What Curbstone does

Curbstone Corporation is a payment-processing software company founded in 2002 by Ira Chandler and headquartered in Ball Ground, Georgia. The company builds integration software that connects cardholder transactions to acquirers for merchants running IBM i, iSeries, and AS/400 systems. Its core technology consists of native RPG APIs designed to plug directly into existing RPG-coded ERP and order-entry programs, eliminating the need for Web Services interfaces or new programming languages. The platform supports credit card, ACH, IVR, and card-on-file payments across in-person retail (with Dejavoo EMV terminals), e-commerce (with iFrame and payment-landing-page integration), and MOTO (mail order/telephone order) channels, with omni-channel tokenization unifying customer payment data across sales channels. Curbstone is a PCI-validated Level 1 Service Provider and operates a remote-tokenization service that stores reversible, non-cryptographic tokens in the Curbstone Vault, allowing merchants to take their existing infrastructure fully out of PCI audit scope and qualify for reduced Self-Assessment Questionnaires.

The company monetizes through transaction-based fees under a flat-fee pricing model, with strategies to improve transaction quality and reduce downgrade fees. It goes to market through a hybrid motion combining direct enterprise field sales (with dedicated Implementation Project Managers walking teams through integration) and channel partnerships with IBM i ERP vendors, including out-of-the-box integrations with Iptor (DC1, IP1, Pharma1), InTempo Enterprise (RentalMan), Infor XA, HarrisData, Mincron, Paragon, DPS, Ximple, and Alliant Data Systems/CampusKey. Its named customer base spans manufacturing (Delta Apparel, Filter Specialists), automotive (Corvette America), sports/retail (Shimano/Pearl Izumi), telecommunications (Shenandoah Telephone), insurance (Senior Life Insurance), collectibles (Mystic Stamp), and distribution (Bartlett Bearing), processing more than $5 billion in transactions and 400 million connections annually.

Curbstone was acquired in November 2020 by Volaris Group, a Toronto-based subsidiary of Constellation Software Inc., and operates as a portfolio company under Volaris's buy-and-hold philosophy. Following the acquisition, Curbstone has coordinated its roadmap with sister company InTempo Software (also Volaris-owned and IBM i-based) and expanded into adjacent payment modalities including IVR, ACH, URL payment links, and an Embedded Business Payments program for Independent Software Vendors. The company holds PCI-DSS Level 1 certification, CCPA, GDPR, and COPPA compliance postures, and publishes content-driven marketing aimed at IBM i IT and finance leaders.

Name

Curbstone

Legal name

Curbstone Corporation

Website

https://curbstone.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Curbstone Corporation provides IBM i/iSeries/AS/400-native payment processing software with RPG APIs, remote tokenization, and out-of-the-box ERP integrations for mid-market merchants in manufacturing, distribution, retail, and recurring-billing verticals. The company is a PCI Level 1 Service Provider, a Volaris Group subsidiary, and processes more than $5 billion in transactions annually.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

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

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ)

Keywords

• IBM i payment processing
• Credit card processing
• PCI compliance solutions
• ERP payment integration
• Remote tokenization

Headquarters

HQ city

Ball Ground

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Transaction Fees: Transaction-based fees for credit card, ACH, and debit card processing. Flat-fee pricing structure with strategies to improve transaction quality and reduce downgrade fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Curbstone provides a credit card, ACH, and IVR payment processing platform purpose-built for IBM i, iSeries, and AS/400 environments, with native RPG APIs that integrate directly with merchants' existing ERP and order entry systems. The platform supports omni-channel payments across retail, online e-commerce, mail order/telephone order (MOTO), and B2B channels, and uses PCI-validated remote tokenization to keep cardholder data off merchant systems. It enables real-time authorizations, card-on-file recurring billing, EMV terminal processing, and out-of-the-box integrations with ERP packages such as InTempo Enterprise, Iptor DC1/IP1/Pharma1, and Infor XA.

Product overview

Curbstone is a unified payment platform offering credit card, ACH, and IVR payment processing specifically designed for the IBM i, iSeries, and AS/400 environment. The platform provides native RPG API integrations with multiple ERP systems (Iptor, InTempo Enterprise, Infor XA, and others) and supports omni-channel payments across in-person retail, online e-commerce, and MOTO (mail order/telephone order) channels. Core components include Remote Tokenization (for PCI scope reduction), Card on File Payments (for recurring/subscription billing), Real-Time Authorizations (under 2 seconds), and MOTO payment processing with IVR support. Additional modules cover Chargeback Defense, Automated Daily Batch Settlement, EMV Terminals, B2B Payments with Level II/III support, and URL Payment Links. The platform is designed to keep sensitive payment data off merchant systems, helping businesses qualify for reduced PCI SAQs.

