What Cloud Payments does

Cloud Payments, LLC is an Austin, Texas-based private technology company that operates a unified digital commerce platform architecture centered on MOMBA (Mobile Open Mesh Banking Architecture), with MoTEAF — a digital transaction processing middleware and micro-services platform developed at a reported cost exceeding $150M — as its foundational layer. The company delivers five integrated solutions: Payment Optimization (proprietary financial switch and algorithms that route transactions to minimize interchange fees, claiming average 20% savings), Digital Marketing and Loyalty (with 7+ campaign styles and StickyStreet as the deployment vehicle), Mobile Commerce (mVault-powered stored value and digital wallets), Data Monetization (mVault Data Management Platform), and Digital Currency (Fundz platform supporting P2P, P2M, and stored value). Cloud Payments monetizes through transaction-based payment processing fees, platform subscription and white-label licensing, data monetization services, loyalty and marketing automation subscriptions, and digital currency licensing, distributing via direct enterprise field sales, a global channel of resellers and agencies in 60+ countries, and a Developer Portal enabling self-service application builds on its APIs.

The company serves a mix of enterprise and mid-market merchants across hospitality, restaurant, retail, e-commerce, financial services, healthcare, and government/education verticals, with named flagship deployments including TK Maxx (loyalty across 400+ UK and Ireland stores, 1.75M+ customers, 20M+ transactions), Vodafone (mobile wallet launched across six European countries), Shell (pay-at-pump across 10,484 US stations and 2,667 EU stations with 1.5M EU transactions), and a partial list of restaurant and healthcare brands. The operating model is highly capital-efficient, with a stated headcount of 1–10 employees and no disclosed external funding, relying instead on an extensive partner network — including systems integrators, agencies (Simsol in Italy, IQ Gecko in Australia/NZ/South Asia, Activate in Canada), and resellers — for geographic and vertical reach. Cloud Payments also markets The Cloud Payment Network, a white-label framework that allows partners and merchants to deploy branded digital commerce experiences backed by the underlying platform.

Strategic positioning emphasizes enterprise-grade scale and compliance (PCI-DSS, tokenization, P2PE encryption), patented stored value technology ("Money Container"), and a data flywheel through mVault aggregation across 75+ deployed ecosystems. The proprietary technology base and integration depth with major global brands constitute defensible moats, while the absence of disclosed revenue, funding, or recent headline customer wins creates visibility constraints for prospective investors.

Name

Cloud Payments

Legal name

Cloud Payments, LLC

Website

https://cloudpayments.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Cloud Payments, LLC operates a digital commerce platform built on its proprietary MoTEAF middleware, offering payment optimization, loyalty, mobile commerce, data monetization, and digital currency solutions to enterprise and mid-market merchants across 60+ countries.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)

akta.pro primary industry

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

akta.pro secondary industries

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Payouts, Disbursements & Marketplace Split Payments (CRAFALAI), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment processing optimization
• Digital commerce platform
• Mobile wallet solutions
• Loyalty program software
• Data monetization platform

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing/Transaction Fees: Fees earned from processing credit and debit card transactions. The platform routes payments through optimal processing providers using proprietary algorithms to achieve lowest interchange fees.
2. Platform Licensing/Subscription: Resellers and partners can resell or white-label the Cloud Payments Developer Platform. Revenue from platform access, developer tools, and white-label deployments under private label brand.
3. Data Monetization Services: mVault data management platform helps clients monetize customer data while Cloud Payments manages, aggregates, and creates new revenue streams from commercial value of data.
4. Loyalty and Marketing Solutions: Loyalty programs, stored value (gift cards), offers, and digital marketing campaign management. Revenue from marketing automation, campaign creation, targeting, and tracking services.
5. Digital Currency Services: Fundz digital money management platform deployed via enterprise partnerships. White-label support enables large scale operations for businesses to target next generation consumers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Cloud Payments provides a digital commerce platform built on the patented MOMBA architecture and MoTEAF middleware, offering payment processing optimization, mobile wallet/digital currency (Fundz), loyalty programs (StickyStreet), data monetization (mVault), and digital marketing solutions. The platform is delivered via APIs, white-label deployments, and a Developer Portal serving enterprises, retailers, restaurants, hospitality businesses, and channel partners globally across 60+ countries.

Product overview

Cloud Payments offers a unified digital commerce platform architecture built on MOMBA (Mobile Open Mesh Banking Architecture) with MoTEAF as its core technology foundation. The platform integrates multiple solutions: Payment Optimization (leveraging predictive analytics algorithms to lower processing fees), Digital Marketing (with modular loyalty and offer engines), Mobile Commerce (powered by mVault stored value technology), Data Monetization (via mVault data management), and Digital Currency (through the Fundz platform enabling P2P/P2M payments). The company's Developer Portal enables partners to build custom digital commerce applications using extensive APIs. Key sub-brands include StickyStreet for loyalty programs.

