Titanium Payments

What Titanium Payments does

Titanium Payments is a privately held payment processing company operating as a cooperative buying network and Independent Sales Organization (ISO), headquartered in Austin, Texas. Founded in 2000 by Andy Pitts as MLS Direct Network in Birmingham, Alabama, the company rebranded and relocated to Austin in 2016 to align with a technology-first fintech model. The firm offers processor-direct wholesale pricing across retail, restaurant, eCommerce, petroleum, and SMB verticals, distributing through 100+ offices nationwide and banking partnerships with Fifth Third Bank and Wells Fargo Bank.

Its product portfolio centers on the Titanium Flex platform, a cloud-based B2B payments system with API integration and developer customization capabilities, complemented by the Titanium Boost Business Mastercard issued by Patriot Bank, N.A. in partnership with fintech Receive, which provides SMBs early access to sales revenue without interest or credit checks. Additional modules include POS systems with CRM, sales reporting, employee management, and web-based inventory; mobile processing; eCommerce gateway integration via direct provider relationships with Paytrace, Authorize.net, and eProcessing Network; restaurant and hospitality POS; petroleum pay-at-the-pump; ACH/ARC/recurring billing; custom-developed solutions; and PCI compliance administration.

Titanium generates revenue primarily through transaction-based residuals on payment processing routed through sponsor banks, supplemented by subscription/recurring fees for custom-developed platform services and card-based revenue sharing through Boost. The go-to-market combines direct sales (phone and web forms) with channel partner distribution through its nationwide office network. The company is founder-owned with no disclosed institutional investors, parent entity, or acquisitions, and operates as a PCI DSS-compliant ISO with Nilson Top 50 ranking and BBB accreditation.

Name

Titanium Payments

Legal name

Titanium Payments, Inc.

Website

https://titaniumpayments.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Titanium Payments is a cooperative buying network and ISO providing processor-direct wholesale payment processing to SMBs across retail, restaurant, eCommerce, petroleum, and contact center verticals, anchored by the Titanium Flex platform and Titanium Boost Business Mastercard.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Sales Financing (52222)

akta.pro primary industry

Fintech & Payments Partner / ISO Referral Networks (FSAEAMAK)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment processing services
• Merchant services
• Credit card processing
• POS systems
• Cooperative buying network

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees for processing credit and debit card payments for merchants across various industries including retail, restaurant, eCommerce, petroleum, and hospitality.
2. Titanium Boost Business Mastercard: Revenue generated through the Titanium Boost Business Mastercard product which provides early access to business sales revenue.
3. Titanium Flex Platform Services: Custom-developed payment solutions and API integration services for businesses requiring tailored payment processing.
4. Cooperative Buying Network: The company operates as a cooperative buying network offering processor-direct wholesale pricing in the electronic payment industry.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Titanium Payments operates a cooperative buying network that delivers processor-direct wholesale pricing for electronic payment processing to U.S. merchants. Its core product is the Titanium Flex platform, a customizable cloud-based B2B payments system with developer API integration, complemented by the Titanium Boost Business Mastercard providing early access to sales revenue. The portfolio also spans POS systems, mobile processing, eCommerce/card-not-present gateways, petroleum processing, ACH/recurring billing, custom-developed payment solutions, and PCI compliance administration.

Product overview

Titanium Payments operates as a cooperative buying network offering processor-direct wholesale pricing for electronic payment processing. The product portfolio centers on the Titanium Flex platform, a technology-first payments solution with developer customization and API integration capabilities, complemented by the Titanium Boost Business Mastercard co-branded credit card providing early access to sales revenue. Additional modules include POS systems with CRM, sales reporting, employee management, and inventory tracking; mobile processing; eCommerce gateway services (via direct provider relationships with Paytrace, Authorize.net, and eProcessing Network); restaurant and hospitality POS integration; petroleum pay-at-the-pump processing; ACH/ARC/recurring billing; custom developed solutions; and PCI compliance services. The company serves retail, restaurant, and eCommerce business types.

Differentiator

Problem solved

Functional benefit

Brands

• Titanium Flex: B2B payments platform enabling businesses to manage cash flow with customizable and integrable solutions for their data, systems, and customer journey.
• Titanium Boost Business Mastercard

