Pinpoint Payments
Pinpoint Payments is a U.S.-based registered ISO of Wells Fargo Bank providing card processing, dual pricing, POS, and chargeback solutions to small and mid-sized businesses, with a specialization in high-risk verticals such as CBD, firearms, vape, and restaurants.
- Company typePrivate
- Founded2013
- HeadquartersMiami, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Pinpoint Payments does
Pinpoint Payments (legal entity Pinpoint Intelligence, LLC) is a U.S.-based payment processor founded in 2013 and headquartered at 1111 Lincoln Road, Miami Beach, FL, with a regional office in Clearwater, FL. The company operates as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A. and specializes in merchant card processing for small and mid-sized businesses, with a particular emphasis on high-risk and underbanked verticals including CBD, firearms, vape/tobacco, supplements, adult, restaurants, medical, fitness, hotels, jewelry, and startups. Pinpoint reports a 98% merchant account approval rate and differentiates on underwriting expertise, U.S.-based 24/7 bilingual support, and Dual Pricing programs that can eliminate up to 80-100% of merchant processing fees.
The product portfolio centers on card processing augmented by a modular add-on stack: Dual Pricing, chargeback reduction tools (integrations with Verifi, Ethoca, PAAY 3D Secure, and Kount ML fraud screening), merchant cash advances, a Merchant Rewards loyalty program, recurring billing/ACH, and a free AI-powered statement analysis tool. Pinpoint distributes a processor-agnostic POS stack through partner ecosystems including Clover, PayAnywhere, SoundPOS, eHopper, Quantic POS, and PeakPOS, supplemented by direct enterprise field sales and an ISO/agent network. Compliance is anchored by PCI DSS infrastructure with tokenized vaulting and GDPR-aligned data handling.
The revenue model is primarily transaction-based (card processing fees) with secondary streams from POS hardware sales/leasing, recurring monthly managed-service fees, Dual Pricing program setup, and merchant cash advances against future card volume. The company is privately held with no disclosed outside funding, has earned five consecutive Inc. 5000 designations (2018-2022), holds an A+ BBB rating, and maintains a 4.8/5 Trustpilot score from thousands of merchants nationwide.
Pinpoint Payments firmographics
Firmographics- Name
- Pinpoint Payments
- Legal name
- Pinpoint Intelligence, LLC
- Website
- https://pinpointpayments.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pinpoint Payments is a U.S.-based registered ISO of Wells Fargo Bank providing card processing, dual pricing, POS, and chargeback solutions to small and mid-sized businesses, with a specialization in high-risk verticals such as CBD, firearms, vape, and restaurants.
- Ownership category
- akta.pro rank
Pinpoint Payments industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where Pinpoint Payments is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Pinpoint Payments business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Payment Processing / Transaction Fees: Merchants pay processing fees on credit/debit card transactions. Fees are optimized through dual pricing programs that can reduce or eliminate merchant costs.
- POS Hardware and Terminal Sales/Leasing: Sale or lease of POS terminals, hardware, and payment terminals. Terminal placement programs available with little to no upfront cost.
- Managed Services / Monthly Account Fees: Monthly account management and service fees for ongoing payment processing support, dedicated account management, and processing optimization.
- Dual Pricing Program Services: Dual pricing implementation services with compliant hardware and software setup, including POS updates and signage for cash/card pricing.
- Business Capital / Funding: Cash advances against future card transactions for merchant growth and operational needs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Fixed-Fee Monthly Plan |
| Transaction based/ take rate | Pay-as-you-go | Dual Pricing - Fee Elimination |
| Unit Pricing | Pay-as-you-go | Merchant Rewards Program |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Pinpoint Payments product offering
Product offeringCore offering
Pinpoint Payments is a U.S.-based payment processor (operating as Pinpoint Intelligence, LLC, a registered ISO of Wells Fargo Bank, N.A.) that provides credit and debit card acceptance for retail, eCommerce, and high-risk merchants. Its core bundle combines card processing, a proprietary dual pricing program that can eliminate up to 100% of processing fees, chargeback and fraud prevention, POS hardware solutions, merchant cash advances, and high-risk merchant underwriting with a stated 98% approval rate.
