Constellation Payments
Constellation Payments (CSIPay) is a wholly-owned Constellation Software subsidiary providing enterprise payment gateway, ISV, and PayFac-as-a-Service infrastructure primarily to 40+ CSI portfolio companies and 4,000+ merchants across North America.
- Company typePrivate
- Founded2012
- HeadquartersWarminster, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Constellation Payments does
Constellation Payments, operating under the brand CSIPay, is an enterprise payment infrastructure platform and wholly-owned subsidiary of Constellation Software Inc., headquartered in Cincinnati, Ohio. The company provides a RESTful API-based payment gateway supporting US and Canadian markets, with stated expansion capabilities to the UK and Australia via parent company relationships. Its core platform enables card and bank-based payment processing across multiple channels — retail POS, e-commerce, and recurring/subscription billing — with a suite of product modules including ISV Solutions (embedded payments), Payment Facilitation as a Service in Lite and Pro tiers (white-label and partner-led facilitation), and SaaS Billing (recurring revenue collection).
The technology stack includes SDKs for JavaScript, Python, PHP, and Ruby; proprietary tokenization; end-to-end encryption; configurable risk controls; and customizable analytics dashboards. The platform holds PCI DSS Level 1, PCI 3DS Server, EMVCo, and ISO 27001 certifications, and operates as a registered agent for Worldpay under Fifth Third Bank for underlying banking infrastructure. Constellation Payments monetizes primarily through per-transaction fees (with a published cost-plus tier at 0.40% + $0.10 per transaction for SaaS Billing) and revenue-sharing arrangements with ISV and PFaaS partners. The go-to-market motion is overwhelmingly channeled through Constellation Software's portfolio of vertical-market software companies, where 40+ active partners and 4,000+ merchants rely on the infrastructure daily, making the captive CSI ecosystem the primary customer acquisition engine rather than independent enterprise sales.
Constellation Payments firmographics
Firmographics- Name
- Constellation Payments
- Website
- https://csipay.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Constellation Payments (CSIPay) is a wholly-owned Constellation Software subsidiary providing enterprise payment gateway, ISV, and PayFac-as-a-Service infrastructure primarily to 40+ CSI portfolio companies and 4,000+ merchants across North America.
- Ownership category
- akta.pro rank
Constellation Payments industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
- akta.pro primary industry
- Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Payment Gateways & Orchestration (BPAMAFAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)
Keywords
Where Constellation Payments is headquartered
LocationHeadquarters
- HQ city
- Warminster
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Constellation Payments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing Fees: Transaction-based revenue from payment processing. SaaS Billing model charges transparent cost-plus pricing of 0.40% + $0.10 per transaction. Revenue is generated through per-transaction fees across all payment channels including POS, e-commerce, and recurring billing.
- Partner Revenue Sharing: ISV and PFaaS partners earn competitive referral fees based on volume and residual revenue from merchant transactions. PFaaS Lite offers enhanced revenue sharing model while PFaaS Pro provides maximum revenue potential with complete merchant ownership.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | SaaS Billing - Transparent cost-plus pricing for recurring payment collection |
| Transaction based/ take rate | Pay-as-you-go | ISV Partnership - Referral fee model |
| Transaction based/ take rate | Pay-as-you-go | PFaaS Pro - White-label payment platform with maximum revenue potential |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels3 records
Constellation Payments product offering
Product offeringCore offering
Constellation Payments operates an enterprise-grade payment gateway (CSIPay) that processes card and bank-based payments for businesses across the US and Canadian markets. It offers ISV Solutions for embedded payments, PayFac as a Service (PFaaS Lite and PFaaS Pro) for partners becoming payment facilitators, SaaS Billing for subscription and recurring payments, and Retail POS and E-commerce acceptance solutions, all delivered through RESTful APIs and SDKs with tokenization, encryption, and configurable fraud controls.
Product overview
Constellation Payments operates as an enterprise payment infrastructure platform serving Constellation Software portfolio companies across North America. The core product is CSIPay, an enterprise-grade payment gateway supporting the US and Canadian markets. The portfolio includes specialized modules: ISV Solutions for embedding payments into software applications, PayFac as a Service (PFaaS) with Lite and Pro tiers for payment facilitation, SaaS Billing for subscription and recurring payments, Retail POS for in-store processing, E-commerce for online payments, and Analytics & Reporting for performance insights. The platform also offers multiple partnership structures (ISV, PFaaS Lite, PFaaS Pro) with varying levels of control, responsibility, and revenue opportunity.
