FinTech Payments

What FinTech Payments does

FinTech Payments is a Nashville, Tennessee-based payment services company founded in 2021 that operates as a registered MSP/ISO (Merchant Service Provider / Independent Sales Organization) of multiple third-party payment processors including Elavon, EPX, and banking partners such as Wells Fargo Bank, The Bancorp Bank, BMO Harris N.A., and Fifth Third Bank, N.A. Rather than building proprietary payment infrastructure, the company aggregates and resells payment processing, point-of-sale systems, e-commerce platforms, ERP/CRM software, and adjacent fintech services — payroll through Netchex, business lending through a Lendio-powered marketplace of 75+ lenders, and digital marketing services — under a single merchant-facing relationship distributed through an agent/ISO network.

The technology stack is entirely partner-provided: payment processing is routed through Worldpay, Elavon, Fiserv, Global Payments, TSYS, Paya, ReliaFund, and Factor4; gateways include NMI, USAePay, Authorize.net, Dejavoo/DejaPay Pro, SwipeSimple, Fluidpay, Converge Pay, and Bluefin (the latter two adding PCI-validated P2PE and cloud-native capabilities); POS systems span Clover, Talech, TouchBistro, Korona, Union POS, GoodsTech, Genius, Quantic, and iPos; and the business software layer integrates NetSuite, Salesforce, Microsoft Dynamics GP and 365, Acumatica, Sage 100, Invoice Caddy, fieldCADDY, LQpay, and Lodgify. The company's only branded proprietary offering is FT Freedom (Dual Pricing), a cash-versus-card pricing program, supported by the IRIS agent portal.

Revenue is generated across four streams: transaction-fee residuals from payment processing (the core), recurring subscriptions on POS and business software, professional services fees from the digital marketing division, and affiliate/referral fees from the lending marketplace. Pricing is quote-based across three programs — Interchange Plus, Flat Rate, and FT Freedom — and is not publicly disclosed. The go-to-market combines direct sales ('Talk With Us', 'Free Payments Review' CTAs targeting larger merchants) with a recruited agent/ISO channel targeting SMBs across at least ten verticals including retail, e-commerce, restaurants, healthcare, field services, pharmacies, B2B, petroleum, and nonprofits. The leadership team comprises CEO Justin Whaley, COO Lauren Stephens, CFO & Managing Partner Coleton Bragg, CMO Jeff Hubrig, and VP of Partner Development Ed Burris.

Name

FinTech Payments

Legal name

FinTech Payments

Website

https://fintechpayments.io

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

FinTech Payments is a Nashville-based payment services company (founded 2021) that aggregates and resells payment processing, POS, ERP/CRM software, payroll, lending, and digital marketing through an agent network, serving SMB merchants across multiple US verticals as a registered MSP/ISO.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Fintech & Payments Partner / ISO Referral Networks (FSAEAMAK), Billing, Subscription & Revenue Management Infrastructure (FSAGABAM)

Keywords

• Payment processing
• Merchant services
• POS systems
• Business lending marketplace
• Digital marketing services

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Revenue generated from transaction fees and interchange fees on credit/debit card payments processed for merchants. FinTech Payments acts as a registered MSP/ISO of multiple payment processors including Elavon, EPX, and various banks.
2. Software Subscriptions: Recurring subscription revenue from POS systems, ERP integrations, payroll services, and field service management software. Partners include Talech, Korona, GoodsTech, Clover, NetSuite, Salesforce, Acumatica, Microsoft Dynamics, Sage, and others.
3. Digital Marketing Services: Professional services revenue from their digital marketing division offering website development, SEO, PPC management, social media marketing, and email marketing services to merchants.
4. Lending Marketplace: Referral fees from the lending marketplace connecting merchants with 75+ lenders for SBA loans, lines of credit, equipment loans, and term loans. Powered by Lendio platform.
5. Payroll Services: Revenue from full-service payroll processing through Netchex partnership, including tax filing, direct deposit, and HR services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