Products and services

• Titanium Flex Platform Customizable cloud-based B2B payments platform enabling businesses to manage cash flow with full developer customization and API integration across business data, systems, and customer journeys.
• Titanium Boost Business Mastercard Business credit card issued by Patriot Bank, N.A. that provides SMBs real-time access to earned revenue without interest or credit checks, with spending power that adjusts with sales and fee-free early repayment to build business credit.
• POS Systems Comprehensive point-of-sale system suite for card-present transactions, with CRM for marketing and rewards, detailed sales reporting, employee management and tracking, web-based inventory management, and accounting software integration.
• Mobile Processing Mobile payment processing solutions that enable businesses to accept payments on the road, combining in-house mobile products with access to top national mobile payment products.
• eCommerce & Card Not Present Processing Online and card-not-present payment processing delivered as a direct provider for leading gateways including Paytrace, Authorize.net, and eProcessing Network.
• Restaurant & Hospitality Point-of-sale integration solutions for bars, restaurants, and hotels combined with wholesale pricing, integrating with top national restaurant and hospitality POS solutions.
• Pay At The Pump Petroleum processing program compatible with most controllers and offering processing opportunities for fleet cards, addressing gasoline station payment processing needs.
• ACH, ARC & Recurring Billing Cash collection solutions that transform accounts receivable into efficient billing operations, helping businesses convert outstanding receivables into funds in their accounts.
• Custom Developed Solutions Tailored payment solutions built to specification with project management support, including Titanium Flex API integration for software platforms needing custom payment workflows.
• PCI Compliance Services Dedicated PCI compliance support including PCI administrators who help merchants maintain compliance and protect consumer and merchant data, including periodic third-party assessments and network scans under PCI DSS, VISA CISP, and Mastercard SDP requirements.

Quantifiable outcome

• Businesses gain early access to sales revenue with no fees or interest through Titanium Boost
• +1 more outcomes

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• PulsecoreStrategic or Co-development Partner · 24 March 2026Strategic partnership to launch a unified communication and payment platform for contact centers. The integrated solution combines voice, SMS, AI automation, and secure payment processing, targeting organizations across various industries.
• Approved ContactcoreStrategic or Co-development Partner · 24 March 2026Strategic partnership alongside Pulse to launch unified communication and payment platform for contact centers, integrating voice, SMS, AI automation, and secure payment processing.
• ReceivecoreStrategic or Co-development Partner · 17 July 2025Partnership to launch the Titanium Boost Business Mastercard, a product allowing SMBs real-time access to earned revenue without interest or credit checks. Receive raised a $4M seed round in conjunction with this partnership.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Square (Block): Square offers card-present POS hardware, mobile acceptance, software (register, payroll, banking), and seller financing to SMBs. Directly comparable to Titanium's POS, mobile, and SMB processing stack but with proprietary rails and a much larger merchant base.
• Clover (Fiserv): Clover is a POS and merchant services platform sold primarily through the bank/ISO channel (Fiserv) to SMBs across retail and restaurants. Closely comparable to Titanium's ISO-distributed POS and processing model, with overlapping verticals and merchant base.
• Toast: Toast provides an integrated restaurant POS + payments platform targeted at SMB and mid-market restaurants/hospitality. Directly competes with Titanium's Restaurant & Hospitality vertical on bundled software-plus-processing, but more vertically specialized.
• North American Bancard: North American Bancard is a large US ISO offering merchant processing, POS, and B2B cash-flow products through agent and partner channels. Closely comparable to Titanium's ISO/cooperative-buying-network model, multi-vertical coverage, and SMB focus.
• Heartland Payment Systems (Global Payments): Heartland is a longstanding ISO-distributed merchant processor serving SMBs across retail, restaurant, and eCommerce with cash-advance and integrated POS offerings. Directly comparable in legacy ISO channel, vertical mix, and SMB cash-flow feature set.
• Helcim: Helcim is a Canadian-rooted payments provider offering card-present, online, and integrated invoicing/B2B payments to SMBs with transparent pricing. Directly comparable to Titanium's SMB processing, Flex/B2B invoice cash-flow product, and no-contract positioning, though smaller and more software-led.

Broad incumbents

• Stripe: Stripe provides developer-first online payment processing plus a growing in-person Terminal/POS product. Comparable to Titanium on eCommerce/card-not-present processing and the Titanium Flex API platform, but operates at vastly larger scale and is optimized for software platforms.
• PayPal (Zettle/PayPal Zettle): PayPal's merchant processing and Zettle in-person/Omnicard offering covers the SMB online and in-store acceptance space. Comparable to Titanium across both card-not-present and card-present processing, but at much larger scale and with consumer brand reach.
• Global Payments: Global Payments is a major payment processor and acquirer offering integrated POS, ISO channel (Heartland), and software-led vertical commerce. Comparable to Titanium on broad vertical coverage and ISO/sponsor relationships, but at vastly larger scale.

Emerging players

• Stax by Fattmerchant: Stax is a subscription-based, transparent-pricing merchant processor selling to SMBs and software platforms with an API/embedded approach. Comparable to Titanium on SMB processing and emerging embedded/API positioning, but with a different distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/titaniumpayment

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Titanium Payments