What Payment Partners does

Payment Partners (legal entity Partner Management Group, LLC; DBA Partner Payments) is a Tampa, Florida-based payment processing reseller founded in 2016. Operating as a Registered MSP/ISO of Elavon, Inc. (a wholly owned subsidiary of U.S. Bancorp), the company provides a bundled suite of non-cash payment products — credit and debit card processing, check guarantee, ACH processing, gift card, loyalty programs, and POS hardware/software — to small and mid-sized U.S. merchants across ten verticals including Automotive, Restaurant, Medical/Healthcare, Retail, Home Services, Building Materials, E-Commerce, and High Risk merchants.

The underlying technology stack is Elavon-provided processing infrastructure connected to Visa and Mastercard card associations, augmented by third-party POS/gateway integrations (e.g., talech retail equipment) and an online Business Dashboard for gift card management and reporting. Payment Partners does not own the payment rails, develop proprietary models, or expose APIs/SDKs; its value-add is consultative merchant onboarding (free cost comparisons, statement analysis, equipment installation within ~7 days, 24/7 customer service) plus curated integrations.

Revenue is generated via transaction-based fees on processed volume (retail qualified vs. card-not-present differential pricing) and revenue share from channel partners (financial institutions, trade associations, franchise organizations, resellers). The go-to-market is sales-led via business consultants, supplemented by a multi-tier referral channel. The company is privately held, has 1-10 employees, and has no disclosed external funding, M&A, or international operations.

Name

Payment Partners

Legal name

Partner Management Group, LLC

Website

https://partnerpayments.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Payment Partners is a Tampa-based, Elavon-affiliated payment processing reseller offering credit/debit card, ACH, check guarantee, gift card, loyalty, and POS solutions to SMB merchants across ten U.S. verticals, monetizing via transaction fees and partner revenue share.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Payment processing services
• Merchant card processing
• POS solutions
• ACH processing
• Check guarantee services

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Card Processing Fees: Transaction-based fees charged to merchants for processing credit and debit card payments. Pricing reflects interchange fees from card associations plus processing bank and service organization fees. Discount rates vary based on transaction type (retail qualified vs. card-not-present) and industry.
2. Partner Revenue Share: Revenue share or referral fees earned through partnerships with financial institutions, associations, resellers, and referral partners who bring merchant clients to the platform.
3. Check and ACH Processing Services: Fees for electronic check processing at half the cost of credit cards and ACH transaction processing for one-time or recurring payments.
4. Gift Card and Loyalty Programs: Programs designed to drive return customer visits and increase foot traffic. Revenue derived from transaction processing when gift cards are redeemed.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Payment Partners (DBA of Partner Management Group, LLC) is a one-stop-shop payment solutions provider offering a full suite of non-cash payment products to small and mid-sized merchants across multiple verticals. The core offering spans credit card processing, check guarantee services, ACH processing, gift card solutions, loyalty programs, and POS hardware/software solutions, delivered through Elavon processing infrastructure.

Product overview

Partner Payments (a division of Partner Management Group, LLC) is a full-service, one-stop-shop payment solutions provider offering a unified suite of non-cash payment products. The core portfolio consists of Credit Card Processing, Check Services (Check Guarantee), Gift Card Solutions, Loyalty Programs, ACH Processing, and Point of Sale Solutions. These products work together as an integrated offering: merchants use the POS Solutions for transaction acceptance, Credit Card Processing and ACH for fund settlement, Check Services for check risk mitigation, and Gift Card/Loyalty Programs for customer retention. An add-on High Risk Processing module extends services to higher-risk merchant categories. The company operates as an Elavon Payments Partner and Registered MSP/ISO of Elavon, Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing End-to-end credit and debit card processing for in-person, phone, mobile, and web transactions. Settles funds via card associations (Visa, MasterCard) and handles purchase adjustments, chargebacks, and real-time sales reporting for SMB merchants across multiple verticals.
• Check Services (Check Guarantee) Paper check acceptance with no risk to the merchant, plus electronic check processing with next-day funding at approximately half the cost of credit cards. Guarantees approved checks so merchants receive the full amount.
• Gift Card Solutions Promotional and gift cards for businesses to extend marketing efforts, attract new customers, and generate additional revenue. Includes an online Business Dashboard for loading dollar amounts, distributing cards, and tracking redemption.
• Loyalty Programs Customizable loyalty rewards, offers, and promotions including loyalty cards, points cards, and club cards that reward customers and drive specific sales to encourage customer retention.
• ACH Processing Automated Clearing House electronic network processing for direct deposits, payroll, vendor payments, consumer bill payments, and recurring transactions, with batch processing for credit and debit transfers.
• Point of Sale Solutions Suite of options to accept payments in-person, over the phone, on the web, or via mobile devices and tablets, including POS hardware, software, and integrations to software vendors or gateways.
• High Risk Processing Solutions Specialized payment processing solutions for high-risk merchants and industries that have been turned down by other credit card processors. Supports both online and in-person high-risk credit card and ACH transactions.

