ezPay365

Name

ezPay365

Legal name

ezPay365

Website

https://ezpay365.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Dublin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees from processing credit cards, debit cards, ACH, and HSA/FSA payments for clients in collection agencies, healthcare, legal, and commercial sectors. Revenue generated per transaction with rates negotiated based on client needs and merchant account classification.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

ezPay365 is a B2B payment processing platform that processes credit card, debit card, ACH, and HSA/FSA payments primarily for collection agencies, healthcare providers, law firms, and commercial accounts. The company delivers these services through a proprietary PCI-DSS certified payment gateway and a suite of payment channels including a virtual terminal, online payment portal, IVR integration, mobile/EMV readers, and a consumer-facing Payment Negotiator Portal, with deep compliance expertise for FDCPA and state disclosure requirements.

Product overview

ezPay365 is a unified payment processing platform offering a comprehensive suite of payment channels — including Credit & Debit Card Processing, ACH Payment Processing, HSA/FSA Processing, Payment Gateway, Online Web Payment Portal, Virtual Terminal/Agent-Based, Mobile Payment Solutions, Payment Negotiator Portal, and Interactive Voice Response (IVR) — designed primarily for Collection/ARM agencies, Healthcare providers, Law Firms, Commercial Accounts, Property Management, and eCommerce businesses. The portfolio centers on the company's proprietary Payment Gateway and Virtual Terminal as core infrastructure, supplemented by channel-specific add-ons (Online Portal, Mobile, IVR, Payment Negotiator Portal) that share compliance, fraud detection, and reporting features.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit & Debit Card Processing Acceptance of all major credit and debit cards, including high and managed risk merchant accounts, delivered through multiple technology-based payment channels (agent-based, virtual terminal, online, IVR, mobile, Text2Pay). Targeted at collection agencies, healthcare providers, law firms, and commercial businesses.
• ACH Payment Processing Automated Clearing House (ACH) and Check21 payment processing through an integrated gateway, providing flexible one-time and recurring payments, expedited funding to deposit or trust accounts, and online reporting for payments, funding, returns, and NOC. For businesses collecting recurring or installment payments.
• Payment Gateway Proprietary PCI-DSS certified payment gateway software that routes transaction information to acquiring banks and obtains authorization responses from issuing banks. Works with multiple gateway providers to deliver fraud monitoring, duplicate payment verification, and custom reporting. Targeted at businesses integrating payments into collection/CRM software.
• Online Web Payment Portal Professionally built, company-branded, compliant online payment portal featuring FDCPA and State Disclosure acknowledgment tabs, privacy disclosure, and mobile optimization for smartphones and tablets. Designed for businesses that need a self-service consumer payment experience while maintaining their own brand.
• Virtual Terminal / Agent-Based Secure web-based application integrated with collection or CRM systems, accessible from any connected device with unlimited simultaneous users. Accepts credit/debit cards, HSA/FSA, ACH, and one-off and payment plan transactions, with BIN blocking and fraud detection. Targeted at agents and call-center staff taking payments over the phone.
• Mobile Payment Solutions Secure EMV readers combined with tablet/PC-based software that enables payment processing from any location, supporting digital-first and field collection environments.
• Payment Negotiator Portal Consumer-facing self-service portal available 24/7/365 that allows consumers to make payments on their terms with secure login authentication, one-off and scheduled payment plan options, API-connected settlement options, and automatic payment receipts.
• Interactive Voice Response (IVR) Inbound telephone payment integration delivered through third-party IVR providers, enabling customers to self-serve and make payments via phone while maintaining discounted rates.
• HSA/FSA Payment Processing Healthcare Savings Account (HSA) and Flexible Spending Account (FSA) acceptance and processing, enabling companies collecting on healthcare accounts to correctly set up payment processes for these regulated account types.

Quantifiable outcome

• HSA accounts grew from $1 billion in 2008 to an estimated $43 billion, with 42 million Americans having a medical bill in collections - market opportunity indicators
• +1 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Collection/CRM Software Systems (unspecified)coreTechnology or IntegrationIntegrations with collection and CRM software systems to enable seamless payment processing through virtual terminal and agent-based transactions. Multiple payment gateway options provided with these integrations.
• Third-Party IVR Providers (unspecified)coreTechnology or IntegrationWorks with several third-party interactive voice response (IVR) providers to integrate payment processing capabilities for inbound telephone payments while maintaining discounted rates.
• Multiple Banking Partners (unspecified)coreTechnology or IntegrationOffers multiple banking and payment gateway options that are PCI-DSS certified. Banking relationships used to obtain merchant accounts including for managed or high-risk accounts. Company leverages relationships with bank underwriting departments.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• BillingTree: Payment processing platform purpose-built for the ARM, healthcare, and legal verticals. Directly comparable to ezPay365 because both specialize in compliant payment channels (IVR, agent-based, online portal, ACH, card) for collection agencies and healthcare providers.
• PaymentCloud: High-risk merchant account specialist serving collections, legal, and subscription merchants. Directly comparable to ezPay365's high-risk/managed merchant account capability and similar vertical focus on regulated, hard-to-place industries.
• HighRiskPay: High-risk payment processor focused on collections agencies, debt settlement, and similar regulated verticals. Comparable to ezPay365 in targeting the same ARM customer base with multi-channel card and ACH processing.
• Stax (formerly Fattmerchant): Subscription- and vertical-oriented payment processor offering card and ACH processing with transparent pricing to SMBs and verticals. Comparable to ezPay365 in serving regulated/niche verticals that need integrated multi-channel payment infrastructure.
• Paymentus: EBPP and vertical billing payments platform serving utilities, healthcare, and government. Comparable to ezPay365 in operating multi-channel payment infrastructure (card, ACH, IVR, mobile) for regulated, bill-presentment-intensive verticals.
• Payrix: Embedded payments platform for vertical SaaS and ISVs, offering card-not-present processing and multi-channel acceptance. Comparable to ezPay365 in serving verticals with specialized payment workflows and integrating into partner software stacks.

Broad incumbents

• Heartland Payment Systems (Global Payments): Large-scale payment processor serving SMBs and vertical industries with card, ACH, and gateway services. Comparable as a broad incumbent whose vertical-industry offering competes with ezPay365's ARM/healthcare positioning.
• Square (Block): General-purpose payment processor with broad industry coverage, modern APIs, and developer ecosystem. Competes for the same vertical SMB and mid-market buyers ezPay365 serves, with significantly greater technology and capital resources.
• Stripe: Leading developer-first payment platform offering card, ACH, and gateway services globally. While not vertical-specialized, Stripe increasingly moves downmarket into the verticals ezPay365 serves, often at lower processing costs.
• ACI Worldwide: Enterprise payments software provider offering real-time, card, and bill payment processing. Overlaps with ezPay365's gateway/orchestration and bill-payment capabilities at the higher end of the market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/ezpay365

Compliance1 record

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 ezPay365