Atlantic Merchant
- Company typePrivate
- Founded2005
- HeadquartersRaleigh, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Atlantic Merchant firmographics
Firmographics- Name
- Atlantic Merchant
- Legal name
- Atlantic Merchant Services
- Website
- https://atlanticmerchant.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Atlantic Merchant industry classification
Industry- Product category
- Payment Processing Services
- akta.pro primary industry
- Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB)
- akta.pro secondary industries
- Merchant Acquiring & Processing Platforms (BPAMAFAB), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
Keywords
Where Atlantic Merchant is headquartered
LocationHeadquarters
- HQ city
- Raleigh
- HQ country
- United States
- HQ region
- North America
Markets served
Atlantic Merchant business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Payment Processing Services: Transaction-based payment processing fees charged to merchants for processing credit card, debit card, and ACH transactions through the company's payment gateway and point-of-sale solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Contact for pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels1 record
Atlantic Merchant product offering
Product offeringCore offering
Atlantic Merchant Services provides electronic payment processing solutions to community banks and their merchant customers. Operating as a registered Independent Sales Organization (ISO) under Payroc LLC, the company distributes a full suite of payment processing products including payment gateways, virtual terminals, ACH processing, point-of-sale terminals, cloud-based payment orchestration, and developer APIs for merchant boarding, payments, funding, and reporting.
Product overview
Atlantic Merchant, operating as a partner of Payroc, offers a comprehensive payment processing platform comprising multiple integrated products. The core offering includes payment Gateway, Virtual Terminal, ACH processing, and Global Payment Orchestration for multi-channel transaction routing. Additional products include Payroc Cloud infrastructure, Payment Links for web-based collection, Invoicing and Billing, and Point of Sale solutions (Roc Services, Roc Terminal+, and Terminal hardware). The developer-facing portfolio includes APIs for Payments, Boarding, Funding, and Reporting, along with Integration Essentials for SaaS platforms. Specialized offerings include Bodega Ai for unattended retail and Roc Giving for charitable donations.
Differentiator
Problem solved
Functional benefit
Products and services
- Gateway
Companies that use Atlantic Merchant
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Atlantic Merchant technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Atlantic Merchant partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and flagship.
- Fifth Third Bank, N.A.corePayroc LLC is a registered Independent Sales Organization (ISO), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and Third Party Agent (TPA) of Fifth Third Bank. Atlantic Merchant Services operates as part of the Payroc network providing payment processing services.
- PNC Bank, N.A.corePayroc LLC is a registered ISO of PNC Bank. Atlantic Merchant Services operates under the Payroc network providing merchant payment processing services.
- Wells Fargo Bank, N.A.corePayroc LLC is a registered ISO of Wells Fargo Bank (Concord, CA) and Wells Fargo Bank Canadian Branch (Toronto, ON). Atlantic Merchant Services operates as part of the Payroc payment processing network.
- Deutsche Bank AGcorePayroc LLC is a registered ISO of Deutsche Bank AG (New York, NY). Atlantic Merchant Services operates under the Payroc network.
- Merrick Bank CorporationcorePayroc LLC is a registered ISO of Merrick Bank Corporation (South Jordan, UT). Atlantic Merchant Services provides payment processing services through this banking partnership.
- Woodforest National BankcorePayroc LLC is a registered ISO of Woodforest National Bank (The Woodlands, TX). Atlantic Merchant Services operates through this banking partnership for payment processing.
- KeyBank, N.A.corePayroc LLC is a registered ISO of KeyBank, N.A. (Cleveland, OH). Atlantic Merchant Services provides merchant payment processing through this banking relationship.
- Synovus BankcorePace Payments, Inc. (affiliated with Payroc) is a registered ISO of Synovus Bank (Columbus, GA). Atlantic Merchant Services operates within the broader Payroc payment processing network.
- Peoples Trust CompanycorePayroc LLC is a registered ISO of Peoples Trust Company (Vancouver, BC, Canada). Atlantic Merchant Services operates within the Payroc network for payment processing services.
- Payroc LLCflagshipAtlantic Merchant Services is a partner/sales organization under Payroc LLC. Payroc provides the technology infrastructure, payment gateway, cloud solutions, APIs, and banking partnerships. Atlantic Merchant provides sales and merchant services. Payroc is a registered ISO, ESO, PF, TPS, MSP, and TPA.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
Atlantic Merchant competitors and assessment
Company assessmentDirect peers
- North American Bancard: North American Bancard is one of the largest US ISOs/MSPs, offering merchant acquiring, POS, gateway, and payment processing to SMBs across all 50 states. Directly comparable as a sales-driven ISO with multi-bank sponsor relationships and SMB merchant focus.
