PayNation
PayNation provides B2B payment processing and omni-channel acceptance through its proprietary BridgeLink platform, serving manufacturers, distributors, wholesalers, e-commerce firms, and SaaS companies with deep ERP/accounting integrations, interchange optimization, and a newly launched crypto-payment portal.
- Company typePrivate
- Founded2018
- HeadquartersIrvine, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What PayNation does
PayNation is a US-based payment processing and FinTech company headquartered in Irvine, California, operating as PayNation, LLC and founded in 2018. The company focuses on B2B payment acceptance, with primary customers in manufacturers, distributors, wholesalers, e-commerce businesses, and SaaS technology firms. It also addresses secondary verticals including healthcare, nonprofits, accounting and professional services, mobile and field sales operations, and integrated software vendors (ISVs). PayNation is structured as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, Key Bank, and Woodforest National Bank, providing multiple acquiring rails across the United States.
The company's technology core is BridgeLink, a proprietary, API-first payment platform developed in-house. BridgeLink provides omni-channel payment acceptance (e-commerce, retail, mobile, ACH, online invoicing) and integrates natively with more than 10 ERP and accounting systems (QuickBooks, Xero, NetSuite, SAP Business One, Microsoft Dynamics 365, Acumatica, Odoo, Epicor, FreshBooks, Salesforce, Zoho) and 20+ shopping cart platforms (WooCommerce, Magento, BigCommerce, Shopify, nopCommerce, and others). Supporting product features include SAFE tokenization for PCI scope reduction, automatic Level II/III interchange optimization, virtual terminal, recurring billing and installments, invoice manager, hosted payment pages, bundle processing, and a mobile application. In March 2025, the company added a Crypto-Payment Portal through strategic alliances with Velocity Transactions and Blokko, enabling B2B cryptocurrency acceptance with cash settlement. The platform is backed by PCI DSS compliance, PCI Qualified Integrator and Reseller certification, SOC 2 Type II, ETA membership, and Visa SPListing registration.
PayNation generates revenue through transaction-based payment processing fees (interchange, assessments, and merchant service provider charges), interchange optimization services, residual revenue sharing with channel partners, subscription-based platform licensing for its gateway technology, and equipment sales. Pricing models include cost-plus interchange pricing, personalized quote-based pricing, interchange plus pricing, and cash discount/convenience fee programs. Distribution combines enterprise field sales for large B2B merchants, inside sales for mid-market accounts, a self-serve partner portal, and a channel partner network of Independent Payment Professionals (IPPs), ISV partners, and referral partners that earn commissions, lifetime residuals, training, and marketing support.
PayNation firmographics
Firmographics- Name
- PayNation
- Legal name
- PayNation, LLC
- Website
- https://paynation.us
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PayNation provides B2B payment processing and omni-channel acceptance through its proprietary BridgeLink platform, serving manufacturers, distributors, wholesalers, e-commerce firms, and SaaS companies with deep ERP/accounting integrations, interchange optimization, and a newly launched crypto-payment portal.
- Ownership category
- akta.pro rank
PayNation industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
- akta.pro primary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where PayNation is headquartered
LocationHeadquarters
- HQ city
- Irvine
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PayNation business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Payment Processing Fees: Transaction-based fees charged to merchants for processing credit card and ACH payments. Includes interchange fees, assessment fees, and merchant service provider fees. Cost-plus and personalized pricing options available.
- Interchange Optimization Services: Fees for optimizing interchange rates through Level II & III processing, reducing merchant processing costs while generating revenue from the optimization service.
- Partner Revenue Sharing: Ongoing percentage-based monthly residuals paid to ISV partners, referral partners, and Independent Payment Professionals based on transaction volumes processed through referred merchants.
- Platform/SaaS Licensing: Revenue from providing access to PayNation's payment platform, gateway technology, and software tools including BridgeLink, virtual terminals, and reporting features.
- Equipment Sales: Revenue from sale of payment terminals, card readers, and other hardware to merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Cost-Plus Pricing |
| Hybrid | Monthly | Personalized Pricing |
| Transaction based/ take rate | Monthly | Interchange Plus Pricing |
| Other | Monthly | Cash Discount / Convenience Fee |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
PayNation product offering
Product offeringCore offering
PayNation provides B2B payment processing through its proprietary BridgeLink platform, enabling merchants to accept credit card, ACH, and crypto payments across e-commerce, retail, mobile, and invoicing channels. The platform integrates natively with ERP, accounting, and SaaS systems to automate reconciliation and qualify transactions for optimized interchange rates. Services are sold directly and through a network of Independent Payment Professionals, ISV partners, and referral partners across the United States.
