OmniPayments

What OmniPayments does

OmniPayments is a privately held payment-switching software company that provides transaction processing infrastructure to financial institutions, merchants, and payment processors. Founded in 1995 and headquartered in San Juan, Puerto Rico with operational offices in Campbell (CA), Plano (TX), Mexico City, and three Indian engineering sites (Mumbai, Pune, Nashik), the company sells a component-based modular platform branded as "The Omnis." Its modules include OmniSwitch (transaction switching, tested at 5,000+ TPS on a 4-CPU HPE NonStopX machine), OmniPOS and OmniATM (terminal management), OmniAuth (preauthorization), OmniCrypto/OmniSecurity (HSM-backed cryptographic functions), Fraud Blocker (real-time fraud detection with sandbox testing), OmniReplicator (Active/Active or Active/Passive data replication), OmniCompensator (clearing and settlement), OmniDash (real-time dashboards), OmniUI (transaction logs and settlement extracts), and User Exits (customization layer). The software runs on HPE NonStop fault-tolerant servers in C with ISO 8583 message processing, and is certified to PCI DSS 4.0, PCI PIN, and PCI SCF.

The company monetizes through three pricing models: a one-time per-CPU perpetual license for on-premise deployments (with mandatory annual support, guaranteeing 50% savings versus transaction-based pricing), a SaaS subscription on its OmniCloudX private cloud starting at $5,000/month, and a transaction-based alternative. It sells direct to enterprise customers via a regional sales team (US, LAC, APAC, EMEA) and supports deployments through implementation partners including Opsol. Named enterprise customers include JCPenney, Casa Ley (since 2012, 99.99% availability), Synchrony Bank, and Union Bank of Taiwan. OpenAPIs expose core banking, P2P, B2B, and POS endpoints for third-party integration.

The company is founder-controlled with no disclosed external funding. Yash Kapadia serves as Director General. Long-tenured customer relationships (a decade or more for Casa Ley and JCPenney), regulatory certifications, and a fault-tolerant proprietary stack are the primary defensibility anchors, while the OmniCloudX SaaS launch and India engineering buildout indicate an active push to expand addressable market and delivery capacity beyond the traditional on-premise base.

Name

OmniPayments

Legal name

OmniPayments LLC

Website

https://omnipayments.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

OmniPayments provides component-based payment switching software for financial institutions, merchants, and processors, built on HPE NonStop fault-tolerant servers. It sells perpetual on-premise licenses and OmniCloudX SaaS to enterprise customers globally, anchored by JCPenney, Casa Ley, Synchrony Bank, and Union Bank of Taiwan.

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-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Omnichannel Acquirers (Unified In-store + Online) (FSAMABAH)

akta.pro secondary industries

POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment switching software
• Transaction processing platform
• Payment fraud detection
• POS terminal management
• Payment clearing settlement

Headquarters

HQ city

Campbell

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software License (On-Premise): Per-CPU license for HPE NonStop servers. License is sold per CPU and each CPU on the system needs to be licensed. An upgrade license is required when hardware is changed. Annual support must be contracted for the duration of the term.
2. SaaS Subscription (OmniCloudX): Monthly subscription model starting at $5,000/month for the OmniCloudX private cloud solution. Provides accessible solutions to mid-size retailers, fintechs and processors with state-of-the-art redundant and secure data centers.
3. Transaction-Based Pricing: Alternative pricing model where total cost of ownership is reduced due to savings in license fees compared to transaction-based systems. The pricing model is based on the number of HPE NonStop processors used in the OmniPayments servers.
4. Professional Services: Administration services where OmniPayments manages the solution in production for clients who prefer, removing the operational burden from customers. Implementation support from partners like Opsol is provided during deployment.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

OmniPayments is a payment software company that develops component-based payment processing and switching solutions built on the HPE NonStop fault-tolerant platform. It offers an on-premise software license (per-CPU) and a private cloud SaaS deployment (OmniCloudX) for banks, merchants, and payment processors, covering transaction authorization, clearing and settlement, ATM/POS terminal management, preauthorization, cryptography/tokenization, real-time fraud detection, and operational dashboards.

Product overview

OmniPayments is a component-based payment software platform built on The Omnis architecture, offering a modular product portfolio centered around the OmniSwitch transaction switching core. The platform includes specialized modules for different market segments: OmniPOS and OmniATM for terminal management, OmniAuth for preauthorization, OmniCrypto/OmniSecurity for cryptographic functions and tokenization, Fraud Blocker for real-time fraud detection, OmniUI for transaction logging and troubleshooting, OmniDash for dashboards and monitoring, OmniReplicator for data replication, and OmniCompensator for clearing and settlement. Deployment options include on-premise (CAPEX) and OmniCloudX SaaS/private cloud (OPEX). The software is developed in C and runs on HPE NonStop fault-tolerant servers.

