PayTech Trust

What PayTech Trust does

PayTech Trust is a US-based payment processing and financial services company founded in 2019 and headquartered in Chantilly, Virginia. The firm operates as a registered Independent Sales Organization (ISO) of Synovus Bank and provides payment infrastructure for B2B enterprises in distributor, wholesale, and service industries, as well as for financial institutions, software/ISV partners, CPA and accounting firms, and non-profit organizations. Its platform centers on the PayTech Trust Gateway for core transaction processing, complemented by a Virtual Terminal for remote card-not-present processing, a Hosted Payments page for e-commerce and shopping cart integration, and Tokenization/Card Account Updater for security and card data lifecycle management. The firm also operates AI-powered fraud monitoring and supports the Visa Commercial Enhanced Data Program (CEDP) introduced in April 2025.

The product portfolio extends into value-added financial services: a Cash Discounting/Dual Pricing program to offset card acceptance costs, a Merchant Cash Advance product for working capital, and a Consumer Credit Program providing customer financing through 14 partner lenders with $14B in aggregate lending capacity. For software platforms, PayTech Trust offers a PayFac-in-a-Box white-label enabling ISVs to become payment facilitators via APIs, with merchant onboarding completed in under 30 days and recurring revenue-share economics.

The business model is transaction-fee driven across all revenue streams: interchange and processing fees from merchant card and ACH volume, MCA advancement fees, financing program transaction fees, and revenue share from embedded payment processing. Go-to-market combines consultative direct enterprise sales, channel/reseller partnerships with financial institutions and ISVs, and association-based distribution for mid-market and non-profit segments. Growth has been M&A-augmented: in May 2024 the firm acquired Apogee Payment Systems (the 59th largest US merchant acquirer per The Nilover Report), expanding Midwest presence. The firm has appeared on the Inc. 5000 for three consecutive years (2023-2025), reporting 237% three-year revenue growth in its most recent recognition. Headcount is in the 11-50 range with a small, scaling team.

Name

PayTech Trust

Legal name

PayTech Trust

Website

https://paytechtrust.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

PayTech Trust is a US payment processor (founded 2019, Chantilly, VA) operating as a registered ISO of Synovus Bank, delivering gateway, virtual terminal, hosted payments, tokenization, cash advance, dual pricing, and PayFac-in-a-Box solutions to B2B enterprises, financial institutions, ISVs, CPAs, and non-profits.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Payment processing services
• Merchant payment solutions
• Payment gateway services
• Merchant cash advance
• Payment facilitation platform

Headquarters

HQ city

Chantilly

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Core payment processing revenue from merchant credit card and ACH transaction fees. Revenue varies based on transaction volume and type.
2. Cash Advance: Merchant cash advance solutions providing working capital to small businesses. Generates revenue through advancement fees.
3. Consumer Credit Program: Financing solutions enabling merchants to offer customer financing. Partners with 14 lenders and $14B lending capacity to provide affordable consumer credit options.
4. Cash Discounting Programs: Cash discounting solutions helping businesses manage card acceptance costs by offering discounted prices for cash/ACH payments.
5. Payment Facilitation (PayFac-in-a-Box): White-label payment facilitator platform for ISVs. Software companies embed payments and earn recurring revenue share from transactions processed through their platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

PayTech Trust provides secure payment processing infrastructure and merchant services for B2B enterprises in distributor, wholesale, and service industries. The offering centers on the PayTech Trust Gateway and Virtual Terminal for credit card and ACH processing, supplemented by Hosted Payments, Tokenization, Cash Advance, Cash Discounting, Consumer Credit, and a white-label PayFac-in-a-Box platform for software partners. The company handles billions in annual transaction volume as a registered ISO of Synovus Bank.

