PayHawk

What PayHawk does

GoPayhawk (legal name GoPayhawk, LLC; brand also referenced as PayHawk) is a privately held Independent Sales Organization (ISO) headquartered in Roswell, Georgia that delivers merchant services and payment processing to small and medium businesses across the United States. Founded in 2015 with 11-50 employees, the company does not own processing infrastructure; instead it operates as a value-added reseller on top of Elavon, a U.S. Bank subsidiary that processes $500B+ annually. The product platform spans credit and debit card processing, payment terminals and POS hardware, business and consumer financing, chargeback protection, and specialized add-ons for high-risk merchants, healthcare providers, and B2B/freight brokerage verticals, backed by more than 200 pre-built software integrations with accounting, ERP, e-commerce, POS, automotive, and healthcare practice management systems. Certifications include PCI DSS compliance, GDPR and CCPA-aligned privacy practices, and HIPAA-aware processing for healthcare merchants.

The business model is primarily transactional: GoPayhawk monetizes a roughly 0.25% + $0.10 markup on interchange pass-through, plus hardware sales and referral fees from financing partners. It offers five pricing structures — Flat Rate, Interchange Plus, Surcharging, Cash Discounting, and Dual Pricing — to accommodate merchants ranging from small-volume retailers to B2B and high-risk accounts. Go-to-market is sales-led through direct outreach, an inside sales team with dedicated account representatives, and an ISO/agent partner network, supplemented by SEO, content marketing, and free tools such as a statement analysis service and four pricing calculators. Revenue, funding, and ownership structure are not publicly disclosed, and the company operates with no institutional capital identified.

Name

PayHawk

Legal name

GoPayhawk, LLC

Website

https://gopayhawk.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Merchant Services & Payment Processing

NAICS

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

SIC

Wholesale-Computers & Peripheral Equipment & Software (5045)

akta.pro primary industry

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

akta.pro secondary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Merchant services
• Payment processing
• Credit card processing
• POS terminals
• High-risk merchant processing

Headquarters

HQ city

Roswell

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based revenue through interchange-plus pricing model, charging approximately 0.25% + $0.10 per transaction. This is the primary revenue stream for the company.
2. Hardware Sales: Sale of payment terminals and card readers to merchants needing physical POS hardware.
3. Financing Services: Referral fees from financing partners offering merchant cash advances and term loans to business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

PayHawk (GoPayhawk) is a merchant services and payment processing platform operating as an Independent Sales Organization (ISO) backed by Elavon (a U.S. Bank subsidiary). It provides credit and debit card processing, POS terminals and hardware, financing referrals, chargeback protection, and specialized high-risk and healthcare payment processing to small and mid-sized U.S. businesses, delivered across five pricing models (Flat Rate, Interchange Plus, Surcharging, Cash Discounting, Dual Pricing) with 200+ software integrations and dedicated human account representatives.

Product overview

GoPayhawk is a merchant services and payment processing platform delivered as an independent sales organization (ISO) backed by Elavon (U.S. Bank subsidiary). The core offering is a unified merchant services platform providing credit and debit card processing, hardware, and payment tools across five flexible pricing models: Flat Rate, Interchange Plus, Surcharging, Cash Discounting, and Dual Pricing. The product portfolio consists of the core GoPayhawk Merchant Services Platform supplemented by Terminals & POS hardware, Financing and Consumer Financing modules, Chargeback Protection, and specialized Healthcare Payment Processing and High-Risk Merchant Processing add-ons. Key enabling modules include Level 2/3 Data Processing, ACH Payments, Invoice Payment Links, and Virtual Terminal. The platform is complemented by a suite of four free calculator tools (Interchange Plus vs. Flat Rate Calculator, Surcharging Savings Calculator, Cash Discount Break-Even Calculator, Chargeback Cost Calculator) and a Free Statement Analysis service. GoPayhawk connects to 200+ third-party integrations including accounting platforms (QuickBooks, Microsoft Dynamics 365, Oracle NetSuite, Xero), e-commerce platforms (WooCommerce, Shopify), payment gateways (NMI, Authorize.Net, Cybersource), and industry-specific practice management systems for healthcare and automotive verticals.

