PayMeNow
PayMeNow is a US-based payment gateway and virtual terminal provider serving small and mid-sized businesses with credit card and ACH/e-check processing, recurring billing, and proprietary FRISK fraud management, distributed through ISO partnerships and reseller channels backed by Bluefin Payment Systems.
- Company typePrivate
- Founded2019
- HeadquartersAtlanta, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What PayMeNow does
PayMeNow is a US-based payment gateway and virtual terminal provider headquartered in Atlanta, founded in 2018. The company serves small and mid-sized US businesses requiring internet-based acceptance of credit card and ACH/e-check transactions, targeting an SMB market where over 100,000 new businesses are formed monthly. PayMeNow operates a self-serve online activation model and positions itself as a low-cost, easily integrated alternative to traditional merchant account setups, with merchant onboarding achievable in minutes via a web portal and HTML form post integration.
The platform combines a payment gateway, virtual terminal, ACH processing, recurring billing, hosted shopping cart, and a proprietary FRISK fraud management system that filters each transaction through configurable rule layers including negative account blocking, AVS, CVV2 verification, IP activity limits, and duplicate transaction prevention. PayMeNow is certified across multiple US credit card authorizing networks (First Data Nashville/Omaha, Global Payments Central, Vital, Paymentech Tampa, NOVA, Digital Courier, Network One, ECHO) and holds Visa CISP compliance certification. Integration options include HTML form post, SOAP, XML, batch processing, IVR pay-by-phone, mobile wireless devices, and a hosted checkout weblink that eliminates the need for merchant SSL certificates. Real-time transaction processing returns responses in 1-3 seconds.
PayMeNow generates revenue primarily through transaction-based fees on credit card and ACH processing, bundled with virtual terminal access and add-on services such as check guarantee, electronic check conversion, recurring billing, and account reactivation ($50 within 6 months). The company operates with 1-10 employees and distributes through a channel model: Independent Sales Organizations, web designers, ISPs, and web hosting companies resell the gateway under the PayMeNow brand or as private-label partners and earn residual income. Bluefin Payment Systems serves as the underlying registered ISO/MSP, providing the banking sponsorship relationships (Wells Fargo Bank N.A. Walnut Creek, Deutsche Bank AG New York, Elavon Inc.) that enable merchant account services. No external equity or debt funding rounds have been disclosed for the US entity.
PayMeNow firmographics
Firmographics- Name
- PayMeNow
- Legal name
- Paymenow
- Website
- https://paymenow.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PayMeNow is a US-based payment gateway and virtual terminal provider serving small and mid-sized businesses with credit card and ACH/e-check processing, recurring billing, and proprietary FRISK fraud management, distributed through ISO partnerships and reseller channels backed by Bluefin Payment Systems.
- Ownership category
- akta.pro rank
PayMeNow industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
Keywords
Where PayMeNow is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
PayMeNow business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Payment Gateway & Transaction Processing: Merchants pay transaction fees and processing charges for credit card and ACH transactions processed through the Pay-Me-Now gateway. ACH transactions are deposited into the merchant's checking account; credit card funds are deposited via the merchant's acquiring bank, typically within 48 hours. The service is positioned as affordable with competitive pricing.
- Virtual Terminal Services: The virtual terminal enables merchants to process orders received offline (phone, fax, email) using a web-based terminal anywhere with internet access. Fees are bundled with gateway service pricing.
- Recurring Billing / Membership Subscriptions: Merchants can automatically rebill customers' credit cards or checking accounts on scheduled intervals (weekly, monthly, quarterly). Additional membership/subscription setup fees may apply.
- ACH Check Processing: Merchants pay for online check processing services, including check guarantee and electronic check conversion. Fees are lower than credit card processing since no merchant account is required.
- Reseller / Partner Program: Independent Sales Organizations, web designers, and hosting companies earn residual income by reselling Pay-Me-Now services under the Pay-Me-Now brand or as private-label partners.
- Account Deactivation Reactivation Fee: Merchants who temporarily deactivate accounts are charged $50 to reactivate. Reactivation after 6 months requires the current setup fee for new accounts.
