Paydici

Name

Paydici

Legal name

Point & Pay LLC

Website

https://paydici.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Paydici, a DBA of Point & Pay LLC, is a U.S.-based online payment processing platform that enables government agencies and billers to accept credit card, debit card, and ACH payments from constituents through white-labeled web portals, earning revenue via per-transaction convenience fees.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

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

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industries

Government & Public Sector ACH (Tax, Benefits, Collections) (FSAMAGAH), Bank Bill Pay (Consumer & Small Business) (FSAMAJAC), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Online payment processing
• Government bill payment
• ACH electronic check
• Credit card processing
• Convenience fee platform

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Convenience Fees: Paydici charges a non-refundable convenience fee to customers who use the online payment service. This fee is added to the payment amount and appears separately from the payment on bank/credit card statements. The service provider acts as the merchant of record. This is a transaction-based revenue model where fees are charged per payment processed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

Paydici is an online payment processing platform that enables government agencies and billers to accept credit card, debit card, and electronic check (ACH) payments from citizens and customers. The platform supports one-time payments as well as scheduled and recurring ACH transactions, with Point & Pay LLC acting as the merchant of record and charging a non-refundable convenience fee per transaction.

Differentiator

Problem solved

Functional benefit

Products and services

• Point & Pay / Paydici Payment Platform Online payment processing platform enabling government agencies and billers to accept credit card, debit card, and electronic check (ACH) payments from citizens and customers. Supports one-time payments and scheduled/recurring ACH transactions with convenience fee processing, where Point & Pay LLC acts as the merchant of record.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Direct peers

• Invoice Cloud: Invoice Cloud is a direct competitor that provides an electronic bill presentment and payment (EBPP) platform specifically designed for government, utility, and insurance billers. It overlaps with Paydici on credit card, debit card, and ACH processing for municipal and agency clients, and is one of the most established players in government bill pay.
• ACI Payments (Forte Payments): ACI Payments / Forte Payments is a direct competitor offering government and biller payment processing via web, IVR, and point-of-sale channels. It serves many of the same state, municipal, and utility clients as Paydici and competes head-to-head on online convenience-fee card and ACH acceptance.
• PayIt: PayIt is a direct competitor that provides digital government services, including online bill payment for taxes, utilities, courts, and DMV transactions, to state and local agencies. Like Paydici, it focuses exclusively on government payments but at a larger scale with broader citizen-engagement functionality.
• NCR Atleos: NCR Atleos is a direct competitor in government and consumer self-service payments, operating ATM, self-service kiosk, and digital bill payment infrastructure. It overlaps with Paydici on digital payments for government agencies, particularly utilities and tax payments, with a much larger installed base.
• Paya (Nuvei): Paya, now part of Nuvei, is a direct competitor providing integrated payment processing for government, utilities, non-profit, and B2B billers. It supports the same credit card, debit card, and ACH transaction types as Paydici and competes for the same municipal and agency contracts.
• GovOS: GovOS is a direct competitor providing digital government services including payment processing for courts, taxes, permits, and utilities. It targets the same state and local government market as Paydici with a broader citizen-services suite, competing on both convenience-fee billing and integrated engagement features.

Broad incumbents

• Tyler Technologies (NIC): Tyler Technologies, through its NIC subsidiary, is a broad incumbent providing statewide digital government services including payment processing for taxes, courts, vehicles, and licensing. It competes with Paydici on the government payment side but bundles these services into a much larger enterprise software portfolio.
• Stripe: Stripe is a broad incumbent in online payment processing supporting credit card, debit card, and ACH transactions for businesses of all sizes. While not specialized in government bill pay, agencies or billers could substitute Stripe's standard payment APIs for Paydici's white-label portal, especially where developer integrations are preferred.
• PayPal (Braintree): PayPal, including Braintree, is a broad incumbent in online card and ACH payments. While not government-specialized, its ubiquity and brand trust make it an alternative for billers evaluating payment processors, particularly consumer-facing or SMB segments where Paydici also operates.

Emerging players

• PayNearMe: PayNearMe is an emerging player in bill payment that combines online card/ACH processing with cash payment networks at retail locations. It overlaps with Paydici on digital bill payments for agencies and billers, with differentiated cash-channel reach that complements its digital offering.

Market position

Customer concentration

• Xx.com/paydici
• Facebookfacebook.com/paydici
• LinkedInlinkedin.com/company/paydici

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 Paydici