Differentiator

Problem solved

Functional benefit

Brands

• Fundz®: Digital money management platform enabling consumers and brands to transition from legacy systems to contactless digital currency payments as part of a Digital Economy.
• mVault®
• StickyStreet®
• MoTEAF®
• MOMBA

Products and services

• Payment Optimization Solution that optimizes interchange classification through predictive analytics and proprietary algorithms, routing payments through a financial switch connected to multiple processing providers to significantly lower payment processing fees (averaging 20% savings).
• Digital Marketing Single integration point offering mobile payments, loyalty programs, offers and ads with modular loyalty and offer engines for speed-to-market deployment across merchants and enterprises.
• Mobile Commerce Mobile wallet ecosystem utilizing mVault stored value technology enabling secure, encrypted digital currency transfers between people and businesses in a contactless manner.
• Data Monetization Solution leveraging mVault to capture customer interaction data across channels, aggregate it for digital marketing programs, and create new revenue streams from commercial data value.
• Digital Currency Fundz digital money management solution enabling P2P and P2M payments, shared funds, digital currency cards, and loyalty rewards within the Fundz digital ecosystem, available via white-label for enterprise partners.
• Loyalty Platform Cloud-based loyalty platform enabling merchants to acquire, retain, and monetize customers through customizable campaign styles including points programs, gift cards, Buy x Get X, Two-Tier, and coalition programs.
• Developer's Platform and Portal API-based cloud platform enabling developers, resellers, system integrators, and agencies to quickly build and deploy branded digital commerce applications with out-of-the-box tools, pre-built micro-services, and Loyalty APIs.

Quantifiable outcome

• Average 20% reduction in payment processing fees
• +6 more outcomes

Named customers15 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Systems IntegratorscoreImplementation/ SI/ Consulting PartnerSystems integrators leverage the Cloud Payments platform to quickly and cost-effectively build secure and scalable digital commerce apps for their clients. The open API-based platform enables integration with existing infrastructure and deployment options including cloud hosting or on-premise.
• Marketing AgenciescoreChannel Partner/ Reseller/ DistributorAgencies (60+ countries) augment their existing services by adding payment optimization, loyalty, and offers. They create new revenue streams through consulting services, platform implementation, and recurring monthly subscriptions. Agencies operate internationally by country/region or focus on specific industry verticals.
• ResellerscoreChannel Partner/ Reseller/ DistributorResellers can resell the Cloud Payments Developer Platform or white-label it under their own brand. The open API-based platform allows combining with other services. Flexible terms enable deployment either on-premise for clients or via Cloud Payments hosting.
• DeveloperscoreTechnology or IntegrationDeveloper ecosystem enabled through Developer Portal providing access to digital commerce platform and frameworks. Developers can build and deploy applications using extensive APIs, frameworks for speed to market, supporting Ruby, Java, PHP with git deployment.
• SimsolminorChannel Partner/ Reseller/ DistributorItalian agency in Rome that augmented their existing small business marketing services by adding loyalty programs using Cloud Payments Loyalty Engine APIs. Created ROI tracking for merchant advertising campaigns.
• IQ GeckominorChannel Partner/ Reseller/ DistributorAustralian payments and loyalty company focusing on large retailers. Uses Cloud Payments loyalty engine as source of truth for transaction history and customer data. Now sub-licenses solution to agencies in New Zealand and South Asia.
• ActivateminorChannel Partner/ Reseller/ DistributorCanadian loyalty-based startup that built a marketing company around data from loyalty programs using Cloud Payments platform. Focuses on North America with clientele spanning 12 languages and 60 countries.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Toast: Toast is a cloud-based payments and operating system purpose-built for restaurants. Cloud Payments lists multiple restaurant brands (Bertucci's, Earl of Sandwich, Planet Hollywood, Buca di Beppo, Brio, Bravo, Chicken Guy) as clients, placing them in directly comparable restaurant payments territory.
• Stripe: Stripe is the dominant API-first payment processing platform serving developers and enterprises globally. Cloud Payments' Developer Portal, white-label API platform, payment optimization, and global multi-country ambitions closely mirror Stripe's core positioning.
• Marqeta: Marqeta is a modern card-issuing and payment processing API platform powering embedded payments for fintechs and brands. Cloud Payments' white-label API-first platform, Fundz digital currency offering, and partner-driven distribution closely parallel Marqeta's BaaS model.
• Lightspeed Commerce: Lightspeed provides cloud-based POS, payments, and commerce solutions for retail and hospitality merchants. Cloud Payments' hospitality, retail, and restaurant verticals and integrated payment optimization map closely to Lightspeed's bundled commerce suite.
• Block (Square): Block/Square provides integrated payments, point-of-sale, and software services to merchants, with strong focus on restaurants and retail SMBs. The overlap with Cloud Payments' restaurant client list and bundled commerce software is significant.
• Olo: Olo is a digital commerce platform for restaurant brands, providing ordering, payments, and guest engagement. Cloud Payments' restaurant vertical focus and loyalty/mobile wallet capabilities overlap directly with Olo's enterprise restaurant offering.
• Adyen: Adyen is a global enterprise payment processor offering unified commerce across channels and geographies with interchange optimization. Cloud Payments targets the same enterprise merchant segment with similar cross-border processing and interchange-fee reduction claims.

Broad incumbents

• Worldpay (FIS): Worldpay, part of FIS, is a large incumbent payment processor serving enterprise merchants globally. Cloud Payments competes for the same enterprise merchant optimization budget against Worldpay's established processing and routing capabilities.
• PayPal: PayPal is a broad incumbent in digital payments, mobile wallets, and merchant processing. Cloud Payments' mobile wallet deployments (e.g., Vodafone wallet supporting ApplePay/PayPal/AndroidPay at Shell stations) sit in PayPal's core competitive footprint.

Emerging players

• Spreedly: Spreedly provides payment orchestration and optimization infrastructure, routing transactions across multiple gateways to optimize cost and reliability. Cloud Payments' interchange-classification optimization algorithms and multi-processor financial switch serve a substantially similar orchestration use case.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/CloudPayNet
• LinkedInlinkedin.com/company/cloud-payments-network

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

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 Cloud Payments