- Earned Wage Access (Paymenow SA): South African fintech Paymenow enables employees to access part of their wages before payday. The company earns revenue through employer partnerships and transaction fees from early wage withdrawals. Supported by a R450 million debt facility from Rand Merchant Bank.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Payment Gateway Service |
| Transaction based/ take rate | Monthly | ACH / Online Check Processing |
| Subscription | Monthly | Membership / Subscription Billing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
PayMeNow product offering
Product offeringCore offering
Pay-Me-Now provides an internet-based payment gateway and virtual terminal that enables US merchants to accept and process credit card and ACH/e-check transactions in real time. The platform bundles credit card authorization, electronic check processing, recurring billing, hosted web-link checkout, membership management, and the proprietary FRISK fraud management system into a single scalable solution with no software installation required.
Product overview
PayMeNow is a US-based payment processing platform offering a comprehensive suite of internet payment tools built around a core Payment Gateway and Virtual Terminal. The platform processes major credit cards (VISA, MasterCard, American Express, Discover, Diners Club, JCB) and electronic checks (ACH) through multiple integration methods including SOAP, XML, HTML Web Link, and batch processing. Key modules include Recurring Billing, Membership/Subscription management, Mobile Merchant Center, IVR Pay By Phone, and a hosted Shopping Cart. The system connects to certified processing networks (First Data, Global Payments, Vital, Paymentech, NOVA, Digital Courier, Network One, ECHO) and offers integrated fraud prevention via the proprietary FRISK system. Add-on services include Check Guarantee (NSF protection), Electronic Check Conversion, Card Present processing, PIN-based Debit transactions, and eBay Auction Checkout integration.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Gateway and Virtual Terminal Scalable, customizable payment processing solution that processes credit card and ACH transactions in real time and enables merchants to enter orders received offline (phone, fax, email) via a web-based virtual terminal accessible from any internet-connected computer.
- ACH Virtual Terminal and Online Check Processing Online paperless check processing service that lets merchants accept electronic ACH transactions using an ABA account and routing number, processed as an Electronic Funds Transfer through the ACH payment system.
- Credit Card Processing Internet credit card transaction processing service that supports major credit card brands (VISA, MasterCard, American Express, Discover, Diners Club, and JCB) through Pay-Me-Now's certified processing networks.
- Recurring Billing System Automated subscription and recurring billing service that lets merchants automatically rebill customer credit cards or checking accounts on weekly, monthly, quarterly, or custom intervals, with additional setup fees for membership/subscription applications.
- Membership / Subscription Management System Subscription and membership site management service that lets merchants create password-protected areas on their websites with a user database, retention reports, and integrated recurring billing functionality.
- Web Link Hosted Shopping Cart Hosted shopping cart solution that lets merchants add Buy It payment links to their websites without installing an SSL certificate, with configurable payment methods, shipping options, tax calculations, and PayPal integration.
- Check Guarantee Service
Quantifiable outcome
- 600,000+ employees using earned wage access services
- +3 more outcomes
Companies that use PayMeNow
Customer profileSegments4 records
Ideal customer profiles3 records
PayMeNow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature8 records
PayMeNow partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Bluefin Payment SystemscoreBluefin Payment Systems is a strategic technology and operational partner, with PayMeNow.com and Bluefin Payment Systems collaborating to deliver online credit card and e-check processing services. Bluefin serves as a registered ISO/MSP for Wells Fargo Bank, Deutsche Bank, and Elavon.
- Wells Fargo Bank, N.A.minorWells Fargo Bank, N.A., Walnut Creek, CA, serves as an acquiring bank for Bluefin Payment Systems (Pay-Me-Now's parent), enabling merchant account services for US businesses processing credit cards.
- Deutsche Bank AG, New YorkminorDeutsche Bank AG, New York, serves as a registered ISO/MSP sponsor bank for Bluefin Payment Systems (Pay-Me-Now), facilitating merchant account services.
