Zift

What Zift does

Zift, LLC is a privately held U.S. payment technology company founded in 2015 and domiciled in California, operating as a registered Independent Sales Organization/Member Service Provider (ISO/MSP) of Westamerica Bank in Santa Rosa, CA. The company provides a Payments as a Service (PaaS) platform that enables Independent Software Vendors (ISVs), vertical SaaS software platforms, and business management systems to embed payment processing into their products without building payments infrastructure in-house. Its core technology stack consists of a unified RESTful Payment API that supports credit, debit, and ACH transactions from a single integration point, complemented by a Terminal Cloud for EMV-ready POS terminal integration, a Merchant Portal for transaction management, and a Developer Sandbox for integration testing.

The platform's proprietary feature set addresses compliance and integration friction for software partners, including payment tokenization and a "Proxyonization" JavaScript library that reduce PCI scope, recurring billing with stored tokens, merchant account creation automation, white-label customization, and transaction reporting. The go-to-market combines an API-first, developer-centric motion (self-service sandbox and merchant portal) with sales-assisted enterprise conversion through "Request a Demo" and "Get Started" CTAs, plus a growing channel-partner ecosystem. Named partners disclosed on the website are Troomi Wireless, Five Star, Bonafide, Civic Systems, and Pocomos.

Zift generates revenue primarily through transaction fees on payment card and ACH processing routed through its platform, supplemented by subscription or usage-based revenue for API access, developer tools, merchant portals, and terminal cloud services. Pricing is not publicly disclosed; the company operates a quote-based, multi-year contract model tailored to processing volume and feature requirements. No revenue figures, funding rounds, headcount, or management team details are publicly available in the source material.

Name

Zift

Legal name

Zift, LLC

Website

https://ziftpay.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Zift is a privately held U.S. payment technology company providing a Payments as a Service (PaaS) platform and unified Payment API that enables ISVs, vertical SaaS platforms, and business management systems to embed credit, debit, and ACH payment processing into their software without building infrastructure in-house.

Ownership category

akta.pro rank

Product category

Payment Processing Platform (Embedded Payments / Payments-as-a-Service)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Custom Computer Programming Services (541511)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Recurring Billing & Subscription Payments Enablement (FSAMACAF)

Keywords

• Embedded payments platform
• Payments as a service
• Payment processing API
• ISV payment integration
• Vertical SaaS payments

Headquarters

HQ city

Spanish Fork

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Revenue generated from processing payment card and ACH transactions through the unified platform API. The company provides payment infrastructure to ISVs and platforms who then enable their end-users to accept payments.
2. API/Platform Services: Subscription or usage-based revenue from providing API access, developer tools, merchant portals, and terminal cloud services to software platforms.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Zift provides a Payments as a Service (PaaS) platform that enables Independent Software Vendors (ISVs), vertical SaaS software platforms, and business management systems to embed payment processing into their products. The unified Payment API supports EMV card, card-not-present, and ACH transactions, and is complemented by Terminal Cloud for EMV-ready POS terminals, a Merchant Portal, and a Developer Sandbox for integration testing.

Product overview

Zift offers Payments as a Service (PaaS), a unified payment technology platform designed for ISVs, vertical SaaS software platforms, and business management systems. The core offering consists of the PaaS platform powered by a Payment API that enables single-point integration for card and ACH transaction processing. Supporting modules include Terminal Cloud for POS terminal integration, a Merchant Portal for transaction and client management, and a Developer Sandbox for integration testing. The platform supports features including recurring billing, payment tokenization, merchant onboarding, and white-label customization options.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments as a Service (PaaS) Platform Integrated payment solutions platform enabling ISVs, vertical SaaS software platforms, and business management systems to facilitate payments for their end users. Supports merchant account creation, EMV, card-not-present, and ACH payments from a unified platform with white-label customization.
• Zift Payment API RESTful API enabling software platforms and ISVs to integrate payment processing capabilities, including card transactions, ACH transfers, recurring billing, tokenization, and transaction reporting through a single integration point.
• Terminal Cloud Cloud-based POS terminal integration service that connects EMV-ready terminals to applications, enabling retail transactions directly from platform applications. Supports both standalone terminal mode for direct transaction processing and integrated mode with POS systems.
• Merchant Portal Web-based portal for merchants to manage transactions, view deposits, and handle client transaction management directly within the Zift platform.
• Developer Sandbox Testing and development environment allowing developers to build and test payment integrations using sandbox credentials before going live with production credentials.

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

One partnership is on record.

• Westamerica BankcoreOthersZift, LLC is a registered ISO/MSP (Independent Sales Organization/Managed Service Provider) of Westamerica Bank, Santa Rosa, CA. This is a critical banking partnership enabling Zift's payment processing capabilities.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Adyen: Adyen is a global payments platform offering unified online, in-person, and platform processing. Its platform payments offering competes with Zift in embedded payment use cases for larger software platforms.
• Square (Block): Block's Square ecosystem offers integrated payments for software-led businesses and developers, including hardware terminals and APIs. Overlaps Zift in ISV/vertical SaaS payments enablement.
• Authorize.Net: Authorize.Net is a long-standing payment gateway serving ISVs and merchants. Overlaps with Zift's gateway and API capabilities but as a more established, broader-horizon incumbent.
• Stripe (Connect / Issuing): Stripe Connect enables platforms to embed payments and onboard sub-merchants, overlapping Zift's ISV focus but as part of Stripe's much broader payments and fintech infrastructure portfolio.

Direct peers

• Stax (formerly Fattmerchant): Stax offers integrated payment processing and subscription billing primarily for SaaS platforms and ISVs, with developer-friendly APIs and merchant onboarding—directly comparable to Zift's PaaS offering.
• Finix: Finix provides Payments-as-a-Service infrastructure for software platforms, enabling them to embed payments and onboard merchants. Highly comparable to Zift in targeting ISVs and vertical SaaS with API-first payments.
• NMI: NMI provides payment gateway and orchestration infrastructure tailored to ISVs and software platforms, enabling them to embed payment processing—directly overlapping Zift's core product and customer profile.
• WePay (JPMorgan Chase): WePay pioneered embedded payments for software platforms and was acquired by JPMorgan Chase. Closely aligned with Zift's positioning in ISV/vertical SaaS payments enablement.
• USAePay: USAePay offers a payment gateway and developer-friendly API designed for ISVs and software integrators needing to embed card and ACH processing, overlapping Zift's platform-based payment embedding model.

Others

• Westamerica Bank: Banking partner: Zift is a registered ISO/MSP of Westamerica Bank, giving it sponsored access to the card networks. Included because the bank relationship is structurally critical to Zift's processing capability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ziftpay
• Facebookfacebook.com/ziftpay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zift