- Electronic Payments Inc. Electronic Payments is a US ISO providing merchant processing, POS, gateway, and cash discount programs to SMBs. Closely matches Atlantic Merchant's model as a mid-size regional ISO targeting local merchants via direct sales agents.
- Total Merchant Services: Total Merchant Services is an ISO/merchant services provider offering card processing, POS, and gateway solutions to SMBs. Comparable in channel-driven ISO model, transaction-fee revenue, and SMB target market.
- Gravity Payments: Gravity Payments is an ISO/merchant acquirer focused on transparent flat-rate pricing for SMBs, with direct sales force and bank sponsor relationships. Directly comparable as a sales-led payment processor serving similar merchant segments.
- Dharma Merchant Services: Dharma is an ISO specializing in payment processing for SMBs with a values-aligned, relationship-driven approach. Comparable in ISO structure, SMB focus, and emphasis on personalized service over platform scale.
- PayJunction: PayJunction is a payment processing company offering gateway, virtual terminal, and POS solutions with an ISO-style partner channel. Comparable in product mix and SMB/bank-channel GTM.
Broad incumbents
- Fiserv (Clover): Fiserv is a Fortune 500 payment processor with the Clover POS platform, bank-sponsored acquiring relationships, and ISV/ISO partner programs. Overlaps with Atlantic Merchant's acquiring-and-processing capabilities but operates at vastly larger scale with broader product portfolio.
- Global Payments Inc. Global Payments is one of the largest global merchant acquirers and payment technology providers, serving SMBs through ISO/reseller channels. Comparable in merchant acquiring and ISO partnership model but at enterprise scale with much broader geographic and product reach.
- Block (Square): Block's Square offers integrated payments, POS hardware, and software to SMBs and competes directly for the same merchant accounts Atlantic Merchant targets. Comparable end-customer but very different delivery model (self-serve platform vs. ISO sales rep).
Emerging players
- Toast: Toast is a vertically specialized POS and payments platform targeting restaurants, with integrated acquiring and software. While different in vertical focus, it competes for the same SMB payment-processing wallet and demonstrates the integrated-platform trend pressuring traditional ISOs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Atlantic Merchant social profiles
Digital presenceAtlantic Merchant financial estimates
Financial estimateRevenue estimate
Valuation estimate
Atlantic Merchant leadership team
Management profileNumber of profiles
Profiles22 records
Atlantic Merchant funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Atlantic Merchant 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 Atlantic Merchant
What does Atlantic Merchant do?
Atlantic Merchant Services provides electronic payment processing solutions to community banks and their merchant customers. Operating as a registered Independent Sales Organization (ISO) under Payroc LLC, the company distributes a full suite of payment processing products including payment gateways, virtual terminals, ACH processing, point-of-sale terminals, cloud-based payment orchestration, and developer APIs for merchant boarding, payments, funding, and reporting.
Is Atlantic Merchant a public or private company?
Atlantic Merchant is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Atlantic Merchant founded?
Atlantic Merchant was founded in 2005. It employs 11 to 50 people.
Where is Atlantic Merchant based?
Atlantic Merchant is headquartered in Raleigh, United States, in the North America region.
How does Atlantic Merchant make money?
One revenue line is on record: payment Processing Services.
Who are Atlantic Merchant's main competitors?
Direct peers on record are North American Bancard, Electronic Payments Inc., Total Merchant Services, Gravity Payments, Dharma Merchant Services and PayJunction. Broad incumbents are Fiserv (Clover), Global Payments Inc. and Block (Square). Toast is listed as an emerging player.
Does Atlantic Merchant have an API?
Yes. Atlantic Merchant offers APIs including Payments API, Boarding API, Funding API, and Reporting API, as referenced in their Developer section. Additional offerings include Integration Essentials for prebuilt integrated payment solutions for SaaS platforms. Developer documentation is available at docs.payroc.com. Developer documentation is at docs.payroc.com.
What industry is Atlantic Merchant in?
Atlantic Merchant's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAB, Merchant Acquiring Banks & ISO/MSP Acquirers, with a secondary code of BPAMAFAB, Merchant Acquiring & Processing Platforms.