- Elavon, Inc.minorElavon, Inc. (Georgia) and its Canadian branch of U.S. Bank National Association serve as MSP/ISO sponsors for Bluefin Payment Systems (Pay-Me-Now), enabling credit card and ACH processing services.
Scale indicators7 records
Recent moves2 records
Expansion highlights5 records
PayMeNow competitors and assessment
Company assessmentDirect peers
- BlueSnap: Global payment gateway/PSP targeting SMB and mid-market merchants with global acquiring, hosted checkout, and subscription billing comparable to Pay-Me-Now's product surface.
- 2Checkout (now Verifone): Digital-payment gateway for online merchants offering hosted checkout, subscription billing, and fraud tools — a close functional analogue to Pay-Me-Now's combination of FRISK + recurring billing.
- NMI: White-label payment gateway provider commonly partnered with ISOs and ISVs, selling a near-identical feature set (gateway, virtual terminal, tokenization, recurring billing) to Pay-Me-Now's reseller base.
- Authorize.Net: Long-standing US payment gateway owned by Visa that sells to SMB merchants through ISOs/web developers, very similar to Pay-Me-Now's ISO/reseller go-to-market.
- Stax (Fattmerchant): Subscription-style payment processor serving SMBs with virtual terminal, ACH, and recurring billing on interchange-plus pricing—matching Pay-Me-Now's core SMB-focused stack.
Broad incumbents
- Stripe: Dominant developer-first PSP that competes for the same internet-accepting SMB merchants Pay-Me-Now targets, but with a much broader global product surface.
- Square (Block): Block's payments arm serves US SMBs with gateway, virtual terminal, and card-present hardware that overlaps Pay-Me-Now's credit-card and ACH processing suite.
- PayPal (Braintree): PayPal's Braintree unit operates a gateway/processor stack aimed at SMB and mid-market merchants with hosted checkout and virtual-terminal-like capabilities analogous to Pay-Me-Now.
Emerging players
- Wagestream: Global EWA fintech operating across multiple geographies (UK, US, South Africa) with employer partnerships—directly comparable to Paymenow's employer-B2B EWA motion.
- DailyPay: Earned-wage-access provider that competes with the South African Paymenow operation in the same business model (employer-integrated early wage access), though primarily in the US market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights7 records
Customer concentration
PayMeNow social profiles
Digital presencePayMeNow compliance and trust
Trust signalCompliance1 record
PayMeNow financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayMeNow leadership team
Management profileNumber of profiles
PayMeNow funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayMeNow 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 PayMeNow
What does PayMeNow do?
Pay-Me-Now provides an internet-based payment gateway and virtual terminal that enables US merchants to accept and process credit card and ACH/e-check transactions in real time. The platform bundles credit card authorization, electronic check processing, recurring billing, hosted web-link checkout, membership management, and the proprietary FRISK fraud management system into a single scalable solution with no software installation required.
Is PayMeNow a public or private company?
PayMeNow is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayMeNow founded?
PayMeNow was founded in 2019. It employs 1 to 10 people.
Where is PayMeNow based?
PayMeNow is headquartered in Atlanta, United States, in the North America region.
How does PayMeNow make money?
Seven revenue lines are on record. Payment Gateway & Transaction Processing is the primary driver. The others are virtual Terminal Services, recurring Billing / Membership Subscriptions, ACH Check Processing, reseller / Partner Program, account Deactivation Reactivation Fee and earned Wage Access (Paymenow SA).
Who are PayMeNow's main competitors?
Direct peers on record are BlueSnap, 2Checkout (now Verifone), NMI, Authorize.Net and Stax (Fattmerchant). Broad incumbents are Stripe, Square (Block) and PayPal (Braintree). Emerging players are Wagestream and DailyPay.
Does PayMeNow have an API?
No public API is recorded for PayMeNow.
What industry is PayMeNow in?
PayMeNow's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of CRAFALAH, Recurring Billing, Subscriptions & Tokenized Payments. Its NAICS code is 52232 and its SIC code is 6199.