Product overview
Pinpoint Payments is a payment processing company founded in 2013, offering a modular platform centered on card processing with multiple add-on services. The core offering is Card Processing for retail, eCommerce, and high-risk industries, complemented by Dual Pricing (fee elimination), Retail & POS Solutions (partner-branded Clover, PayAnywhere, SoundPOS, eHopper, Quantic POS, PeakPOS), Chargeback Reduction Programs (with Ethoca, Verifi, 3D Secure integrations), Fraud Prevention (Kount), Merchant Rewards Program, Business Capital/Funding, and Free AI Savings Analysis. The company specializes in high-risk industries including CBD, firearms, vape/tobacco, restaurants, medical, hotels, gyms, and membership clubs, serving businesses from local shops to national brands with U.S.-based support in English and Spanish.
Differentiator
Problem solved
Functional benefit
Products and services
- Card Processing Core credit and debit card acceptance service enabling merchants to take in-store, online, and mobile payments through a tech-agnostic setup compatible with most existing terminals.
- Dual Pricing Program Cash and card dual pricing program that displays both prices upfront, allowing merchants to eliminate up to 100% of credit card processing fees. Fully compliant with Visa, Mastercard, and state laws in all 50 states.
- High-Risk Merchant Processing Specialized merchant account underwriting for businesses in CBD, supplements, adult, firearms, vape/tobacco, travel, subscription, and other elevated-compliance verticals, with a stated 98% approval rate and 24-48 hour decisioning.
- Retail and POS Solutions Point-of-sale systems including full POS stations, countertop terminals, and handheld/mobile devices with inventory, employee management, loyalty, and reporting features. Integrates with PeakPOS, Clover, PayAnywhere, SoundPOS, eHopper, and Quantic POS.
- Chargeback Reduction Programs Suite of chargeback prevention and dispute management tools including pre-chargeback alerts (Ethoca, Verifi), representment services, Order Insight, Rapid Dispute Resolution (RDR), and Visa VAMP monitoring.
- Merchant Rewards Program Loyalty program where merchants earn points on every transaction processed, redeemable for travel, electronics, luxury goods, and gift cards. Includes 2,000 bonus points on signup.
- Business Capital and Cash Advances Merchant cash advances against future card volume to fund inventory, expansion, equipment purchases, and operational needs.
- Free AI Savings Analysis AI-powered tool that analyzes merchant processing statements to identify savings opportunities, fee anomalies, and optimization potential. Available free to prospective and existing merchants.
- Payment Gateways and Integrations Online payment infrastructure including shopping cart integrations, virtual terminals, invoicing, recurring billing, and ACH for eCommerce and subscription merchants. Integrates with MindBody, WellnessLiving, Mariana Tek, and major shopping cart platforms.
- Fraud Prevention Suite Comprehensive fraud protection including 3D Secure (PAAY) authentication, Kount machine-learning analysis, Address Verification Service (AVS), CVV verification, and real-time fraud alerts.
Quantifiable outcome
- Eliminates up to 100% of credit card processing fees through dual pricing
- +6 more outcomes
Companies that use Pinpoint Payments
Customer profileNamed customers6 records
Segments8 records
Ideal customer profiles3 records
Pinpoint Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability4 records
Feature9 records
Pinpoint Payments partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Verifi (Visa Solution)coreVerifi, a Visa solution, provides near real-time communication between merchants and card issuers to resolve fraud and non-fraud disputes before they become chargebacks. Enrolled as part of Pinpoint's standard chargeback management suite.
- EthocacoreEthoca Alerts connects card issuing banks and ecommerce merchants to communicate about fraud and disputes, allowing Pinpoint merchants to resolve issues before chargebacks formally file. Reduces fraud costs and brand damage.
- KountcoreKount provides machine-learning fraud analysis and screening for real-time identification of suspicious activity. Integrated into Pinpoint's fraud prevention stack for merchants operating in high-risk categories.
- PAAY (3D Secure)corePAAY provides a simplified 3D Secure protocol integration for Visa and Mastercard authentication, reducing shopping cart abandonment while protecting merchants from fraud and friendly fraud chargebacks.
