Pagos

Name

Pagos

Legal name

Pagos Inc.

Website

https://pagos.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Low-Code Application Platform

NAICS

Software Publishers (5132), Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro primary industry

Data App Builders (Forms, Portals & Internal Tools) (HDAEAKAK)

akta.pro secondary industries

Enterprise PaaS (App Runtime & Managed Application Platforms) (HDAEAKAB), Workflow Automation & No-Code Collaboration (BPAMAMAK), eSignature, Forms & Digital Workflow Platforms (HDAEAHAJ)

Keywords

• Spreadsheet web conversion
• Low-code application platform
• Excel application development
• Financial modeling software
• Enterprise workflow automation

Headquarters

HQ city

Newton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SpreadsheetWeb SaaS Platform: Subscription-based software-as-a-service platform providing cloud hosting, application deployment, and management capabilities for converted spreadsheet applications. Users signup for accounts and receive hosted access to build and deploy web applications.
2. Consulting Services: Professional services including custom development, integration, migration, and hosting services to help clients maximize value from Pagos solutions.
3. Partner Programs (Reseller, OEM, Affiliate): Revenue generated through partner channels including resellers who promote products to their customer base, OEM partners embedding products in their offerings, and affiliates earning commissions on referred sales.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

Pagos develops SpreadsheetWeb, a SaaS platform that converts Microsoft Excel spreadsheets into secure, responsive, database-driven web applications without requiring programming knowledge. The platform supports 450+ Excel formulas and enables business users to deploy spreadsheet-based business logic as scalable enterprise applications with built-in workflow, reporting, and cell-level security.

Product overview

Pagos offers a single core product platform called SpreadsheetWeb, which transforms Excel spreadsheets into web applications, accompanied by professional services including consulting, customer support, and training. The company has expanded into AI-powered payments intelligence with its MCP Server enabling conversational access to payments data through AI chat agents.

Differentiator

Problem solved

Functional benefit

Brands

• SpreadsheetWeb: A platform that empowers Excel users to create secure, responsive, database-driven web applications directly from their spreadsheets.

Products and services

• SpreadsheetWeb

Quantifiable outcome

• Deployment time reduced from months to days for insurance rating programs
• +4 more outcomes

Named customers17 records

Segments4 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Pagos Reseller ProgramcoreChannel Partner/ Reseller/ DistributorPagos Reseller Program provides domain expertise, geographic coverage, and vertical industry expertise to promote Pagos products. Resellers receive effective sales and marketing support, tools, training, and support services to ensure business success.
• Pagos OEM Partner ProgramcoreOEM/ Whitelabel/ Licensing PartnerOEM Partner Program designed for independent software vendors that embed Pagos products as standard part of their customer offerings. OEM Partners typically resell or sublicense Pagos products as part of their business operations with extensive sales and support services.
• Pagos Affiliate ProgramminorGTM or Marketing PartnerAffiliate Program designed for individuals and small businesses that refer customers to Pagos. Commission is paid as percentage of sales amount when referral leads to a sale.
• Pagos System Integrator ProgramcoreImplementation/ SI/ Consulting PartnerSystem Integrator Program works strategically with partners providing industry, domain, or process specific expertise. Includes both large consulting companies and smaller specialized firms providing business/technical consulting, system integration, and implementation support.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Microsoft Power Apps: Microsoft's low-code platform that, like SpreadsheetWeb, enables business users to build applications — including directly from Excel — but is bundled into the broader Microsoft 365/Power Platform ecosystem. Represents the single most significant competitive threat to SpreadsheetWeb given Excel ecosystem overlap.
• Google AppSheet: Google's no-code platform that builds apps from spreadsheets and databases with similar self-serve onboarding. Comparable PLG motion and Excel/Sheets-based use case, but backed by Google Cloud distribution.
• Appian: Public low-code/BPM platform serving regulated industries (insurance, financial services, government) with workflow automation — the same verticals SpreadsheetWeb targets, but at enterprise scale and broader scope.
• OutSystems: Enterprise low-code platform used to build mission-critical applications in financial services and insurance. Competes for the same regulated-industry digital-transformation budget as SpreadsheetWeb, but with a much larger footprint and VC backing.

Direct peers

• Caspio: Low-code platform for building database-driven web applications without coding — a direct functional analog to SpreadsheetWeb, including forms, workflow, and customer-portal use cases for business users.
• Quick Base: No-code application platform targeting business users (often in operations, IT, and field services) to build custom apps and workflows — directly overlapping SpreadsheetWeb's enterprise spreadsheet-replacement use cases.
• Zoho Creator: Low-code app builder from Zoho that lets users create web and mobile applications from spreadsheets and databases with workflow automation. Closely mirrors SpreadsheetWeb's value proposition at SMB/mid-market price points.
• Retool: Low-code platform for building internal tools and business applications, often pulling data from spreadsheets and databases. Targets a similar 'business-user-with-spreadsheet-expertise' persona, particularly in fintech and operations teams.
• Knack: No-code platform that turns spreadsheets into online databases and web apps, with forms, workflow, and reporting — a close functional parallel to SpreadsheetWeb, especially for SMB and mid-market customers.

Emerging players

• Airtable: Spreadsheet-database hybrid platform with low-code app and workflow capabilities. While broader and consumer-leaning, Airtable competes for the same 'Excel-users-building-apps' persona, especially in mid-market and creative/operational teams.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/pagosinc

Compliance2 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 Pagos