FinTech Payments is a payment processing aggregator and registered MSP/ISO that resells and integrates third-party payment processing, POS, ERP/CRM, e-commerce, payroll, and lending solutions to US-based merchants. The company acts as the merchant-facing single point of contact, combining direct sales and an agent/ISO reseller channel under its IRIS agent portal. Beyond payments, it bundles digital marketing services (SEO, PPC, social, email, web development) and operates a dual-pricing program (FT Freedom) and a Lendio-powered lending marketplace as differentiated offerings.

Product overview

FinTech Payments is a comprehensive payment processing and business solutions provider offering a multi-product portfolio organized into six main categories: Payments (payment gateways and processors), Point-of-Sale (POS systems for retail and restaurants), E-commerce (platform integrations), Digital Marketing (SEO, PPC, social media, email), Software (ERP/CRM integrations), and Payroll/Lending services. The company does not offer a single unified product but rather serves as a reseller and integrator of third-party payment and business solutions. Core payment products include multiple gateways (DejaPay Pro, SwipeSimple, NMI, Authorize.net, USAePay, Fluidpay, Converge Pay, Bluefin) and POS systems (Talech, Korona, GoodsTech, Union POS, Clover, Quantic POS, Genius POS, TouchBistro). The ecosystem extends to e-commerce platforms (WooCommerce, BigCommerce, Magento, Shopify Plus), business software (NetSuite, Acumatica, Microsoft Dynamics GP/365, Sage 100, Salesforce, Invoice Caddy, fieldCADDY, LQpay, Lodgify), digital marketing services, and payroll/lending marketplaces. Pricing programs include Interchange Plus, Flat Rate, and FT Freedom dual pricing options.

Differentiator

Problem solved

Functional benefit

Brands

• FT Freedom: Dual pricing program offering flexible payment options for merchants.
• IRIS
• DejaPay Pro

