ExpiTrans
ExpiTrans is a private US-based ISO/MSP merchant services provider offering credit card processing, its proprietary Troute Payment Gateway, EMV terminals, and POS systems to thousands of SMB merchants across the United States, Europe, and Asia via direct sales and a multi-tier partner channel.
- Company typePrivate
- Founded2004
- HeadquartersRancho Santa Margarita, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What ExpiTrans does
ExpiTrans, Inc. is a private US-based merchant services provider (ISO/MSP) registered with Avidia Bank, Wells Fargo Bank, Merrick Bank, and Mission Valley Bank, headquartered in Rancho Santa Margarita, California. The company has served thousands of SMB merchants primarily in the United States, Europe, and Asia since its founding in 2004, offering credit card processing, electronic payments, gift and loyalty programs, mobile and e-commerce acceptance, and recurring billing.
The company's product surface centers on its proprietary Troute Payment Gateway — a virtual terminal with live transaction reporting, recurring billing, customer vault, and invoicing — complemented by mobile card readers, PCI PTS-certified EMV terminals, and POS systems. ExpiTrans does not operate its own processing rail; rather, it routes transactions through backend processors (TSYS, First Data/Fiserv, Global Payments, Chase Paymentech) and integrates with a broad catalog of third-party gateways (Authorize.net, NMI, USAePay, Payflow), equipment vendors (Verifone, Magtek, Clover, Ingenico, PAX), and POS / accounting software (QuickBooks, Zoho, Micros/Oracle, NCR Aloha, NCR Silver, Talech).
ExpiTrans monetizes primarily via customized transaction-based pricing evaluated against each merchant's existing processing statements, supplemented by recurring billing services. The go-to-market is a hybrid direct-sales and channel-partner model: each merchant is assigned a dedicated sales agent, while the company also recruits referral partners (10–25% of profits), independent sales agents (50–70% of net revenue), and sales offices (up to 100% of net revenue), supplied with equipment, leads, and marketing budget. There are no disclosed funding rounds, no parent company, and no named enterprise customers in the available data.
ExpiTrans firmographics
Firmographics- Name
- ExpiTrans
- Legal name
- ExpiTrans, Inc.
- Website
- https://expitrans.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ExpiTrans is a private US-based ISO/MSP merchant services provider offering credit card processing, its proprietary Troute Payment Gateway, EMV terminals, and POS systems to thousands of SMB merchants across the United States, Europe, and Asia via direct sales and a multi-tier partner channel.
- Ownership category
- akta.pro rank
ExpiTrans industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)
- akta.pro secondary industry
- EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)
Keywords
Where ExpiTrans is headquartered
LocationHeadquarters
- HQ city
- Rancho Santa Margarita
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ExpiTrans business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Transaction Fees: ExpiTrans generates revenue primarily through transaction fees charged to merchants for processing credit card and electronic payments. The company offers customized pricing plans based on business model evaluation.
- Recurring Billing Services:
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Customized transaction-based pricing |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels2 records
ExpiTrans product offering
Product offeringCore offering
ExpiTrans provides electronic payment processing and merchant services for businesses, including credit and debit card processing, a proprietary Troute Payment Gateway, POS systems, mobile swipers, payment terminals, gift card and ATM processing, and merchant cash advances. The company offers customizable processing plans, payment equipment, and integrations with accounting, ERP, and e-commerce platforms for merchants accepting electronic payments.
Product overview
ExpiTrans is a single-source provider of end-to-end payment processing and merchant services. The company offers a unified platform architecture built around its proprietary Troute Payment Gateway, complemented by hardware products including mobile swipers, payment terminals, and POS systems. The Troute gateway serves as the core technology, providing virtual terminal capabilities, recurring billing, customer vault, and invoice generation, while the hardware product line enables merchants to accept payments across various channels including in-person, mobile, and e-commerce environments. The company utilizes processing platform partners including TSYS, First Data, Global Payments, and Chase Paymentech as backend processors.
Differentiator
Problem solved
Functional benefit
Products and services
- ExpiTrans Troute Payment Gateway Proprietary cloud-based payment gateway providing tokenization, Card Vault, hosted payment pages, and pay-by-link for merchants accepting electronic payments across channels.
- Credit Card Processing Core merchant processing service enabling businesses to accept credit and debit card payments across card-present, card-not-present, mobile, and online channels, sponsored by Wells Fargo Bank N.A., Deutsche Bank AG, and Esquire Bank N.A.
- Mobile Swipers Mobile card reader hardware that enables merchants to accept card payments via smartphones and tablets.
- Payment Terminals Countertop and integrated payment terminal hardware offered to merchants for card acceptance at the point of sale.
- POS Systems Point-of-sale systems bundled with payment processing capabilities, targeted at merchant retail and restaurant environments.
- Gift Card Processing Processing services for merchant-issued gift cards, enabling issuance, redemption, and balance management.
- ATM Processing ATM transaction processing and placement services enabling merchants to offer ATM access at their locations.
- Merchant Cash Advance Working capital advance product offered to merchants, repaid as a share of their card processing volume.
Companies that use ExpiTrans
Customer profileSegments2 records
Ideal customer profiles2 records
ExpiTrans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration25 records
Feature6 records
ExpiTrans partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core.
- TSYScoreTSYS is a processing platforms partner providing the underlying payment processing infrastructure for ExpiTrans merchants.
