIPS 140-2 Level 3, HSPD-12 compliant). ISS customers include the US Department of Defense, NSA, and the broader Intelligence Community, with the MESA Gateway supporting up to 1 million active subscribers in its enterprise edition.

Apriva monetizes through transaction fees on processed payments (now operating as a payment facilitator via its 10+ year J.P. Morgan partnership), wholesale self-service processing rates for unattended retail, gateway/subscription fees, professional services for ISS and integrator customers, and hardware sales of EMV-certified terminals. The company holds over a dozen granted patents with 70+ pending and is owned/managed internally with David Riddiford as President. No institutional investor or parent company is disclosed in available source material.

Name

Apriva

Legal name

Apriva, LLC

Website

http://www.apriva.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

Apriva operates two units: Apriva Payments, a PCI Level 1, P2PE-certified omnichannel payment gateway serving merchants, ISOs, and ISVs across the US, Canada, UK, and Mexico via 1,100+ resellers and 30+ processors; and Apriva ISS, an NSA CSfC Trusted Integrator providing NIAP-certified secure mobile communications to the DoD, NSA, and Intelligence Community.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

General-Purpose Credit Card Schemes (FSAMAAAA)

akta.pro secondary industry

Travel Money Cards & Multi-Currency Prepaid (FSAMANAI)

Keywords

• Payment gateway services
• Mobile payment processing
• Secure mobile communications
• Government cybersecurity solutions
• Unattended payment solutions

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing & Transaction Fees: Transaction-based fees from processing credit/debit card payments, mobile wallets, and other payment methods through the Apriva payment gateway. Core revenue driver for both attended and unattended payment environments.
2. Wholesale Self-Service Payment Processing: Wholesale payment processing for vending, parking, kiosks, micro-markets, and other self-service operators with no markup on processing fees. Two-tier pricing model with multi-vend capabilities and interchange optimization.
3. Platform/Subscription Fees: Gateway platform fees for access to payment processing, Merchant Studio dashboard, and associated tools. Billing based on service tier and usage.
4. Professional Services: Customization, integration, and customer care services. Includes integration services for ISVs, white-labeling mobile payment apps, and custom reporting.
5. Hardware Sales: Sale of EMV-certified payment devices (card readers, terminals) and accessories from manufacturers including PAX, Castles, Ingenico, CPI, Payter, and others.
6. Payment Facilitation (PayFac): Revenue from payment facilitation services enabled by J.P. Morgan partnership. Apriva owns end-to-end customer experience as a payment facilitator, bundling merchant acquirer services.
7. Value-Added Services: Additional revenue from card tokenization, biometric payments, campus card acceptance, dual pricing (cash discount/convenience fee), and 4G connectivity services.

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core offering

Apriva operates two divisions: Apriva Payments provides an end-to-end omnichannel payment gateway and processing platform supporting credit/debit, mobile wallets, campus cards, military cards, and closed-loop payments across attended and unattended environments, with APIs/SDKs for ISV integration. Apriva ISS provides NSA CSfC Trusted Integrator secure mobile communications products (MESA VPN, MESA Gateway, MESA CCS, Apriva Guard) and professional services for federal government, Department of Defense, and Intelligence Community customers requiring classified network access.

Product overview

Apriva operates two distinct business units: Apriva Payments and Apriva ISS. Apriva Payments is a FinTech company offering a unified omnichannel payment platform comprising the Apriva Payment Gateway (core), AprivaPay Any Way and AprivaPay Mobile (mobile payment apps), AprivaPay Register (countertop), AprivaPay Self-Service (unattended/vending), Apriva Secure 4G (wireless connectivity), Virtual Terminal and Merchant Studio (management tools), Apriva BackOffice/PartnerStudio (reseller portal), Apriva Integration Services (developer SDKs/APIs), Apriva Partner Hub (partner resources), and a range of certified payment devices. Apriva ISS provides government-grade mobile security products built around the MESA (Mobile Environment Security Architecture) family: MESA VPN (NIAP-certified VPN foundation), MESA Gateway (CSfC-compliant infrastructure in Enterprise and Tactical editions), MESA Command & Control Suite (administrative monitoring), and Apriva Guard (PKI/CAC authentication with FIPS 140-2 Level 3 encryption). All ISS products are NSA CSfC Trusted Integrator offerings vetted by the NSA.