Differentiator

Problem solved

Functional benefit

Products and services

• GoPayhawk Merchant Services Platform Unified merchant services platform providing credit and debit card processing to SMBs across the United States, backed by Elavon (U.S. Bank subsidiary). Includes a dedicated account representative per merchant and access to five pricing models.
• Terminals & POS Physical payment terminals and point-of-sale systems including countertop, mobile, and all-in-one POS systems that accept chip, tap, swipe, and mobile wallet payments. Sold at transparent purchase prices with no equipment leases.
• Financing Business funding solutions delivered through financing partners, including merchant cash advances, term loans, and equipment financing, addressing working capital, expansion funds, and cash flow gaps for merchants.
• Consumer Financing Financing options that allow merchants to offer installment payment plans to their customers at point of sale, reducing collections friction and improving customer satisfaction.
• Chargeback Protection Chargeback management and protection service for merchants with elevated dispute exposure, including monitoring, response management, and prevention strategies to reduce chargeback ratios.
• High-Risk Merchant Processing Specialized payment processing for businesses in 40+ high-risk verticals (CBD, firearms, nutraceuticals, travel, adult entertainment, etc.) that standard processors decline. Features multiple acquiring bank partners, dedicated underwriting, and approval decisions in 24-72 hours.
• B2B Payment Solutions (Level 2/3, ACH, Virtual Terminal, Invoice Payment Links) B2B-focused payment suite including Level 2/3 data submission for lower interchange on corporate cards, ACH bank-to-bank transfers at flat per-transaction fees, virtual terminal for card-not-present / phone orders, and invoice payment links for online invoice collection.
• Healthcare Payment Processing HIPAA-aware payment solutions for healthcare providers including clinics, dental offices, and therapy practices. Supports HSA/FSA acceptance with IIAS compliance, patient payment plans, and interchange optimization for higher-value healthcare transactions.
• Flat Rate Pricing Fixed-percentage pricing model where merchants pay one blended rate on every transaction, simplifying cost prediction for businesses with low volume.
• Interchange Plus Pricing Transparent pricing model where merchants pay the actual card network interchange cost plus a fixed GoPayhawk margin. Level 2/3 data submission enables lower interchange rates for B2B corporate card transactions.
• Surcharging Zero-fee pricing model that allows merchants to pass credit card processing costs to customers via a line-item surcharge (up to 3%), reducing merchant's effective processing cost to near zero on credit card transactions.
• Cash Discounting Zero-fee pricing model displaying two prices — standard price for card customers and discounted cash price. Legal in all 50 states and applies to all payment types including debit.
• Dual Pricing Zero-fee pricing model displaying a higher standard price and offering a lower price for cash or alternative payment methods, providing flexibility for merchants.
• Free Statement Analysis No-obligation review of the merchant's current processor statement calculating effective rate and producing a side-by-side comparison showing what they would pay under GoPayhawk pricing using real transaction data. Free, no commitment, 2-minute upload, 1-day turnaround.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration109 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• ElavoncoreTechnology or IntegrationPrimary processing partner powering all payment transactions. Elavon is a subsidiary of U.S. Bank and provides the core processing infrastructure, terminal network, and security systems for GoPayhawk's payment services.
• Tai SoftwarecoreTechnology or IntegrationRecommended payments partner for freight brokers using Tai TMS platform. Provides integrated payment processing within the transportation management system for logistics companies.
• QuickBooksflagshipTechnology or IntegrationPre-built integration allowing merchants to automatically sync payment data with QuickBooks accounting software for simplified bookkeeping and financial reconciliation.
• Microsoft Dynamics 365flagshipTechnology or IntegrationIntegration with Microsoft's ERP and CRM platform enabling seamless payment processing and financial data synchronization for enterprise customers.
• NCR AlohacoreTechnology or IntegrationPoint-of-sale integration for restaurant and retail businesses using NCR Aloha POS systems, enabling integrated payment processing at the terminal.
• ClovercoreTechnology or IntegrationHardware and software integration with Clover's POS ecosystem, allowing merchants to accept payments through Clover devices.
• Authorize.NetcoreTechnology or IntegrationPayment gateway integration providing e-commerce merchants with secure online payment processing capabilities.
• Financing PartnersminorGTM or Marketing PartnerNetwork of lending partners offering merchant cash advances and term loans to GoPayhawk merchants needing capital for business growth.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stax (formerly Fattmerchant): Stax is a subscription-based payment processor offering interchange-plus pricing and integrated software tools, directly competing with PayHawk in the SMB merchant services market with a similar transparent-pricing value proposition.
• Helcim: Helcim is a payment processor offering interchange-plus pricing, transparent statements, and integrated software to SMBs, competing head-to-head with PayHawk on cost transparency and direct merchant relationships.
• Payment Depot: Payment Depot is a wholesale-style ISO offering interchange-plus pricing with monthly memberships, directly comparable to PayHawk's pricing model and SMB target market.
• National Processing: National Processing is an ISO providing merchant services with multiple pricing models including interchange-plus, directly competing with PayHawk for SMB and mid-market merchants across the U.S.
• CDG Commerce: CDG Commerce is a payment processor focused on SMB and B2B merchants with interchange-plus pricing and Level 2/3 processing, closely matching PayHawk's B2B value proposition and merchant profile.

Broad incumbents

• Block (Square): Square/Block is a major full-stack payment processor with hardware, software, and processing, serving the same SMB market as PayHawk but with significantly broader product scope and direct acquiring capability.
• Stripe: Stripe is a dominant internet-era payments platform serving online and omnichannel merchants; competes with PayHawk especially on e-commerce and software-integrated payment flows for SMBs.
• Clover (Fiserv): Clover is Fiserv's POS hardware and software platform that integrates with multiple ISOs including PayHawk; represents a broad incumbent that PayHawk both partners with and competes against for merchant relationships.
• Toast: Toast is a restaurant-focused POS and payments platform with integrated acquiring, representing a vertical-specific incumbent that competes with PayHawk's NCR Aloha-integrated offering for restaurant merchants.

Emerging players

• Durango Merchant Services: Durango Merchant Services is a smaller ISO offering high-risk and standard merchant processing with interchange-plus pricing, overlapping PayHawk in high-risk vertical specialization at a similar scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/gopayhawk
• Facebookfacebook.com/gopayhawk
• LinkedInlinkedin.com/company/payhawk

Compliance4 records

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&A

Investments

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

Frequently asked questions about PayHawk