Differentiator

Problem solved

Functional benefit

Products and services

• Curbstone Payment Platform A SaaS payment platform for IBM i, iSeries, and AS/400 environments that connects merchants' existing computing infrastructure with payment networks and acquirers, enabling credit card, ACH, and IVR payments across multiple sales channels. Designed for mid-to-large organizations running ERP systems on IBM i.
• Card on File Payments Token-based recurring payment solution that lets merchants store customer cards for repeat transactions without holding sensitive card data on their own systems. Supports daily, weekly, monthly, quarterly, and yearly recurring billing.
• MOTO (Mail Order/Telephone Order) Payments Card-not-present payment processing for phone and mail orders, including virtual terminal, IVR support, and integrated call center solutions that keep agents and infrastructure out of PCI scope.
• Remote Tokenization PCI-compliant tokenization service that replaces credit card data with reversible, non-cryptographic tokens stored remotely in the Curbstone Vault, so sensitive cardholder data never resides on merchant systems.
• Online Payment Processing E-commerce payment processing with iFrame integration, payment landing pages, and shopping cart integration for IBM i, Windows, or Linux, with tokenized card data to protect against cyber threats.
• Retail Payment Processing In-person card-present payment processing including EMV chip card terminals, contactless payments, and POS integration callable from RPG programs on IBM i.
• EMV Payment Terminals Dejavoo EMV chip card terminals for retail environments, supporting chip insertion, contactless tap-to-pay, and manual key entry fallback, integrated with Curbstone's RPG-based payment platform.
• B2B Payments Corporate purchasing card support with Level II and Level III data processing for B2B transactions, including destination zip codes and tax amounts.
• IVR Payments Interactive Voice Response system for phone-based payments, enabling customers to enter card data via keypad without agent involvement and removing the phone system and call agents from PCI scope.
• Embedded Business Payments (For ISVs) Payment integration capabilities for Independent Software Vendors to embed Curbstone payment processing into their own applications, supporting channel and ISV-led distribution.
• Omni-Channel Payments A single payment platform supporting in-person, online, and MOTO sales channels with cross-channel tokenization, enabling B2B and B2C payments across channels from one integration.

Quantifiable outcome

• Processing over $5 billion in transactions annually
• +4 more outcomes

Named customers9 records

Segments13 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature9 records

Partnerships

Four partnerships are on record, tiered core and minor.

• InTempo SoftwarecoreStrategic or Co-development PartnerInTempo Software, a Volaris company also based on IBM i platform, is working hand-in-hand with Curbstone. General Manager Matt Hopp leading combined efforts to build Curbstone technologies.
• ConnectriaminorStrategic or Co-development PartnerPartnership centered around Curbstone payment integrations processing credit and debit card payments within Connectria-hosted environments.
• IptorcoreTechnology or IntegrationOut-of-the-box software integration with Iptor DC1, IP1, and Pharma1 ERP systems requiring no custom programming. Merchants can add payment function to existing Iptor software without building new integration.
• InTempo EnterprisecoreTechnology or IntegrationOut-of-the-box integration with InTempo Enterprise (rental management software) requiring no custom programming.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• FIS: Large incumbent in merchant acquiring, payment processing, and fintech infrastructure for banks and large enterprises. Overlaps with Curbstone at the transaction-processing layer, though it does not focus on IBM i specifically.
• Stripe: Modern cloud-native payment platform with developer-friendly APIs. Competes indirectly by pushing the broader market toward cloud-first payment integration, pressuring legacy processors including Curbstone.
• ACI Worldwide: Global payments software provider offering real-time electronic payment processing for banks, merchants, and corporates. Comparable as a broad payment-processing incumbent that competes for enterprise payments workloads.
• Authorize.Net (Visa): Established payment gateway owned by Visa serving SMB and mid-market merchants. Comparable as a general-purpose payment gateway that overlaps with Curbstone's online and MOTO processing capabilities.
• Adyen: Global unified payments platform serving large enterprises with omnichannel processing. Comparable as a high-end enterprise payment platform targeting the same merchant profiles Curbstone serves.

Direct peers

• Forte Payment Systems: Integrated payment processor acquired by Blackbaud, focused on vertical-market and B2B/ERP-integrated payments for nonprofits, healthcare, and other verticals. Comparable to Curbstone in offering embedded, ERP-style payment integration rather than pure standalone processing.
• North American Bancard: US payment processor offering integrated processing, POS, and gateway solutions for SMB and mid-market merchants. Comparable to Curbstone as a flat-fee, integrated payments provider targeting verticals with ERP-like workflows.
• OpenEdge Payments: Division of Global Payments serving vertical software ISVs and SMB merchants with integrated payment solutions. Directly comparable to Curbstone's embedded ISV payment model and vertical-market GTM.
• Payrix (NMI): Embedded payments platform purpose-built for ISVs and software platforms. Closely comparable to Curbstone's 'Embedded Business Payments (For ISVs)' offering and channel-led growth through ERP/software partners.

Emerging players

• ProfitStars (Jack Henry): Jack Henry's fintech division providing payment and digital solutions to community banks and their commercial customers. Comparable as a vertical-focused payment platform tied to core banking/ERP systems.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Curbstone