Quantifiable outcome

• 65% of gift card recipients spend an average of 38% more than the face value of their cards
• +1 more outcomes

Segments10 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ElavoncoreTechnology or IntegrationPartner Payments is an Elavon Payments Partner & Registered MSP/ISO of Elavon, Inc. Georgia, a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN. This partnership provides the processing infrastructure and network connections for credit card transactions, card associations (MasterCard and VISA), and settlement services.
• Financial Institution PartnerscoreChannel Partner/ Reseller/ DistributorPartner Payments has partnerships with financial institutions that offer their merchant customers payment processing solutions. Financial institutions earn non-interest income through referral fees while providing merchants with access to Partner Payments' full-suite of payment solutions.
• Associations & Market PartnerscoreChannel Partner/ Reseller/ DistributorPartner Payments partners with trade associations and franchise organizations. These partners offer their members and franchisees discounted rates on payment processing while earning revenue share rebates from Partner Payments.
• Resellers & Referral PartnersminorChannel Partner/ Reseller/ DistributorMerchant sales organizations and merchant sales agents who resell or refer businesses to Partner Payments. These partners are compensated through revenue share programs and receive tools and support to succeed.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Payment Depot: Subscription-based SMB payment processor operating as an ISO with interchange-plus pricing. Closest direct comparable given similar ISO model, SMB focus, and multi-vertical approach.
• Stax: Subscription-priced payment processing platform targeting SMB and mid-market merchants across verticals. Comparable as a tech-forward ISO/MSP competing on transparency and bundled software.
• Helcim: Direct SMB payment processor offering merchant accounts, POS, and online processing with transparent interchange-plus pricing. Comparable in serving multi-vertical SMBs with a one-stop-shop suite.
• National Processing: ISO providing payment processing to SMBs across verticals including restaurant, retail, and automotive. Directly comparable in business model, target verticals, and consultative sales approach.
• CDG Commerce: SMB-focused merchant services provider offering credit card processing, ACH, and check services. Closely comparable given similar product breadth and vertical-agnostic SMB approach.

Broad incumbents

• Square (Block): Dominant SMB payments platform offering integrated hardware, software, and processing. Competes with Payment Partners across all of its verticals but with vastly more resources and proprietary technology stack.
• Clover (Fiserv): POS-integrated payment processing solution from Fiserv serving SMBs across restaurant, retail, and service verticals. Comparable as a bundled POS + processing offering targeting similar merchants.
• Stripe: Global payments platform with strong SMB and ecommerce presence. Overlaps on Payment Partners' ecommerce and online payment processing, though Stripe skews more digital-first and tech-savvy merchants.
• PayPal (Braintree): Broad incumbent in online and omnichannel payments. Competes with Payment Partners particularly in ecommerce and SMB checkout processing via Braintree.

Emerging players

• PaySimple: SMB payment and billing platform offering credit card processing, ACH, and recurring payments. Comparable in serving small businesses with integrated payment and billing needs, particularly service-based verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/PartnerPay
• Facebookfacebook.com/partnerpayments
• LinkedInlinkedin.com/company/partnerpayments

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Payment Partners