Atlantic Pacific Processing Systems
Atlantic Pacific Processing Systems, doing business as Stax Payments, is a US-based ISO/MSP providing credit card and ACH processing for merchants, ISVs, ISOs, and SMBs through proprietary end-to-end payment technology, multi-bank sponsorship, and embedded SaaS solutions.
- Company typePrivate
- Founded2005
- HeadquartersFountain Valley, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Atlantic Pacific Processing Systems does
Atlantic Pacific Processing Systems operates as Stax Payments, a US-based payment processor founded in 2005 and headquartered in Fountain Valley, California. The company is structured as a registered ISO/MSP (Independent Sales Organization/Member Service Provider) in association with Fifth Third Bank, Pinnacle Bank (dba Synovus Bank), and Elavon, Inc. (a U.S. Bancorp subsidiary). It provides credit card and ACH processing to merchants, Independent Software Vendors (ISVs), Independent Sales Organizations (ISOs), and small-to-medium businesses.
Atlantic Pacific Processing Systems firmographics
Firmographics- Name
- Atlantic Pacific Processing Systems
- Legal name
- Stax Payments, Inc.
- Website
- https://approcessing.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Atlantic Pacific Processing Systems, doing business as Stax Payments, is a US-based ISO/MSP providing credit card and ACH processing for merchants, ISVs, ISOs, and SMBs through proprietary end-to-end payment technology, multi-bank sponsorship, and embedded SaaS solutions.
- Ownership category
- akta.pro rank
Atlantic Pacific Processing Systems industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Recurring Billing & Subscription Payments Enablement (FSAMACAF)
Keywords
Where Atlantic Pacific Processing Systems is headquartered
LocationHeadquarters
- HQ city
- Fountain Valley
- HQ country
- United States
- HQ region
- North America
Markets served
Atlantic Pacific Processing Systems business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- Payment Processing Services: Transaction-based payment processing fees for merchants, ISVs, ISOs, and SMBs. The platform provides end-to-end processing capabilities with direct card brand connections and comprehensive risk management.
- Surcharging Services: Automated surcharging services enabling merchants to pass card acceptance costs to customers while maintaining margin retention for the platform.
- SaaS Platform Licensing: Stax Connect and embedded payments solutions for SaaS platforms, enabling white-label payment processing capabilities for ISVs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Custom enterprise pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Atlantic Pacific Processing Systems product offering
Product offeringCore offering
Atlantic Pacific Processing Systems (dba Stax Payments, Inc.) provides end-to-end credit card and ACH payment processing services to merchants, ISVs, ISOs, and SMBs. The company delivers a full-stack, proprietary payment processing platform with direct card brand connections, AI-enabled fraud controls, automated surcharging, in-house settlement and risk management, and embedded/white-label payment capabilities for SaaS platforms via its Stax API and Stax Connect.
Product overview
Stax Payments (Atlantic Pacific Processing Systems) operates as a vertically-tailored, full-stack payment processing platform offering a portfolio of interconnected products. The core platform is Stax Processing, which provides end-to-end payment processing with proprietary technology, AI-enabled fraud controls, direct card brand connections, automated surcharging, and in-house settlement management. The product suite includes Stax Pay for merchant-facing payment processing, Stax Connect for SaaS platform embedded payments, Stax Bill for invoicing and billing workflows, CardX by Stax as a specialized card-processing sub-brand, and the Stax API for developer integration and white-label payment processing. The portfolio is unified by a shared data foundation that powers AI-enabled tools, reporting, and reconciliation across all products.
Differentiator
Problem solved
Functional benefit
Brands
- Stax Pay: Payment processing solution for businesses
- Stax Connect
- Stax Bill
- CardX by Stax
- APPSOS
Products and services
- Stax Processing
- Stax Pay
- Stax Connect
- Stax Bill
- CardX by Stax
- Stax API
Companies that use Atlantic Pacific Processing Systems
Customer profileSegments3 records
Ideal customer profiles3 records
Atlantic Pacific Processing Systems technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature7 records
Atlantic Pacific Processing Systems partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights6 records
Atlantic Pacific Processing Systems competitors and assessment
Company assessmentEmerging players
- Toast: Toast is an emerging vertical SaaS player in restaurant payments and POS, providing an analog of the vertical-specific embedded payments model Stax pitches to ISVs in non-restaurant verticals.