Products and services

• Payment Processing Services Core credit and debit card transaction processing for merchants, delivered through FinTech Payments' registered MSP/ISO relationships with multiple processors and used across in-store, online, and mobile channels by US SMB and mid-market merchants.
• DejaPay Pro Mobile and device-based payment processing solution from Dejavoo supporting SKUs, Bluetooth barcode scanners, weight scale conversions, and advanced features for restaurants and retail merchants.
• SwipeSimple Mobile payment processing tool enabling credit card acceptance in person, online, or on the go for small businesses with integrated invoicing and customer management.
• NMI Unified, scalable payments platform for online marketplaces and subscription services offering frictionless payment experiences across online, in-app, and in-person channels.
• Authorize.net Payment platform supporting online, mobile, and in-store transactions with credit cards, debit cards, eChecks, digital wallets, automated invoicing, and recurring billing.
• USAePay Payment gateway with APIs, SDKs, and developer tools enabling seamless payment acceptance across channels with merchant and reseller solutions.
• Fluidpay 100% cloud-based payment gateway with white-label options, Level 1 PCI compliance, multi-data center redundancy, and machine learning fraud prevention.
• Converge Pay Complete payment platform from Elavon for online, in-store, phone, and mobile payments with real-time transaction tracking, invoicing, and recurring billing.
• Bluefin Security-focused payment gateway built on PCI-validated point-to-point encryption (P2PE), vaultless tokenization, and proxy-based orchestration for omnichannel security.
• Talech Point-of-sale solution for restaurants, retailers, and service industry with countertop, mobile, handheld, and online ordering capabilities.
• Korona POS Cloud-based POS for retail with advanced inventory management, QSR capabilities for cafes and bakeries, and ticketing platform with turnstile integration.
• GoodsTech Retail POS and inventory management software with high-speed barcode scanning, offline mode, self-checkout, purchase orders, and warehouse management.
• Union POS Modern hospitality operating system for bars and restaurants featuring staff efficiency tools, consumer mobile app for ordering, and brand engagement through OnPrem Impact Network.
• Clover Flexible POS system for restaurants, retail, and service businesses with countertop stations, handheld devices, KDS, online shop, and app marketplace.
• Quantic POS Cloud-based POS for restaurants and retail with white-label options, omni-channel operations, KDS, self-ordering kiosks, and processor-agnostic payment flexibility.
• Genius POS Retail POS system for inventory tracking, customer management, and payment processing with countertop, handheld, and online payment options.
• TouchBistro All-in-one restaurant management POS with front-of-house, back-of-house, and guest engagement solutions including tableside ordering, inventory, KDS, loyalty, and online ordering.
• iPos All-in-one platform for inventory, sales, and customer management with real-time reporting, multi-location support, and loyalty programs.
• Shopify Plus Enterprise-level Shopify platform for high-volume merchants with advanced automation and scalability.
• WooCommerce WordPress e-commerce plugin for online store setup with inventory, payments, marketing, and customer engagement integration.
• BigCommerce Enterprise e-commerce platform for scalable online stores with integrated inventory, payments, and marketing tools.
• Magento (Adobe Commerce) Enterprise e-commerce platform for large-scale online retail operations with comprehensive customization and integrations.
• NetSuite Cloud ERP for 40,000+ customers providing AI-powered business management with ERP/Financials, CRM, and e-commerce in a unified platform.
• Acumatica Cloud ERP offering intuitive UI, real-time business insights, flexible licensing, and compliance (GDPR, SOC Type 1 & 2, PCI DSS).
• Microsoft Dynamics GP Business management solution for small to mid-sized businesses automating financial, supply chain, and operational processes with security and compliance tools.
• Microsoft Dynamics 365 Finance & Operations Modern ERP for financial and business operations with comprehensive financial management, supply chain, inventory, project, and resource management capabilities.
• Sage 100 Trusted ERP for small and mid-sized businesses with financial management, customizable inventory management, and integrated CRM.
• Salesforce World's #1 cloud CRM platform for customer relationship management, sales automation, marketing automation with Marketing Cloud, and Einstein AI analytics.

Quantifiable outcome

• Soft credit pull for lending applications
• +2 more outcomes

Segments10 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration38 records

AI capability5 records

Feature1 record

Partnerships

40 partnerships are on record, tiered core.

