What PrismPay does

PrismPay, operated by PLOUTOS HOLDINGS, LLC (a Delaware limited liability company founded in 2006 and headquartered in Marietta, Georgia with a secondary office in Pleasanton, California), is a privately held payment gateway company serving small and mid-sized merchants across brick-and-mortar retail, e-commerce, mobile, and restaurant verticals. The company is led by founder and CEO Doug Merryman and operates without disclosed institutional investors or parent company ownership.

The core product is a web-based, modular payment gateway that connects merchants to all major US processing platforms and many international platforms, supporting EMV chip-and-PIN, tokenization, ACH processing, recurring/subscription billing, chargeback alerts, real-time fraud screening, terminal management, and POS cloud connectivity with legacy integrations. The architecture is processor-agnostic and exposes integrations to shopping carts, accounting software (QuickBooks), and certified terminals (PAX, NGPOS). PCI DSS compliance is maintained across all payment channels.

PrismPay generates revenue through a combination of monthly subscription fees ($29.95/month on the PROMO and STANDARD plans; $23.95/month on the ANNUAL plan totaling $287.52 per year), per-transaction fees ($0.20 per transaction), and one-time setup fees ($49.95). Distribution is hybrid: self-serve website onboarding with a 30-day free trial, inside sales for mid-market merchants, and channel/reseller partners including Merchant First, shopping cart platforms, and payment processors. Customer concentration is low and distributed across SMB segments, with no enterprise anchors disclosed.

Name

PrismPay

Legal name

PLOUTOS HOLDINGS, LLC

Website

https://prismpay.com

Company type

Private

Founded year

2006

Operating status

Operating

Short description

PrismPay is a privately held payment gateway company serving SMB merchants across retail, e-commerce, mobile, and restaurant verticals since 2006. It offers modular payment processing — EMV, tokenization, ACH, fraud tools, recurring billing — via a processor-agnostic, subscription-based SaaS model.

Ownership category

akta.pro rank

Product category

Payment Gateway Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industry

Payment Orchestration Platforms (FSAGABAA)

Keywords

• Payment gateway services
• EMV chip processing
• Merchant payment processing
• ACH payment processing
• PCI compliant transactions

Headquarters

HQ city

Marietta

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Monthly Subscription Fees: Recurring monthly subscription charges for gateway access and processing services across PROMO ($29.95), ANNUAL ($23.95/month), and STANDARD ($29.95/month) plans
2. Transaction Fees: Per-transaction fees charged at $0.20 per transaction for payment processing
3. Setup Fees: One-time setup fees of $49.95 for new merchant accounts

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

PrismPay provides a web-based payment gateway that connects merchants to all major US processing platforms and many international platforms for real-time card and ACH payment processing. Its modular platform supports EMV chip & PIN transactions, tokenization, real-time fraud prevention, recurring billing, chargeback alerts, terminal management, and POS/shopping cart integrations, sold primarily via monthly subscriptions and per-transaction fees to SMB merchants.

Product overview

PrismPay is a payment gateway platform that operates as a modular, web-based service for secure payment processing. The core offering is the PrismPay Payment Gateway, which connects to all major US and international processing platforms. The platform is augmented by feature modules including EMV chip card processing, tokenization for PCI compliance, real-time fraud prevention, recurring/billing management, ACH payment processing, chargeback alerts, instant merchant onboarding, terminal management, POS cloud connectivity, and shopping cart integrations. Additional fee management add-ons include cash discounting, convenience fees, and surcharge fees. The platform is offered through subscription tiers with different pricing structures.

Differentiator

Problem solved

Functional benefit

Products and services

• PrismPay Payment Gateway Web-based payment gateway that connects merchants to all major US and international processing platforms, enabling real-time payment processing, order screening, fraud management, and enterprise payment security. Sold to merchants via monthly subscriptions plus per-transaction fees.
• ACH Payment Processing ACH payment processing service that enables electronic fund transfers between bank accounts through the ACH network, supporting one-time payments, recurring billing, and payroll processing for merchants.
• Terminal Management System (TMS) Centralized management and monitoring system for merchants' payment terminals, supporting both IP and wireless terminal integration to enable seamless connectivity.
• Chargeback Alerts Real-time chargeback notification and alerting system to help merchants prevent and respond to disputed transactions before they escalate.
• Instant Accept Quick merchant onboarding solution for fast payment acceptance setup, with QuickBooks accounting software integration enabling seamless payment-to-accounting data synchronization.
• POS Cloud Connect with Legacy Integrations Point-of-sale cloud connectivity solution with support for legacy POS system integrations, enabling seamless terminal connections for merchants operating older POS equipment.
• Shopping Cart Integrations eCommerce shopping cart plugins and hosted payment page solutions for online merchants to accept payments via their preferred shopping cart platforms.

Named customers4 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Partnerships

Four partnerships are on record, tiered core.

• Merchant FirstcoreChannel Partner/ Reseller/ DistributorPrismPay offers payment processing solutions through Merchant First partnership, providing merchants with comprehensive payment processing options and services.
• Instant Accept (QuickBooks Integration)coreTechnology or IntegrationQuickBooks accounting software integration partner enabling seamless synchronization of payment data with business accounting systems for streamlined financial management.
• NGPOS (Card Processing Terminals)coreTechnology or IntegrationTerminal solutions provider offering card processing terminals integrated with PrismPay gateway for comprehensive POS hardware and software needs.
• Payment Processors (General)coreChannel Partner/ Reseller/ DistributorPrismPay gateway is connected to all major US processing platforms and many International platforms, enabling merchant flexibility in choosing their underlying payment processor.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Authorize.Net: Visa-owned payment gateway serving SMBs and mid-market merchants with EMV, tokenization, recurring billing, and fraud tools. Direct overlap with PrismPay's gateway + SMB positioning and feature set.
• USAePay: Payment gateway and processor serving SMB and mid-market merchants with EMV, ACH, tokenization, and recurring billing — a near-feature-parallel competitor to PrismPay.
• PayTrace: Payment gateway specializing in EMV, Level 2/3, tokenization, and QuickBooks integrations. Closely comparable feature set and SMB/mid-market target customer profile.
• NMI (Network Merchants Inc.): White-label payment gateway provider serving ISVs and ISOs with EMV, tokenization, and TMS. Directly comparable technology and channel-based go-to-market.
• Fattmerchant (BluePay): Integrated payments and gateway provider targeting SMB merchants with subscription pricing and interchange-plus models — directly overlapping PrismPay's SMB positioning.
• Payment Depot: SMB-focused payment processor and gateway with interchange-plus pricing and QuickBooks integration — competing for the same brick-and-mortar SMB merchants PrismPay targets.
• PaySimple: SMB payment platform offering recurring billing, ACH, and card acceptance. Comparable in serving small businesses seeking bundled payment acceptance with subscription management.

Broad incumbents

• Stripe: Global payments platform offering gateway, processing, and developer APIs. Competes with PrismPay for online SMB merchants but at far greater scale and capital depth.
• Square (Block): Integrated POS, hardware, and payments platform targeting the same brick-and-mortar and mobile SMB segments PrismPay serves, with bundled gateway-plus-processing economics.
• PayPal: Global payments incumbent with gateway, checkout, Braintree, and merchant services. Overlaps with PrismPay on online checkout, fraud, and recurring billing.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/prismpay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 PrismPay