- ClovercoreClover is a POS and payment platform partner offering all-in-one POS solutions (Clover Mini, Flex, Station, Go) with apps, inventory management, and employee tools. Pinpoint integrates with and resells Clover hardware.
- PeakPOScorePeakPOS is Pinpoint's own POS platform featured as a flagship POS solution alongside partner-supported systems. Marketed as a flexible POS and payment setup for modern businesses.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Pinpoint Payments competitors and assessment
Company assessmentBroad incumbents
- Stripe: Dominant online payment processor serving SMBs through enterprise. Competes with Pinpoint on eCommerce, recurring billing, and fraud/chargeback tooling, with broader product suite.
- Clover Network (Fiserv): POS platform owned by Fiserv that Pinpoint resells through its channel partner program. Also serves as both a partner and adjacent competitor offering integrated payment processing.
- Square (Block): Largest SMB-focused integrated payments and POS provider. While not specializing in high-risk, it competes heavily in Pinpoint's retail, restaurant, and eCommerce SMB segments.
Direct peers
- Payment Depot: Interchange-plus payment processor focused on SMBs and high-risk merchants with transparent pricing. Competes directly on cost savings, merchant-friendly pricing models, and high-risk underwriting.
- Helcim: Direct-payment processor offering interchange-plus pricing, POS, and online payments to SMBs and merchants across verticals. Comparable pricing philosophy and SMB-to-mid-market target customer overlap.
- Host Merchant Services: ISO/payment processor targeting SMBs with interchange-plus pricing, high-risk underwriting, and white-glove support. Closely comparable in positioning and customer profile.
- National Processing: Payment processor offering SMB and high-risk merchant services with a focus on cost reduction and dedicated support. Closely comparable business model and target verticals.
- High Risk Match: Specialist in placing high-risk merchant accounts (CBD, adult, supplements, firearms, vape). Direct niche competitor in the same high-risk underwriting categories Pinpoint serves.
- Dharma Merchant Services: Independent payment processor offering transparent pricing to SMBs and high-risk merchants including CBD and firearms. Direct competitor in Pinpoint's specialty verticals.
- Stax (formerly Fattmerchant): Subscription-based payment processor targeting SMBs with transparent pricing, interchange-plus models, and omnichannel POS integrations. Directly competes with Pinpoint in the SMB card-present and card-not-present processing space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pinpoint Payments social profiles
Digital presencePinpoint Payments compliance and trust
Trust signalCompliance2 records
Pinpoint Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pinpoint Payments leadership team
Management profileNumber of profiles
Profiles2 records
Pinpoint Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pinpoint 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 Pinpoint Payments
What does Pinpoint Payments do?
Pinpoint Payments is a U.S.-based payment processor (operating as Pinpoint Intelligence, LLC, a registered ISO of Wells Fargo Bank, N.A.) that provides credit and debit card acceptance for retail, eCommerce, and high-risk merchants. Its core bundle combines card processing, a proprietary dual pricing program that can eliminate up to 100% of processing fees, chargeback and fraud prevention, POS hardware solutions, merchant cash advances, and high-risk merchant underwriting with a stated 98% approval rate.
Is Pinpoint Payments a public or private company?
Pinpoint Payments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pinpoint Payments founded?
Pinpoint Payments was founded in 2013. It employs 11 to 50 people.
Where is Pinpoint Payments based?
Pinpoint Payments is headquartered in Miami, United States, in the North America region.
How does Pinpoint Payments make money?
Five revenue lines are on record. Payment Processing / Transaction Fees are the primary driver. The others are POS Hardware and Terminal Sales/Leasing, managed Services / Monthly Account Fees, dual Pricing Program Services and business Capital / Funding.
Who are Pinpoint Payments's main competitors?
Broad incumbents on record are Stripe, Clover Network (Fiserv) and Square (Block). Direct peers are Payment Depot, Helcim, Host Merchant Services, National Processing, High Risk Match, Dharma Merchant Services and Stax (formerly Fattmerchant).
Does Pinpoint Payments have an API?
No public API is recorded for Pinpoint Payments.
What industry is Pinpoint Payments in?
Pinpoint Payments's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance. Its NAICS code is 52232 and its SIC code is 6199.