What Agile Payments does

Agile Payments is a US-based, privately held payment infrastructure provider founded in 2006 that enables SaaS platforms and software application developers to embed payment acceptance into their software products. The company's technology stack consists of RESTful and SOAP APIs that integrate with sponsoring banks (ODFIs) for ACH and credit card processing, with tokenization of sensitive payment data, PCI DSS compliant infrastructure, and layered technology providing a second ledger for high-volume ACH origination including automated KYC/KYB, FBO account management, NOC elimination, same-day ACH, FedNow real-time payments, and international wire transfer capability. The platform supports both US ACH and Canadian EFT through a single unified API, and offers a comprehensive payment facilitation suite — full PayFac, Hybrid PayFac, Managed PayFac, and ACH PayFac — that lets SaaS platforms onboard sub-merchants and act as master merchant without bearing independent PayFac compliance burdens.

The company operates a B2B, white-label embedded payments model serving primarily vertical-SaaS platforms across industries ranging from recreation management to property management, healthcare, non-profits, and marketplaces. Agile Payments generates revenue through per-transaction ACH and credit card processing fees (ACH typically $0.15-$0.50 per transaction with sub-$0.10 pricing for high volumes; credit card at standard 2.9% + $0.30 rates) and through revenue-share arrangements with integration partners where SaaS platforms earn 25-65% of processing margin — generating recurring revenue for both parties. The go-to-market combines an API-first, self-serve developer motion (free sandbox, developer-friendly documentation) with consultative sales to SaaS C-suites on payment facilitation model selection, supported by content marketing, SEO, and a relatively small team given the explicit C-suite-access positioning. The customer base is described as distributed across industries "A to Z," with only one named case-study customer (Vermont Systems) disclosed publicly and no disclosed revenue, headcount, or funding history.

Name

Agile Payments

Legal name

Agile Payments

Website

https://agilepayments.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

Agile Payments is a US-based payment infrastructure provider, founded in 2006, that enables SaaS platforms to embed ACH, credit card, and Canadian EFT processing via APIs and offers payment facilitation, revenue share, and reconciliation tools for vertical-software companies.

Ownership category

akta.pro rank

Product category

Payment Processing Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Intermediation and Related Activities (522)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Payment Orchestration Platforms (FSAGABAA), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Payment integration
• ACH processing
• Payment facilitation
• Embedded payments
• Payment gateway API

Headquarters

HQ city

Saratoga Springs

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Gateway and Transaction Processing Fees: Agile Payments earns revenue through transaction fees charged on ACH and credit card payments processed through its platform. For ACH, fees typically range from 15-50 cents per transaction, with high-volume pricing potentially below 10 cents. For credit card processing, standard market rates of 2.9% + $0.30 per transaction apply, with the platform's cost basis around 2.1% leaving approximately 0.8% margin plus $0.25 on the per-transaction fee.
2. Revenue Share with SaaS Integration Partners: SaaS platforms integrating Agile Payments earn a revenue share on all payment volume processed through their user base. The platform acts as a defacto sales organization, earning a percentage (25-65%+) of the processing margin between wholesale and retail pricing. Revenue share depends on transaction volume, risk profile, and leverage.
3. Managed/Hybrid PayFac Services: Agile Payments offers managed and hybrid payment facilitation services where SaaS platforms become sub-PayFacs, generating recurring revenue from transaction fees with reduced risk and compliance burdens compared to full PayFac status.
4. ACH Integration and Processing: Revenue derived from ACH transaction processing fees, with volume-based pricing tiers. SaaS platforms can set their own buy/sell rates and capture the delta as margin. Additional fees may apply for same-day ACH, instant bank account verification, and anti-fraud API calls.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Agile Payments provides integrated payment processing APIs and payment facilitation services that enable SaaS platforms and software application providers to accept ACH, credit card, and Canadian EFT payments directly within their software products. The company offers multiple payment facilitation models (full PayFac, hybrid PayFac, managed PayFac, and payments partnership) along with white-label API integration, allowing software platforms to onboard sub-merchants and monetize payment volume through revenue sharing.