Product overview

PayTech Trust is a payment processing and financial services company offering a comprehensive suite of payment solutions for B2B enterprises. The product portfolio centers on the PayTech Trust Gateway as the core processing infrastructure, complemented by the Virtual Terminal for remote card processing and Hosted Payments for e-commerce integration. Additional value-added services include Tokenization and Card Account Updater for security and data management, Cash Advance and Cash Discounting for cost mitigation, and a Consumer Credit Program for financing solutions. For software developers, the Payment Facilitation (PayFac-in-a-Box) platform enables embedded payments through APIs. The company also provides payroll services as part of its broader financial offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• PayTech Trust Virtual Terminal Web-based virtual terminal enabling merchants to remotely process credit card payments from any internet-enabled device, eliminating the need for physical point-of-sale hardware. Targeted at merchants seeking cost-effective remote payment acceptance.
• PayTech Trust Gateway Payment gateway providing compliance and security features with simplified PCI compliance across card-present POS, mobile payments, and e-commerce transactions. Designed for merchants and software integrators requiring secure transaction routing.
• Hosted Payments Hosted payment page solution that securely connects websites and shopping cart applications to the PayTech Trust Gateway, enabling credit card and ACH payments while simplifying PCI compliance by handling sensitive cardholder data on behalf of merchants.
• Tokenization and Card Account Updater Security technology that replaces sensitive cardholder information with token data to reduce fraud risk and minimize PCI compliance scope, with automatic card information renewal to prevent transaction failures and improve customer retention.
• Cash Advance Merchant cash advance solution providing working capital to small businesses, designed to eliminate delays and red tape associated with traditional lending options. Targets merchants needing fast access to capital.
• Cash Discounting

Quantifiable outcome

• 237% three-year revenue growth
• +2 more outcomes

Named customers4 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

AI capability2 records

Feature5 records

Partnerships

One partnership is on record.

• Apogee Payment SystemsmajorStrategic or Co-development Partner · 1 May 2024Acquired/merged with Apogee Payment Systems in May 2024. Apogee was the 59th largest merchant acquirer in the US per The Nilover Report and had been awarded 'High Growth Company' multiple times by The Strawhecker Group. The merger combines expertise and resources to deliver expanded payment solutions.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PaymentCloud: Merchant services provider specializing in high-risk and B2B verticals with gateway, virtual terminal, and cash advance products. Comparable to PayTech Trust on payment processing, vertical-focused sales, and merchant financing offerings.
• Stax (formerly Fattmerchant): Subscription-based payment processor and PayFac-in-a-Box provider serving SMB and mid-market merchants. Closely comparable to PayTech Trust on payment gateway, merchant cash advance, and embedded-payments-for-ISVs go-to-market.
• Gravity Payments: Credit card processing ISO offering transparent, flat-rate pricing and merchant services to SMBs and mid-market. Comparable to PayTech Trust on consultative direct sales, transparent billing, and processor-ISO model.
• North American Bancard: Registered ISO of Wells Fargo Bank providing merchant services, payment gateway, cash advance, and POS solutions to B2B merchants. Closely comparable business model, product mix, and ISO bank-sponsorship structure.
• Finix: Payments infrastructure provider enabling software companies to become payment facilitators with white-label APIs and merchant onboarding. Direct competitor to PayTech Trust's PayFac-in-a-Box offering for ISV partners.

Emerging players

• Lightspeed Commerce: Commerce platform offering integrated payments, hardware, and software for retail and restaurant verticals. Comparable to PayTech Trust's distributor/wholesale/service vertical focus and embedded-payments positioning, though with broader software suite.

Broad incumbents

• Stripe: Global payments infrastructure platform offering payment processing, embedded finance (Stripe Connect / Issuing), and developer APIs. Overlaps with PayTech Trust across gateway, embedded payments, and PayFac capabilities but at vastly greater scale.
• Block (Square): Full-stack payments and financial services company serving merchants with processing, capital (Square Loans), and embedded software. Comparable to PayTech Trust's processing-plus-cash-advance-plus-software model but with substantially broader scope and scale.
• Fiserv: Large incumbent merchant acquirer and fintech infrastructure provider (Clover, First Data legacy) offering processing, gateway, and value-added services to merchants and FIs. Overlaps broadly with PayTech Trust across merchant acquiring and FI channel programs.

Regional players

• Apogee Payment Systems (legacy subsidiary): Pre-merger Wisconsin-based merchant acquirer (59th largest in the US per Nilson Report) now operating as a wholly-owned subsidiary of PayTech Trust. Comparable on merchant acquiring scale and Midwest geographic exposure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/paytechtrust

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 PayTech Trust