Differentiator

Problem solved

Functional benefit

Brands

• AprivaPay: Mobile payment application for Apple, Android, and Amazon devices enabling mobile POS functionality
• Apriva Payment Gateway
• MESA VPN
• MESA Gateway
• MESA Command & Control Suite (CCS)
• Apriva Guard
• Apriva Guard CAC Reader
• Merchant Studio
• Partner Hub
• Integration Studio
• MESA Tactical Gateway
• Apriva CSPWare

Products and services

• Apriva Payment Gateway Apriva's core omnichannel payment gateway providing secure transaction processing for credit, debit, mobile wallets, campus cards, military cards, and card-not-present tokenization. Supports U.S., Canada, U.K., and Mexico markets with 99.99% uptime and P2PE certification.
• AprivaPay Any Way

Quantifiable outcome

• 42% average revenue increase for self-service operators adding cashless payments
• +3 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration33 records

AI capability4 records

Feature10 records

Partnerships

25 partnerships are on record, tiered core.

• AT&TcoreTechnology or IntegrationAT&T partnership enables mobile payment applications on smartphones for small business POS solutions. Partnership dates to 2010 for introducing mobile applications on smartphones.
• Major U.S. and Canada CarrierscoreTechnology or IntegrationPartnerships with largest carriers in U.S. and Canada enable 4G SIM card connectivity for payment devices, providing secure wireless payment acceptance independent of WiFi.
• Chase Paymentech (Tandem)coreTechnology or IntegrationChase Paymentech processing platform enabling payment processing through Apriva gateway. Supports U.S. and Canada transactions.
• First Data Merchant Solutions (FDMS)coreTechnology or IntegrationFDMS platforms (Atlanta, Nashville ISO Dual, North, Omaha) integrated with Apriva gateway for payment processing.
• FiservcoreTechnology or IntegrationFiserv processing platform integrated with Apriva gateway for payment processing.
• Global PaymentscoreTechnology or IntegrationGlobal Payments (including GSAP, Global East ISO, Portico platforms) integrated with Apriva gateway for payment processing.
• Heartland (Portico)coreTechnology or IntegrationHeartland Portico processing platforms (Portico Exchange, Portico GP CA, Portico GP UK) integrated with Apriva gateway.
• TSYScoreTechnology or IntegrationTSYS processing platform (Sierra) integrated with Apriva gateway. AprivaPay mobile app available in PAX store through TSYS.
• Elavon (ViaConex)coreTechnology or IntegrationElavon ViaConex processing platform for U.S. and Canada integrated with Apriva gateway.
• WorldpaycoreTechnology or IntegrationWorldpay processing platform integrated with Apriva gateway for payment processing.
• Visa (Visa Platform Connect)coreTechnology or IntegrationVisa Platform Connect processing platform integrated with Apriva gateway.
• CBORDcoreTechnology or IntegrationCBORD campus card platforms (CBORD Ugyrd, CBORD GET, CBORD OneTap) integrated with Apriva for campus card payment acceptance on 500+ campuses.
• TouchnetcoreTechnology or IntegrationTouchnet One Card platform integrated with Apriva for campus card and institutional payment acceptance.
• Atrium HSC / Atrium Campus ConnectcoreTechnology or IntegrationAtrium campus card platforms integrated with Apriva for campus payment acceptance.
• Transact Campus (QuickCharge)coreTechnology or IntegrationTransact Campus platforms (QuickCharge, Transact TSE-BlackBoard, Transact SASS-CardSmith, Transact IDX) integrated with Apriva for campus payment acceptance.
• PAX TechnologiescoreTechnology or IntegrationPAX EMV-certified payment devices (A920, A920 Pro, A80, A60, A35, S920, S300, e800) certified with Apriva. AprivaPay mobile app available in PAX store.
• Castles TechnologycoreTechnology or IntegrationCastles EMV-certified unattended payment devices (S1U2, S1U2 M4, Saturn 1000-E UPT/S1U, UPT1000F/U1F, UPT1000B/U1B, UPT1000C/U1C) certified with Apriva for self-service environments.
• Crane Payment Innovations (CPI)coreTechnology or IntegrationCPI EMV-certified payment devices (Alio Note, 4 in 1 Plus) certified with Apriva for unattended payment acceptance.
• PaytercoreTechnology or IntegrationPayter EMV-certified payment devices (Apollo, Apollo Max, Apollo Polar) certified with Apriva for unattended payment acceptance in vending, parking, EV charging, car wash environments.
