Name

Cloud9 Payment Gateway

Legal name

PAYMUSE INC.

Website

https://c9pg.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Payment Gateway Services

NAICS

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

SIC

Finance Services (6199), Services-Computer Processing & Data Preparation (7374), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

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

akta.pro secondary industries

Payment Gateways & API Connectivity (FSAGABAB), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Payment Gateways & Orchestration (BPAMAFAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment gateway services
• Credit card processing
• ACH transaction processing
• Payment terminal hardware
• ISO merchant onboarding

Headquarters

HQ city

Deerfield Beach

HQ country

United States

HQ region

North America

Offices1 record

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: Gateway fees charged per transaction processed through the platform, routing payments across multiple processors with processor-agnostic routing.
2. Terminal Hardware Sales: Sale of payment terminals including Ingenico, PAX, and PAYMUSE devices that are pre-programmed and ready for processing.
3. Platform/Subscription Services: Gateway platform access with merchant onboarding, unified back office, and hierarchical transaction management for ISOs and software vendors.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Cloud9 Payment Gateway develops and operates a processor-agnostic payment gateway that routes, authorizes, and settles credit card, debit card, and ACH transactions across 10 payment processors through a single unified REST/JSON API. The platform supports terminals, eCommerce, mobile, and POS channels, and is paired with certified payment terminal hardware and a unified back-office portal for merchants, ISOs, and software vendors.

Product overview

Cloud9 Payment Gateway is a processor-agnostic payment gateway platform founded in 1995 that routes, authorizes, and settles transactions across 10 payment processors (Chase Paymentech, Elavon, Global Payments, HPS, NUVEI, TSYS, TransFirst, Vantiv, USAT, WorldPay) through a single unified API. The core Cloud9 Payment Gateway platform is complemented by the optional Payment Device Controller (PDC) for terminal communication management, available in local, mobile, and cloud variants. The company supports hardware terminals from Ingenico (full direct integration), PAX (semi-integration), and PAYMUSE (portable). Additional offerings include the Cloud9 Portal for unified back office management, Virtual Terminal for browser-based keyed transactions, iFrame Hosted Checkout for embedded payment forms, Cloud9 Analytics for transaction analytics, and Cross-Processor Tokenization for processor-agnostic card vaulting. The legacy CreditLine product has been superseded by Cloud9.

Differentiator

Problem solved

Functional benefit

Products and services

• Cloud9 Payment Gateway Processor-agnostic payment gateway that routes, authorizes, and settles credit card, debit card, and ACH transactions across 10 processors through a single unified REST/JSON API. Supports terminals, eCommerce, mobile, and POS channels with 99.9% uptime SLA.
• Payment Terminal Hardware (Ingenico, PAX, PAYMUSE, Dejavoo) Sale of pre-programmed payment terminals from Ingenico (Axium, Tetra — NFC/Apple Pay/Android Pay/Samsung Pay/Quick-Chip/Pin on Glass), PAX (Android-based A920, S300 — EMV/NFC/Pin on Glass/Pin on Mobile), PAYMUSE portable Bluetooth terminals (V10/VM30 — EMV/NFC/Pin on Glass), and Dejavoo, all integrated and certified with the Cloud9 gateway.
• Cloud9 Portal (Unified Back Office) Unified back-office portal for managing every processor, terminal, and merchant relationship from a single interface. Provides hierarchical transaction filtering (business, region, store, profit center), batch operations, and consolidated reporting, eliminating fragmented reporting and separate logins across processors.
• Virtual Terminal Browser-based virtual terminal supporting keyed credit card, debit, and ACH acceptance with a tokenized card vault for stored payment methods. Targets eCommerce, MOTO, Restaurant, Lodging, and Retail use cases, with online EBT PIN support.
• iFrame Hosted Checkout Embedded checkout form delivered via iFrame that allows merchants to accept payments without backend work and with zero PCI scope. Cloud9 handles card collection, tokenization, and processing, and supports Google Pay, Apple Pay, and card payments.
• Developer Portal & API Documentation Self-service developer portal with REST API documentation, OpenAPI Swagger sandbox for testing, native SDKs for C/C++/C#, VB, iOS, Android, and HTML/JS, plus integration setup guides. Enables self-service integration by developers and software-vendor partners.
• Payment Device Controller (PDC) Optional terminal-communication component available in local (Desktop), Payment Mobile Controller (PMC), and Payment Web Controller (PWC/cloud) variants with SOAP, JSON, or C/C++/Java wrappers. Simplifies terminal communication and adds offline Store & Forward functionality.
• Cloud9 Analytics Real-time transaction analytics with volume trends, batch trends, and revenue visualization across business hierarchies (enterprise to profit center). Includes multi-location comparison, outstanding batch tracking, settlement monitoring, and AI-powered anomaly detection of uptime, throughput, latency, and error rates.
• Mobile POS (Next Gen Mobile POS) Mobile payment acceptance initiative combining the Cloud9 gateway with portable Bluetooth terminals (PAYMUSE V10/VM30) and mobile processing capabilities, expanding from in-store terminals into mobile payment acceptance.