Product overview

Agile Payments is an integrated payment solutions platform for SaaS providers and software application developers, operating as a modular platform with multiple processing and facilitation products. The core portfolio includes: Payment Gateway Integration, ACH Integration, and Credit Card Payment Integration as the foundational API products; Payment Facilitation, Hybrid Payment Facilitation, Managed Payment Facilitation, and ACH Payment Facilitation for sub-merchant onboarding models; Payment Aggregation and Marketplace Payment Solutions for multi-vendor platforms; Payments as a Service for quick-start monetization; Electronic Funds Transfer Canada for cross-border transactions; and High Volume ACH Processing for enterprise-tier direct bank relationships. These are augmented by utility add-on modules including ACH API, Virtual Terminal, IVR Solutions, SMS Payment Solutions, Anti-Fraud Tools, Instant Bank Account Verification, Checking Account Verification Services, Checking Account Owner Authentication, Bill Presentment and Payment (EBPP), and Credit Card Decline Management. The platform generates revenue through transaction fees, revenue sharing with partners, and API integration partnerships with software developers.

Differentiator

Problem solved

Functional benefit

Products and services

• ACH Integration ACH Payment Integration enables SaaS platforms and software providers to automate payment collection, disbursement, and reconciliation via the ACH network, allowing debiting and crediting of checking and savings accounts.
• High Volume ACH Processing High Volume ACH Processing provides direct ODFI relationships with layered technology integration for low-risk, high-volume transaction environments, offering better pricing than typical third-party processors.
• Payment Gateway Integration Payment Gateway Integration provides a secure PCI-compliant platform for credit card and ACH/EFT transactions with anti-fraud tools, risk-mitigation capabilities, and sub-one-second response times.
• Credit Card Payment Integration Credit Card Payment Integration enables software applications to process debit and credit card transactions with tokenized data security, decline management, and card network updater programs.
• SaaS Payment Processing Partnerships Revenue-sharing partnerships with SaaS platforms where Agile Payments processes payments for the platform's user base, offering multiple facilitation models from basic partnership to full PayFac.
• Marketplace Payment Solutions Marketplace Payment Solutions enable platforms to act as Merchant of Record, allowing sellers to accept payments without their own merchant accounts, with split payment functionality and seller reporting tools.
• Electronic Funds Transfer Canada Electronic Funds Transfer Canada allows Canadian-based businesses to debit checking accounts for one-time or recurring payments, providing a single platform for both US ACH and Canadian EFT transactions.
• Payment Aggregation Payment Aggregation enables platforms to act as Master Merchant, processing credit, debit card, and ACH transactions for sub-clients within their payment ecosystem with frictionless onboarding.
• Payments as a Service Payments as a Service (PaaS) provides platforms with quick API-based payment integration, instant merchant onboarding, revenue generation from payment processing fees, and offloading of compliance and financial risk.
• Payment Facilitation Payment Facilitation (PayFac) allows SaaS platforms to act as Master Merchant, enabling instant onboarding of sub-merchants to accept credit, debit card, and ACH transactions.
• Hybrid Payment Facilitation Hybrid Payment Facilitation offers benefits of true payment aggregation without significant compliance and resource demands, acting as a sub-PayFac under a true PayFac partner.
• Managed Payment Facilitation Managed Payment Facilitation enables instant merchant onboarding and payment revenue generation without the expense and risk of traditional full-blown Payment Facilitation.
• ACH Payment Facilitation ACH Payment Facilitation enables platforms to act as master merchant for ACH transactions, allowing instant client onboarding to accept customer ACH payments with lower processing costs than credit cards.