Product overview
PayNation is a Southern California-based FinTech company providing a comprehensive payment platform with proprietary technology and omni-channel payment acceptance solutions for B2B companies. The core platform centers on BridgeLink®, which serves as the integration engine connecting accounting/ERP systems (QuickBooks, NetSuite, Salesforce, Odoo, SAP, Dynamics, Acumatica, Xero, Epicor, FreshBooks, Zoho), shopping cart platforms (WooCommerce, Magento, BigCommerce, nopCommerce, Ecwid, PrestaShop, OpenCart, and others), and payment gateways (CardPointe, Authorize.Net, CyberSource, PayPal, NMI, USA ePay, PayTrace). The product suite includes Virtual Terminal for phone/remote payments, Integrated Terminals for in-person EMV transactions, Mobile App for iOS/Android, Invoice Manager for electronic invoicing, Recurring & Installments for automated billing, SAFE tokenization for secure data storage, Hosted Payment Pages for e-commerce, Bundle Processing for batch transactions, Enhanced Reporting for analytics, Fee Program Support for cost optimization, and Crypto-Payment Portal for blockchain-based B2B transactions. PayNation specializes in serving Manufacturers, Distributors, Wholesalers, E-Commerce, and SaaS Technology companies with Level II & III processing for optimized interchange rates.
Differentiator
Problem solved
Functional benefit
Brands
- BridgeLink®: Proprietary platform and technology solution enabling secure commerce and payment integrations for merchants and partners.
Products and services
- BridgeLink® Proprietary payment integration platform that connects accounting/ERP systems, shopping carts, and payment gateways to enable secure commerce across e-commerce, retail, mobile, ACH, and online invoicing channels. Sold to B2B merchants and ISV partners.
- Virtual Terminal Browser-based sales form enabling merchants to process card-not-present payments over the phone or from any device. Sold to B2B merchants needing manual payment entry.
- Integrated Terminals In-browser EMV payment terminals that allow merchants to accept in-person card payments using a computer or connected device. Sold to B2B and retail merchants.
- Recurring & Installments Automated billing product enabling merchants to set up daily, weekly, monthly, or annual subscription and installment payment schedules. Sold to B2B merchants with recurring revenue or payment plan models.
- Hosted Payment Page PayNation-hosted customizable secure checkout form that lets merchants accept online payments and donations with reduced PCI scope. Sold to merchants needing an out-of-the-box e-commerce checkout.
- Invoice Manager Electronic invoicing system that lets merchants create and send invoices and accept payments online via payment links, autopay, and customer portals. Sold to B2B merchants managing accounts receivable.
- SAFE Tokenization Tokenization service that securely stores customer payment data offsite using PayNation's SAFE token vault, reducing merchant PCI scope and breach exposure. Sold to merchants handling stored cardholder data.
- Mobile App iOS and Android applications that let merchants process card-present and card-not-present payments on mobile devices, integrating with PayNation's terminal and reporting capabilities. Sold to mobile and field-service merchants.
- PayNation Payment Gateway Standalone payment gateway application and software that facilitates the processing and automation of credit card and ACH transactions under the PAYNATION Gateway brand. Sold to merchants and partners needing gateway-only access.
- Crypto-Payment Portal Crypto-payment acceptance portal offered through a strategic alliance with Velocity Transactions and Blokko, enabling B2B merchants to accept cryptocurrency and receive rapid cash settlements without holding digital assets. Sold to B2B merchants seeking alternative payment methods.
Quantifiable outcome
- Level 2 and Level 3 processing reduces processing fees for B2B merchants handling large transactions
- +1 more outcomes
Companies that use PayNation
Customer profileSegments6 records
Ideal customer profiles3 records
PayNation technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration32 records
Feature10 records
PayNation partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- Velocity TransactionscoreStrategic alliance for crypto-payment portal enabling cryptocurrency B2B payments. Velocity Transactions serves as sales, marketing and integration partner for the crypto payments solution, offering the easiest integration and greatest market reach. Solution enables rapid cash settlements with businesses never touching crypto.
- BlokkocoreStrategic alliance providing crypto payment technology with multi-layer authentication and end-to-end data encryption. Blokko is a fintech technology company focused on integrating alternative payment methods including crypto payments and real-time payment solutions.
- Wells Fargo Bank, N.A.coreRegistered ISO (Independent Sales Organization) of Wells Fargo Bank, N.A., Concord, CA for payment processing services.
- Key Bank, National AssociationcoreRegistered ISO (Independent Sales Organization) of Key Bank, National Association, Cleveland, Ohio for payment processing services.
- Woodforest National BankcoreRegistered ISO (Independent Sales Organization) of Woodforest National Bank, The Woodlands, TX for payment processing services.
- QuickBookscoreNative integration with QuickBooks for seamless payment processing and accounting synchronization. Eliminates double data entry and enables automatic reconciliation.
- SalesforcecoreNative integration with Salesforce for CRM synchronization and payment processing within the sales platform.