Differentiator

Problem solved

Functional benefit

Brands

• OmniCloudX: SaaS payment solution in private cloud for retailers, fintechs, and processors
• The Omnis

Products and services

• The Omnis Component-based payment software platform that allows financial institutions, merchants, and processors to develop and deploy flexible payment services quickly. The Omnis modules interact with each other and with existing in-house systems and third-party solutions.
• OmniCloudX Private cloud SaaS payment processing solution combining OmniPayments software with HPE NonStopX fault-tolerant servers, designed to make payment infrastructure accessible to mid-size retailers, fintechs, and processors.
• OmniSwitch Transaction switching module that processes acquiring and issuing transaction messages and applies rules and routing decisions on-us and not-on-us according to unique configurations; tested for more than 5,000 TPS on a 4-CPU HPE NonStopX machine.
• OmniPOS Terminal management module giving merchants the ability to directly control a POS terminal network, providing merchant settlement and reporting, and mediating communication between the POS terminal network and authorization applications.
• OmniATM ATM terminal management module that gives banks the ability to directly control an ATM terminal network, serving as the front end and mediating communication between ATM devices and authorization applications.
• OmniAuth Preauthorization engine that removes significant processing load from issuing banks by applying rules to numerous classifications of transaction sources before transactions are sent in real-time to the financial institution's core for final response.
• OmniCrypto Security broker module that manages PINs, files, tokenization, keys, and digital certificates, sets up HSM modules for encryption and decryption, validates PINs for transactions, and defines credentials for email report delivery.
• Fraud Blocker Fraud detection engine that blocks perceived fraudulent transactions in real-time and tests rules in a Sandbox environment before deployment to production.
• OmniUI Transaction log module that assists administrators in troubleshooting transactions and provides a Settlement Extract File representing the cumulative transaction set of all logging points for transaction liquidation.
• OmniDash Dashboard module that enables managers to monitor business performance with graphical summaries of transaction data and real-time monitoring of payment operations.
• OmniReplicator Data replication module that runs in Active/Passive or Active/Active configurations using NonStop audit trails to trigger replication for reliable data management and disaster recovery.
• OmniCompensator Clearing and settlement module that handles the clearing process (exchange of financial details between parties) and the settlement process (funds transferred from cardholder's bank to merchant's bank).

Quantifiable outcome

• 99.99% availability achieved for Casa Ley since 2012
• +4 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature12 records

Partnerships

Two partnerships are on record, tiered core.

• HPE (Hewlett Packard Enterprise)coreTechnology or IntegrationStrategic technology partnership where OmniPayments software runs on HPE NonStopX fault tolerant servers. The joint offering provides accessible payment solutions to mid-size retailers, fintechs and processors with mission-critical reliability.
• OpsolcoreImplementation/ SI/ Consulting PartnerImplementation partner that committed to providing support for the OmniPayments system during implementation and deployment at Casa Ley, without charging daily fees for this support. Assisted with migration from legacy payment switch.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Stripe: Stripe provides cloud-based payment infrastructure for internet businesses and platforms. While more developer-focused, Stripe targets the same mid-size merchants and fintechs that OmniPayments' OmniCloudX SaaS is positioned to serve, with a stronger developer experience and global reach.
• Adyen: Adyen is a global, cloud-native payment platform serving large merchants with unified online, in-store, and platform payments. Competes for the same merchant and processor customers as OmniPayments' OmniSwitch + OmniCloudX, with a more modern cloud-native architecture.
• Spreedly: Spreedly provides payment orchestration and infrastructure APIs for merchants and platforms. Highly comparable to OmniPayments' payment orchestration/infrastructure positioning, but focused on cloud-native, API-first delivery rather than on-premise switching.

Direct peers

• OpenWay: OpenWay is a payment software vendor specializing in card and digital payment processing platforms (WAY4) used by banks, processors, and fintechs globally. Highly comparable as a payment switch and processing platform vendor.
• ACI Worldwide: ACI Worldwide provides real-time electronic payment processing software and services to banks, merchants, and processors — directly comparable to OmniPayments' OmniSwitch switching core. Both serve banks, processors, and merchants with mission-critical payment software.

Broad incumbents

• NCR Atleos: NCR Atleos is a global ATM and payment technology provider spun out of NCR, serving banks and retailers. Comparable in the ATM/branch payment software space (overlapping with OmniATM), though operating at much larger scale with hardware-led offerings.
• Diebold Nixdorf: Diebold Nixdorf provides ATM and POS hardware/software for banks and retailers globally. Comparable in serving the ATM/POS terminal management space (overlapping with OmniPayments' OmniATM and OmniPOS modules) but as a much larger incumbent focused on hardware.
• Finastra: Finastra offers a broad portfolio of financial software including payment processing, core banking, and treasury solutions used by large banks. Comparable in serving large financial institutions with payment infrastructure, though operating at significantly greater scale and breadth.
• Fiserv: Fiserv is a major global payments and financial services technology provider with merchant acquiring, issuer solutions, and bank processing. Comparable in serving the same end markets (banks, merchants, processors) but at vastly greater scale and with a much broader product portfolio.
• FIS (Fidelity National Information Services): FIS provides banking, payments, and capital markets technology, including payment processing for large financial institutions. Operates broadly across the same end markets as OmniPayments but as a much larger incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/omnipaymentsllc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 OmniPayments