Differentiator
Problem solved
Functional benefit
Products and services
- CSIPay
Quantifiable outcome
- 99.9% uptime SLA
- +3 more outcomes
Companies that use Constellation Payments
Customer profileNamed customers9 records
Segments6 records
Ideal customer profiles3 records
Constellation Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Constellation Payments partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Worldpay (Fifth Third Bank)coreConstellation Payments operates as a registered agent for Worldpay under Fifth Third Bank, Cincinnati, OH. This relationship provides the underlying payment processing infrastructure and banking relationships required for payment facilitation services in the US market.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Constellation Payments competitors and assessment
Company assessmentDirect peers
- Spreedly: Payment orchestration platform enabling software companies to route transactions across multiple PSPs via a single API. Highly comparable on payment orchestration, multi-PSP routing, and ISV/embedded payment use cases.
- Paya (NMI portfolio): Payment processor focused on integrated payments for vertical software and B2B businesses. Comparable as a gateway/ISV-focused processor serving software-led merchants with recurring billing and embedded payments.
Broad incumbents
- Stripe: Global payments platform offering gateway, processing, and embedded finance APIs. Comparable as a developer-first payment infrastructure serving software platforms and SaaS businesses — directly competing for ISV and SaaS billing customers.
- Checkout.com: Global cloud-based payments processor offering gateway and orchestration for enterprise merchants and digital businesses. Comparable on enterprise payment processing, multi-currency, and developer-first APIs.
- Fiserv: Large diversified fintech providing merchant acquiring, gateway, and Clover POS. Comparable as a broad incumbent offering competing payment infrastructure including Clover, which competes with Constellation Payments' Retail POS offering.
- Adyen: Enterprise-grade unified payments platform serving large merchants with global processing, gateway, and orchestration. Comparable as a high-uptime, enterprise-credentialed PSP competing for the same VMS and enterprise software customer profile.
- Worldpay: One of the largest global merchant acquirers and Constellation Payments' own processing sponsor. Comparable as a broad incumbent in merchant acquiring and gateway services that Constellation Payments effectively white-labels through.
Emerging players
- Finix: Payment facilitation-as-a-service provider enabling software platforms to embed payments and own merchant relationships. Directly comparable on PFaaS Pro/Lite-style white-label payment facilitation models.
- Stax (by Fattmerchant): Subscription-based payment processing and PayFac-as-a-Service platform targeting SaaS and software-led businesses. Comparable on transparent pricing (subscription) and serving software-vertical merchants with embedded billing needs.
- Payrix (FIS): Embedded payments and PFaaS platform purpose-built for SaaS and software platforms. Directly comparable on enabling ISVs/SaaS companies to monetize payments within their own applications.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Constellation Payments social profiles
Digital presenceConstellation Payments compliance and trust
Trust signalCompliance6 records
Constellation Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Constellation Payments leadership team
Management profileNumber of profiles
Constellation Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Constellation Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Constellation Payments
What does Constellation Payments do?
Constellation Payments operates an enterprise-grade payment gateway (CSIPay) that processes card and bank-based payments for businesses across the US and Canadian markets. It offers ISV Solutions for embedded payments, PayFac as a Service (PFaaS Lite and PFaaS Pro) for partners becoming payment facilitators, SaaS Billing for subscription and recurring payments, and Retail POS and E-commerce acceptance solutions, all delivered through RESTful APIs and SDKs with tokenization, encryption, and configurable fraud controls.
Is Constellation Payments a public or private company?
Constellation Payments is a private company. It is classified as corporate owned and is currently operating.
When was Constellation Payments founded?
Constellation Payments was founded in 2012. It employs 1 to 10 people.
Where is Constellation Payments based?
Constellation Payments is headquartered in Warminster, United States, in the North America region.
How does Constellation Payments make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are partner Revenue Sharing.
Who are Constellation Payments's main competitors?
Direct peers on record are Spreedly and Paya (NMI portfolio). Broad incumbents are Stripe, Checkout.com, Fiserv, Adyen and Worldpay. Emerging players are Finix, Stax (by Fattmerchant) and Payrix (FIS).
Does Constellation Payments have an API?
Yes. RESTful APIs with SDKs for JavaScript, Python, PHP, Ruby, and more. Complete API documentation with interactive examples and code samples. Transaction processing capabilities including sale transactions, terminal integration, and real-time processing. Supports merchant ID and terminal ID tracking with configurable parameters for production environment integration. Developer documentation is at csipay.stoplight.io.
What industry is Constellation Payments in?
Constellation Payments's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAB, Payment Orchestration Platforms (Multi-PSP Routing), with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 522320.