- NetSuitecoreNative ERP integration with Oracle NetSuite for accounting synchronization and automated payment processing.
- OdoocoreNative Odoo payment integration for ERP, POS, ACH, invoicing, and subscription billing directly within the Odoo platform.
- AcumaticacoreNative integration with Acumatica cloud ERP for seamless payment processing and financial management.
- Microsoft Dynamics 365coreNative integration with Microsoft Dynamics 365 for ERP and business application synchronization.
- WooCommercecoreNative shopping cart integration with WooCommerce for e-commerce payment processing.
- XerocoreNative integration with Xero accounting software for automated reconciliation and payment sync.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
PayNation competitors and assessment
Company assessmentDirect peers
- Stax (formerly Fattmerchant): Stax is a subscription-style payment processor built around interchange-plus pricing for SMB and mid-market merchants, with strong API and software integration capabilities. Highly comparable to PayNation on pricing model and merchant profile.
- Gravity Payments: Gravity Payments is a B2B-focused merchant services provider serving small and mid-sized businesses with card processing, ACH, and integration support. Comparable merchant profile and sales-led GTM to PayNation.
- EBizCharge: EBizCharge is a B2B-focused payment processor with deep ERP/accounting integrations (QuickBooks, Sage, NetSuite, SAP) and Level II/III processing. It competes head-to-head with PayNation for mid-market and enterprise B2B merchants and uses a similar ISO/channel-led GTM.
- Chargezoom: Chargezoom provides B2B payment processing and accounts payable/receivable automation with ERP integrations. Competes with PayNation for AR automation and embedded B2B payments use cases.
- PayJunction: PayJunction is a payment processor targeting B2B and SMB merchants with virtual terminals, recurring billing, ERP integrations, and interchange-plus pricing — a near-direct overlap with PayNation's BridgeLink-enabled offering.
- Helcim: Helcim offers SMB and B2B payment processing with transparent interchange-plus pricing, invoicing, recurring billing, and online checkout. Overlaps with PayNation on cost-plus pricing philosophy and SMB-to-mid-market focus.
- North American Bancard: North American Bancard is a large US ISO/payment processor with multiple bank sponsors, a partner/reseller program, and broad merchant services. Closely mirrors PayNation's ISO structure and channel-led distribution.
Broad incumbents
- Block (Square): Block operates Square for merchant payment processing plus banking, lending, and software services. A broad incumbent that competes for the same B2B and SMB merchants with deeper capital and a much larger product surface.
- Stripe: Stripe is a global payments platform with extensive APIs, ERP/accounting integrations, and B2B invoicing products. It is the dominant broad incumbent that PayNation must differentiate against on B2B service depth and Level II/III optimization.
Emerging players
- Finix: Finix is a payments infrastructure provider that enables software platforms to embed payment acceptance, with deep API and ISV focus. Comparable to PayNation's ISV/embedded-payments motion but operates more as infrastructure than end-merchant processor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
PayNation social profiles
Digital presencePayNation compliance and trust
Trust signalCompliance3 records
PayNation financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayNation leadership team
Management profileNumber of profiles
Profiles1 record
PayNation funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayNation 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 PayNation
What does PayNation do?
PayNation provides B2B payment processing through its proprietary BridgeLink platform, enabling merchants to accept credit card, ACH, and crypto payments across e-commerce, retail, mobile, and invoicing channels. The platform integrates natively with ERP, accounting, and SaaS systems to automate reconciliation and qualify transactions for optimized interchange rates. Services are sold directly and through a network of Independent Payment Professionals, ISV partners, and referral partners across the United States.
Is PayNation a public or private company?
PayNation is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayNation founded?
PayNation was founded in 2018. It employs 1 to 10 people.
Where is PayNation based?
PayNation is headquartered in Irvine, United States, in the North America region.
How does PayNation make money?
Five revenue lines are on record. Payment Processing Fees are the primary driver. The others are interchange Optimization Services, partner Revenue Sharing, platform/SaaS Licensing and equipment Sales.
Who are PayNation's main competitors?
Direct peers on record are Stax (formerly Fattmerchant), Gravity Payments, EBizCharge, Chargezoom, PayJunction, Helcim and North American Bancard. Broad incumbents are Block (Square) and Stripe. Finix is listed as an emerging player.
Does PayNation have an API?
Yes. PayNation's platform is entirely predicated on APIs, enabling direct integration for software to accept payments. The Integration Toolkit includes 7 major APIs that manage all system components and reduce PCI scope. The platform offers REST APIs with code samples and documentation, native shopping cart integrations, and in-house developer support. Integration help includes real tech support, in-house developers, and financial opportunities to bolster rollout.
What industry is PayNation in?
PayNation's product category is Payment Processing. Its primary akta.pro industry code is FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 522320.