• WorldpaycoreTechnology or IntegrationWorldpay is one of the leading payment processors integrated into FinTech Payments' platform, providing payment processing services for merchants across all channels including card-present and card-not-present transactions.
• ElavoncoreTechnology or IntegrationElavon is a primary payment processor partner. FinTech Payments is a registered MSP/ISO of Elavon, Inc., a wholly owned subsidiary of U.S. Bancorp, Minneapolis, Minnesota.
• FiservcoreTechnology or IntegrationFiserv provides payment processing infrastructure integrated with FinTech Payments' merchant solutions.
• Global PaymentscoreTechnology or IntegrationGlobal Payments is a major payment processor integrated into the FinTech Payments platform for merchant card processing.
• TSYScoreTechnology or IntegrationTSYS (now part of Global Payments) provides payment processing services integrated with FinTech Payments' merchant solutions.
• PayacoreTechnology or IntegrationPaya provides payment processing services integrated with FinTech Payments' platform for merchants.
• EPXcoreTechnology or IntegrationFinTech Payments is a registered MSP of EPX (Electronic Payments Exchange) and provides their payment processing services.
• ReliaFundcoreTechnology or IntegrationReliaFund provides payment processing infrastructure integrated with FinTech Payments' merchant solutions.
• NMI (Network Merchants Inc.)coreTechnology or IntegrationNMI provides payment gateway services enabling merchants to accept card-not-present transactions securely through their e-commerce platforms.
• Authorize.netcoreTechnology or IntegrationAuthorize.net is a leading payment gateway integrated with FinTech Payments, providing merchants with online payment processing, invoicing, and fraud detection.
• USAePaycoreTechnology or IntegrationUSAePay provides payment gateway services for merchants, offering secure transaction processing, ACH processing, and developer APIs.
• DejavoocoreTechnology or IntegrationDejavoo provides point-of-sale terminals and the DejaPay Pro software solution integrated with FinTech Payments for countertop and mobile payment acceptance.
• BluefincoreTechnology or IntegrationBluefin provides security-first payment infrastructure with PCI-validated point-to-point encryption (P2PE) and vaultless tokenization to protect merchant transactions.
• Converge PaycoreTechnology or IntegrationConverge is a complete payment platform from Elavon that lets merchants accept payments online, in person, by mail, or over the phone.
• TalechcoreTechnology or IntegrationTalech provides cloud-based point-of-sale solutions for restaurants, retailers, and service businesses, integrated with FinTech Payments for card processing.
• ClovercoreTechnology or IntegrationClover offers a powerful POS system for restaurants, retail, and service businesses with hardware options including countertop stations, handhelds, and KDS.
• Union POScoreTechnology or IntegrationUnion POS is a modern hospitality operating system for bars and restaurants featuring data-driven insights, mobile ordering, and loyalty programs.
• TouchBistrocoreTechnology or IntegrationTouchBistro is an all-in-one POS and restaurant management system with front-of-house, back-of-house, and guest engagement features.
• KoronacoreTechnology or IntegrationKorona POS provides cloud-based point-of-sale solutions for retail, QSR, and ticketing businesses with advanced inventory management.
• Genius POScoreTechnology or IntegrationGenius is a retail POS system designed for busy store owners to track inventory, manage customers, and accept payments in-store, online, or on the move.
• Quantic POScoreTechnology or IntegrationQuantic POS provides flexible, cloud-based point-of-sale systems for restaurants, retail stores, and service providers with white-label options.
• SwipeSimplecoreTechnology or IntegrationSwipeSimple provides mobile payment solutions for small businesses including card readers, terminal devices, and payment processing trusted by 125,000+ merchants.
• GoodsTechcoreTechnology or IntegrationGoodsTech develops POS and inventory management software for retail businesses with features including high-speed scanning, self-checkout, and warehouse management.
• Shopify PluscoreTechnology or IntegrationShopify Plus is an enterprise e-commerce platform integrated with FinTech Payments for seamless online payment processing.
• WooCommercecoreTechnology or IntegrationWooCommerce is a popular open-source e-commerce platform integrated with FinTech Payments for WordPress-based online stores.
• BigCommercecoreTechnology or IntegrationBigCommerce is a SaaS e-commerce platform integrated with FinTech Payments for scalable online retail solutions.
• MagentocoreTechnology or IntegrationMagento (Adobe Commerce) is an enterprise e-commerce platform integrated with FinTech Payments for complex online retail requirements.
• NetSuitecoreTechnology or IntegrationNetSuite is the #1 cloud ERP with over 40,000 customers, integrated with FinTech Payments for unified financial management, CRM, and e-commerce.
• SalesforcecoreTechnology or IntegrationSalesforce, the world's #1 CRM platform, is integrated with FinTech Payments for customer relationship management, sales automation, and analytics.
• Microsoft Dynamics 365coreTechnology or IntegrationMicrosoft Dynamics 365 Finance & Operations is integrated with FinTech Payments for comprehensive financial management and business operations.
• Microsoft Dynamics GPcoreTechnology or IntegrationMicrosoft Dynamics GP is an all-in-one business management solution for small to mid-sized businesses integrated with FinTech Payments.
• AcumaticacoreTechnology or IntegrationAcumatica Cloud ERP is integrated with FinTech Payments, offering the highest customer satisfaction rating in the industry for midmarket companies.
• Sage 100coreTechnology or IntegrationSage 100 is an ERP built for small and mid-sized businesses, integrated with FinTech Payments for financial management and accounting.
• Invoice CaddycoreTechnology or IntegrationInvoice Caddy provides invoice generation and payment recording solutions that integrate with QuickBooks and support dual pricing.
• fieldCADDYcoreTechnology or IntegrationfieldCADDY is an AI-powered field service management software for scheduling, technician tracking, and inventory management, integrated with FinTech Payments.
• LQpaycoreTechnology or IntegrationLQpay revolutionizes healthcare payments with end-to-end payment automation for medical, dental, and multi-specialty practices.
• LodgifycoreTechnology or IntegrationLodgify is vacation rental property management software integrated with FinTech Payments for short-term rental businesses.
• StrictlyZerocoreTechnology or IntegrationStrictlyZero helps merchants achieve 100% compliance with dual pricing models to save up to 100% of credit card processing fees.
• LendiocoreTechnology or IntegrationLendio powers the FinTech Payments lending marketplace connecting merchants with 75+ lenders for SBA loans, lines of credit, equipment loans, and term loans. Applications take 15 minutes with soft credit pull and approvals in as little as 24 hours.
• NetchexcoreTechnology or IntegrationNetchex provides cloud-based HR and payroll management solutions integrated with FinTech Payments, offering payroll, tax filing, benefits administration, and employee engagement tools.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• SpotOn: SpotOn is a fast-growing POS + payments + payroll platform for restaurants and SMBs — overlapping FinTech Payments' hospitality and SMB-bundle play with a more vertically-integrated technology stack.