Quantifiable outcome

• 99.9% uptime SLA maintained since 1995
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability2 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• PAX TechnologycoreTechnology or IntegrationPAX Android smart terminals (A920, S300) integrated with Cloud9 gateway via C9PDC app bridge. Semi-integrated deployment with direct cloud connection to Cloud9 processors.
• IngenicocoreTechnology or IntegrationIngenico Tetra terminals (Move/5000, Lane/3000) with full direct integration and L3 EMV certification through Cloud9 gateway. Supports Quick-Chip, NFC, and Pin on Glass.
• Oracle Micros Opera / SimphonycoreTechnology or IntegrationCloud9 holds OPI Native SPI certification for Oracle Micros Opera and Simphony POS integration, enabling compatibility with hospitality technology deployments.
• Jonas POScoreTechnology or IntegrationDedicated support relationship for Jonas POS clients with dedicated phone line (813-600-3225) and specialized integration documentation.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stripe: Stripe is the leading developer-first payment gateway/processor with a REST API, multi-processor routing capabilities, and strong software-vendor and platform-embedded payments motion. It directly competes with Cloud9 in API-first merchant onboarding and ISO/ISV partner enablement, but at vastly larger scale.
• Adyen: Adyen is a global, unified payment platform offering a single API across processors, channels, and geographies — the closest functional analog to Cloud9's processor-agnostic, single-API value proposition. It directly competes for enterprise and platform merchants seeking global, processor-flexible payment orchestration.
• Authorize.Net: Authorize.Net is a long-standing payment gateway (founded 1996, owned by Visa) offering hosted checkout, tokenization, and recurring billing, similar to Cloud9's SMB and ISO channel focus. It is a direct competitor in the SMB/ISO gateway segment where Cloud9 also competes, with comparable longevity and processor-agnostic ambitions.
• Block (Square): Block's Square provides integrated payment processing, gateway, hardware terminals, and software-vendor (Square for Restaurants/Retail) offerings directly overlapping Cloud9's merchant, ISO, and software-vendor segments. It competes across the same SMB to mid-market merchant base, with its own terminal hardware line analogous to Cloud9's Ingenico/PAX/PAYMUSE deployments.
• NMI: NMI is a payment gateway and enablement platform focused on ISOs, ISVs, and software vendors, offering multi-processor routing through a single integration. It is a direct competitor in Cloud9's core ISO and software-vendor (embedded payments) segments with comparable multi-processor orchestration capabilities.
• Braintree (a PayPal service): Braintree is a PayPal-owned developer-first payment gateway offering a unified API for cards, wallets, and alternative payment methods, plus a tokenization vault. It competes directly with Cloud9's API-first gateway, cross-processor tokenization, and software-vendor/ISO onboarding motions.

Broad incumbents

• Global Payments Inc. Global Payments is a broad payments incumbent providing processing, gateway, hardware, and software-vendor solutions across SMB, enterprise, and ISO channels. It both appears as one of Cloud9's 10 supported processors and competes for gateway and merchant acquiring business in overlapping segments.
• Fiserv (First Data / Clover): Fiserv (via First Data and the Clover platform) is a broad incumbent offering processing, gateway, POS, and merchant services with strong SMB and software-vendor reach. It competes with Cloud9 across gateway, terminal, and integrated POS channels at much larger scale, and is also a processor in Cloud9's supported network.

Emerging players

• Stax (Fattmerchant): Stax (formerly Fattmerchant) is a subscription-based payment processor and gateway offering transparent interchange-plus pricing, ISO/agent partner programs, and developer APIs. It is an emerging player competing for the same SMB and ISO segments Cloud9 targets, with a more modern, transparent pricing model.
• Paymentus: Paymentus is a billing and electronic payment processing platform with biller-direct and agent/ISO channels similar in architecture to Cloud9's ISO and software-vendor go-to-market. It is an emerging player in the broader payment orchestration space with overlap in recurring and virtual-terminal capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cloud9paymentgateway
• LinkedInlinkedin.com/company/911-software-inc

Compliance7 records

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 Cloud9 Payment Gateway