Broad incumbents
- Fiserv: Fiserv is a broad incumbent in merchant acquiring, bank-tech, and processing, offering overlapping capabilities to Stax across card processing, ISO/reseller programs, and embedded commerce.
- Adyen: Adyen is a global broad incumbent in unified commerce payments, competing with Stax in API-first, direct-acquirer processing and offering embedded/omnichannel capabilities for enterprise merchants.
- Heartland Payment Systems (Global Payments): Heartland, part of Global Payments, is a broad incumbent in SMB and ISO-distributed card processing, overlapping with Stax across merchant acquiring, ISO sponsorship models, and POS-integrated payments.
Direct peers
- National Processing: National Processing is a direct ISO-style competitor offering merchant accounts and payment processing to SMBs, with overlapping go-to-market channels (ISOs/agents) to Stax's ISO network.
- Square (Block): Block's Square is a direct competitor offering integrated card processing, POS hardware, and embedded commerce tools aimed at SMBs and ISVs — the same core segments Stax targets with Stax Pay and Stax Connect.
- Stripe: Stripe is a direct competitor in API-first payment processing and embedded payments for SaaS platforms, competing head-to-head with Stax Connect's white-label and developer-first proposition.
- Helcim: Helcim is a direct SMB-focused payments competitor with interchange-plus pricing, an integrated merchant portal, and a recurring-billing tool — overlapping closely with Stax Pay and Stax Bill.
- Payment Depot: Payment Depot is a direct subscription-style merchant processing competitor to Stax Pay, targeting SMBs with flat-fee card processing and an in-house merchant platform.
- Clover (Fiserv): Clover, owned by Fiserv, is a direct competitor in SMB payment processing and POS, often distributed through ISOs and banks — directly overlapping Stax's ISO channel and merchant acquiring motion.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Atlantic Pacific Processing Systems social profiles
Digital presenceAtlantic Pacific Processing Systems compliance and trust
Trust signalCompliance1 record
Atlantic Pacific Processing Systems financial estimates
Financial estimateRevenue estimate
Valuation estimate
Atlantic Pacific Processing Systems leadership team
Management profileNumber of profiles
Profiles2 records
Atlantic Pacific Processing Systems funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Atlantic Pacific Processing Systems M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Atlantic Pacific Processing Systems
What does Atlantic Pacific Processing Systems do?
Atlantic Pacific Processing Systems (dba Stax Payments, Inc.) provides end-to-end credit card and ACH payment processing services to merchants, ISVs, ISOs, and SMBs. The company delivers a full-stack, proprietary payment processing platform with direct card brand connections, AI-enabled fraud controls, automated surcharging, in-house settlement and risk management, and embedded/white-label payment capabilities for SaaS platforms via its Stax API and Stax Connect.
Is Atlantic Pacific Processing Systems a public or private company?
Atlantic Pacific Processing Systems is a private company. It is classified as unknown and is currently operating.
When was Atlantic Pacific Processing Systems founded?
Atlantic Pacific Processing Systems was founded in 2005. It employs 51 to 100 people.
Where is Atlantic Pacific Processing Systems based?
Atlantic Pacific Processing Systems is headquartered in Fountain Valley, United States, in the North America region.
How does Atlantic Pacific Processing Systems make money?
Three revenue lines are on record. Payment Processing Services are the primary driver. The others are surcharging Services and saaS Platform Licensing.
Who are Atlantic Pacific Processing Systems's main competitors?
Toast is listed as an emerging player. Broad incumbents are Fiserv, Adyen and Heartland Payment Systems (Global Payments). Direct peers are National Processing, Square (Block), Stripe, Helcim, Payment Depot and Clover (Fiserv).
Does Atlantic Pacific Processing Systems have an API?
Yes. Atlantic Pacific Processing Systems exposes a public API. Developer documentation is at docs.staxpayments.com.
What industry is Atlantic Pacific Processing Systems in?
Atlantic Pacific Processing Systems's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAF, Recurring Billing & Subscription Payments Enablement. Its NAICS code is 522320 and its SIC code is 7370.