Broad incumbents

• Square (Block): Square (Block) is a broad incumbent in SMB payments offering hardware (Clover-adjacent), POS software, payroll, capital/lending, and marketing — competing with FinTech Payments end-to-end but with proprietary rails rather than reseller economics.
• Toast: Toast is a broad incumbent vertical SaaS-plus-payments platform focused on restaurants — directly competing with FinTech Payments' restaurant/hospitality segment (TouchBistro, Clover, Union POS integrations) and offering lending and payroll extensions.
• Fiserv (Clover/Omaha): Fiserv is a top-tier global payments processor and a sponsor of multiple ISOs (including FinTech Payments' Elavon and various bank partnerships), while also operating the Clover POS system — overlapping FinTech Payments' merchant services directly.

Direct peers

• National Processing: National Processing is a registered ISO/agent-focused payment processor competing with FinTech Payments on residual-based merchant services, multi-processor routing (Elavon, Global Payments, Worldpay), and SMB software bundling.
• Payment Depot: Payment Depot is a direct ISO peer operating a wholesale-style payment processing model for SMBs with interchange-plus pricing, agent/partner distribution, and bundled POS integrations — closely aligned to FinTech Payments' reseller/multi-processor model.
• Helcim: Helcim is an SMB-focused payment processor offering transparent interchange-plus pricing, multi-channel card acceptance, and integrated business tools. It competes head-to-head with FinTech Payments in the small-merchant payments and software-bundled segment.
• Fattmerchant: Fattmerchant (now part of Stax) was a direct ISO peer offering subscription pricing with interchange-plus payment processing for SMBs, plus integrated POS and software — operating the same high-touch reseller/agent model targeting small and mid-sized businesses.
• Host Merchant Services: Host Merchant Services is an ISO/MSP offering payment processing for SMBs with interchange-plus pricing, agent distribution, and POS integrations — closely mirroring FinTech Payments' merchant-services-aggregator profile.
• Stax Payments: Stax is a direct ISO/MSP competitor offering subscription-based payment processing with interchange-plus pricing for SMB merchants, providing POS integrations and software bundles — operating in the same niche payment-reseller segment with similar pricing programs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/FT_Payments
• Facebookfacebook.com/ftpayments
• LinkedInlinkedin.com/company/ftpayments

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 FinTech Payments