Quantifiable outcome

• ACH payment processing return rates are typically sub 2% compared to ~15% for credit card recurring billing, eliminating significant revenue leakage from failed recurring transactions.
• +5 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature14 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Vermont Systems (VSI)coreStrategic or Co-development PartnerVermont Systems (VSI), a leading recreation management software provider, engaged Agile Payments for strategic consultation on payment facilitation options, current payment processes, and partnership agreements. Agile Payments provided insight into how Payment Facilitation could better serve both VSI's end customers and VSI's business needs, resulting in improved margins and additional revenue opportunities.
• Sponsoring Banks (ODFI Partners)coreStrategic or Co-development PartnerAgile Payments has relationships with multiple sponsoring banks (ODFIs) that provide the direct bank connection for high-volume ACH processing. These banks are licensed with Agile Payments' layered technology and provide direct FedLine access, FedNow, same-day ACH, and international wire capabilities. Agile Payments knows which bank is the best fit for given use cases, though some require evaluation by multiple banks with different risk tolerances.
• Vantiv (Worldpay)coreStrategic or Co-development PartnerVantiv (now Worldpay, part of FIS) is identified as a pioneer and market leader in payment aggregation and PayFac solutions. Agile Payments discusses Vantiv as a potential partner for full PayFac registration, noting they were the first acquirer to develop tools for managing sub-merchant onboarding, risk controls, and payout tools. Vantiv provides the sponsoring bank/processor relationship required for becoming a true Payment Facilitator.
• PayPalminorStrategic or Co-development PartnerPayPal is referenced as the pioneer in payment facilitation, having first demonstrated that the master merchant/aggregation model could work when card associations initially prohibited it. Agile Payments uses PayPal's history as context for explaining the evolution of the PayFac model.
• SquareminorStrategic or Co-development PartnerSquare is referenced as a successful example of the PayFac model, having taken frictionless merchant onboarding to a new level with point-of-sale reader hardware and rapid online account activation. Square demonstrated that easy onboarding is a powerful client acquisition tool.
• StripeminorStrategic or Co-development PartnerStripe is discussed as a competitor/comparison in the Payments as a Service section. Agile Payments notes that Stripe owns the merchant account and doesn't share revenue with the platform, requires platforms to bill separately on top of Stripe fees, and charges a percentage on payouts — positioning Agile Payments' revenue-sharing model as superior for SaaS monetization.
• Mastercard and VisaminorStrategic or Co-development PartnerMastercard and Visa initially prohibited the master merchant aggregation model but were eventually forced to accept it as PayPal and Square demonstrated the model's viability. Agile Payments' payment facilitation services operate within the framework established by these card networks.
• NACHAminorStrategic or Co-development PartnerNACHA governs the ACH network and sets rules including the 2021 WEB Debit Account Validation requirement. Agile Payments provides ACH bank account validation tools to help clients comply with NACHA requirements, including same-day ACH options and the new FedNow real-time payment rail.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Stripe: Stripe is the dominant full-stack payment infrastructure provider and is explicitly referenced as a competitor in Agile Payments' own materials. Both target SaaS platforms with embedded payment APIs, but Stripe offers a vastly broader product surface (cards, ACH, wallets, BNPL, Connect, Issuing) while Agile specializes in ACH and PayFac models for vertical SaaS.
• Plaid: Plaid is a financial-data and bank-connection platform that competes with Agile Payments in the bank account verification, ACH authentication, and open-banking connectivity layer. Both serve SaaS platforms needing ACH onboarding and verification, though Plaid is broader (data connectivity, balance checks, identity verification).
• Square (Block): Block/Square is cited by Agile Payments as a successful example of the PayFac model with frictionless onboarding. While Block/Square is broader (POS hardware, banking, Cash App), its seller- and platform-facing payment infrastructure competes with Agile's PayFac and Payments-as-a-Service offerings for SMB and platform customers.
• Worldpay (Vantiv / FIS): Vantiv (now Worldpay/FIS) is explicitly described in Agile Payments' materials as a 'pioneer and market leader' in payment aggregation and the sponsoring acquirer behind many true PayFac registrations. Worldpay competes with Agile at the enterprise-PayFac tier and is a critical upstream partner relationship for Agile's Hybrid/Managed PayFac offerings.

Direct peers

• Spreedly: Spreedly provides payment orchestration and tokenization infrastructure that lets SaaS platforms connect to multiple payment gateways and processors through a single API. Both companies target the same SaaS-embedded-payments developer audience and overlap in tokenization, gateway routing, and recurring-payment tooling.
• Finix: Finix is a payments infrastructure platform that enables software companies to embed payments and monetize transaction flows, directly mirroring Agile Payments' PayFac-as-a-Service and revenue-share positioning. Both target vertical SaaS and marketplaces with sub-merchant onboarding, risk management, and revenue-share economics.
• Payrix: Payrix is an embedded payments platform for SaaS and ISVs that enables sub-merchant onboarding, payment facilitation, and white-label payment experiences. It competes head-to-head with Agile Payments' PayFac, Hybrid PayFac, and Payments-as-a-Service offerings for the same vertical-SaaS customer.
• Dwolla: Dwolla is an ACH-focused payment API platform explicitly named in Agile Payments' content as an alternative for ACH PayFac implementation. Both offer ACH APIs with instant merchant onboarding and risk-mitigation tools, and both compete for the same SaaS-platform-and-marketplace customer segment.
• WePay (JPMorgan Chase): WePay, now part of JPMorgan Chase, is purpose-built payment infrastructure for software platforms, providing embedded payments, sub-merchant onboarding, and risk management. It is a direct PayFac-for-platforms competitor to Agile Payments' Hybrid/Managed PayFac and Payment Aggregation products.

Emerging players

• Stax Payments (formerly Fattmerchant): Stax provides payment facilitation-as-a-service and integrated payments for software platforms and SMBs, overlapping with Agile Payments' Hybrid/Managed PayFac and revenue-share positioning. Both monetize payment volume processed on behalf of platform partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

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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 Agile Payments