• IngenicocoreTechnology or IntegrationIngenico Moby 8500 mobile payment device certified with Apriva through Global Payments Portico GP CA and Portico GP Bermuda platforms.
• Anywhere Commerce (Walker)coreTechnology or IntegrationAnywhere Commerce Walker mobile payment devices (C3X, C2X, Walker 2) certified with Apriva for Bluetooth mobile payments.
• MiuracoreTechnology or IntegrationMiura card readers (M010, M020) certified with Apriva for AprivaPay Mobile through Global Payments Portico GP UK and Smart BT/Prosa (Mexico).
• AAFES / Military Star CardcoreTechnology or IntegrationAAFES Military Star Card payment acceptance integrated with Apriva for military commissary and exchange payment processing.
• Dspread (QPOS Mini)coreTechnology or IntegrationDspread QPOS Mini mobile payment device certified with Apriva through Portico in Mexico for swipe, chip, PIN, tap, and card not present payments.
• Madic Group / GlobalComcoreTechnology or IntegrationMadic BV1000 weather-proof unattended payment devices certified with Apriva for parking, fuel pumps, vending, kiosks environments.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stripe: Stripe is a leading global payment gateway and processing platform with developer-friendly APIs serving SMBs and enterprises across all major payment methods. Directly comparable to Apriva Payments on gateway functionality, multi-processor connectivity, and ISV/developer integrations.
• Square (Block): Square (Block) provides mobile payment acceptance, POS hardware, and software for SMBs including countertop and unattended solutions. Comparable to Apriva on omnichannel mobile POS (AprivaPay Mobile) and integrated hardware (AprivaPay Terminals) offerings.
• Authorize.Net (Visa): Authorize.Net is a long-standing payment gateway serving merchants, ISOs, and ISVs with multi-processor connectivity. One of the closest direct competitors to Apriva's payment gateway business on functionality, ISV/ISO partnerships, and integration model.
• NMI (Network Merchants Inc.): NMI provides a payment gateway platform enabling ISVs and ISOs to integrate payment processing across multiple processors. Highly comparable to Apriva's Integration Services division in serving ISV/ISO partners with multi-processor access and developer tools.
• USA ePay: USA ePay is a payment gateway and processor offering APIs, mobile SDKs, and developer tools for merchants and integrators. Comparable to Apriva Payments on gateway functionality, API/SDK integrations, and merchant services across multiple processors.
• PayJunction: PayJunction offers payment processing and gateway services for SMBs and ISVs with virtual terminal and API capabilities. Comparable to Apriva on payment processing, virtual terminal, and ISV integration offerings.
• Cantaloupe: Cantaloupe (formerly USA Technologies) specializes in unattended/self-service payment solutions for vending, micro-markets, and connected commerce. The most direct comparable to Apriva's AprivaPay Self-Service business on wholesale pricing for vending and unattended retail verticals.

Broad incumbents

• Fiserv: Fiserv is a major fintech providing payment processing, banking, and merchant services globally with gateway products (Clover, CardPointe). Comparable to Apriva Payments on multi-processor connectivity and merchant gateway services, though operating at dramatically larger scale across financial services.
• Global Payments: Global Payments is a leading global payment processor and technology provider serving merchants in over 100 countries. While integrated with Apriva's gateway as a processor, Global Payments also offers its own gateway/merchant solutions and represents a broad incumbent comparable to Apriva Payments.
• L3Harris Technologies: L3Harris provides secure communications, tactical radios, and classified networking solutions for the DoD and Intelligence Community. Broadly comparable to Apriva ISS on secure mobile communications for defense and government, though L3Harris operates at significantly larger scale as a defense prime contractor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/apriva
• YouTubeyoutube.com/channel/UCq9CFmqWAf0wCkV4Vi5swHA
• Facebookfacebook.com/Apriva-105525438261414
• LinkedInlinkedin.com/company/apriva
• Instagraminstagram.com/aprivapayments

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors1 record

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 Apriva