- First Data (Fiserv)coreFirst Data (now part of Fiserv) is a processing platforms partner that provides payment processing infrastructure for ExpiTrans.
- Global PaymentscoreGlobal Payments is a processing platforms partner providing payment processing technology for ExpiTrans merchants.
- Chase PaymentechcoreChase Paymentech is a processing platforms partner offering payment processing services integrated with ExpiTrans.
- MagensacoreGateway partner providing payment gateway services integrated with ExpiTrans platforms.
- Authorize.netcoreAuthorize.net is a gateway partner enabling merchants to accept electronic payments through ExpiTrans.
- NMI (Network Merchants Inc.)coreNMI is a gateway partner providing payment gateway connectivity for ExpiTrans merchants.
- MagtekcoreEquipment partner providing secure payment card readers and terminals integrated with ExpiTrans.
- VerifonecoreVerifone is an equipment partner providing point-of-sale terminals with ExpiTrans integration.
- ClovercoreClover is an equipment and POS partner integrated with ExpiTrans for payment processing.
- QuickBookscoreQuickBooks integration partner enabling seamless accounting and payment processing for ExpiTrans merchants.
- Micros (Oracle)coreMicros POS systems (now part of Oracle) are integrated with ExpiTrans for restaurant and hospitality payment processing.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
ExpiTrans competitors and assessment
Company assessmentDirect peers
- North American Bancard: Established US ISO/MSP offering merchant processing, POS, and gateway services to SMBs through a sales-agent/partner channel. Closely comparable business model, customer base, and bank-sponsored distribution approach.
- PaymentCloud: High-risk and general merchant account provider operating as an ISO with multiple sponsor banks and a partner/reseller agent program. Comparable ISO model, multi-bank setup, and SMB focus.
- Host Merchant Services: Independent sales organization providing payment processing, EMV terminals, POS, and gateway services to SMBs via direct and agent channels. Directly comparable in scale, product mix, and go-to-market.
- Total Merchant Services: Long-standing ISO offering card processing, virtual terminals, and POS solutions to SMBs through independent agents. Closely comparable merchant services focus and channel-driven model.
- Stax Payments (Fattmerchant): Subscription-based payment processing platform aimed at SMBs and software-led ISOs, offering gateways, POS integrations, and transparent pricing. Comparable in disrupting the traditional ISO model with software-first distribution.
- Dharma Merchant Services: Independent ISO/MSP providing payment processing with transparent pricing, multiple bank sponsors, and channel-driven SMB acquisition. Highly comparable business model and merchant focus.
Broad incumbents
- Square (Block): Vertically integrated SMB payments and software provider offering hardware, POS, gateway, and capital products. Competes for the same SMB merchant wallet but with proprietary processing rather than an ISO resale model.
- Fiserv (First Data): Global payments processor with Clover POS platform and a large ISO partner program. One of ExpiTrans's core processing partners but also a competitive acquirer; broad incumbent in the SMB terminal/POS space.
- Global Payments: Major payment processing acquirer and integrated technology provider operating Heartland, TSYS, and Genius POS products. A backend processor and ISO bank partner to ExpiTrans while also competing for SMB merchant accounts.
Emerging players
- Stripe: Developer-led payment platform with strong SMB and online merchant adoption, offering POS terminals and integrated software. Competes with ExpiTrans for multi-channel merchants and gateway business.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ExpiTrans social profiles
Digital presenceExpiTrans compliance and trust
Trust signalCompliance1 record
ExpiTrans financial estimates
Financial estimateRevenue estimate
Valuation estimate
ExpiTrans leadership team
Management profileNumber of profiles
Profiles3 records
ExpiTrans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ExpiTrans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ExpiTrans
What does ExpiTrans do?
ExpiTrans provides electronic payment processing and merchant services for businesses, including credit and debit card processing, a proprietary Troute Payment Gateway, POS systems, mobile swipers, payment terminals, gift card and ATM processing, and merchant cash advances. The company offers customizable processing plans, payment equipment, and integrations with accounting, ERP, and e-commerce platforms for merchants accepting electronic payments.
Is ExpiTrans a public or private company?
ExpiTrans is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ExpiTrans founded?
ExpiTrans was founded in 2004. It employs 11 to 50 people.
Where is ExpiTrans based?
ExpiTrans is headquartered in Rancho Santa Margarita, United States, in the North America region.
How does ExpiTrans make money?
Two revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are recurring Billing Services.
Who are ExpiTrans's main competitors?
Direct peers on record are North American Bancard, PaymentCloud, Host Merchant Services, Total Merchant Services, Stax Payments (Fattmerchant) and Dharma Merchant Services. Broad incumbents are Square (Block), Fiserv (First Data) and Global Payments. Stripe is listed as an emerging player.
Does ExpiTrans have an API?
Yes. ExpiTrans maintains a staff of programmers experienced in integrating web and other online applications to ExpiTrans payment network and third-party payment networks. The API integration process involves thorough understanding of the merchant's software platform and the most efficient ways to integrate to any third-party network, then integrating the merchant's website through a standard method that can interface efficiently with almost any type of third-party back-end system. ExpiTrans staff has broad experience both on the merchant system and third-party network side.
What industry is ExpiTrans in?
ExpiTrans's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMADAC, POS Payment Software & Middleware (Terminal OS, Apps, Device Management), with a secondary code of FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance. Its NAICS code is 52232.