What EasyPay Solutions does

EasyPay Solutions, Inc. (operating as EasyPay Solutions, also branded EASY PAY and EPS) is a private payment facilitation company founded in 1996 and headquartered in South Portland, Maine, with 51-100 employees. The company operates as a registered Payment Facilitator of Key Bank and a registered Independent Sales Organization of Synovus Bank, providing the sponsor-bank rails needed to process card transactions on its own balance sheet while holding HIPAA Business Associate Agreement capability, PCI DSS compliance, and EU-U.S./UK/Swiss-U.S. Data Privacy Framework certifications.

Its core product is the Aspen Card Processing System, an embedded payments platform that handles credit and debit card transactions, card-on-file storage, recurring billing, text-to-pay, Apple Pay and Google Pay digital wallet acceptance, multi-currency international payments, surcharge and convenience fee configuration, and in-person point-of-sale terminals. EasyPay distributes Aspen primarily through OEM/embedded partnerships with independent software vendors and SaaS providers, enabling those partners to white-label payment experiences inside their own applications. Adjacent service offerings include proactive strategic planning, revenue forecasting, marketing development and execution, dedicated relationship management, and seamless white-label user enrollment.

The company monetizes through transaction fees and revenue sharing on processed volume (as a PayFac/ISO) and through recurring billing and subscription management services. Its customer base spans ISVs and SaaS providers (primary channel), medical practices and healthcare providers (HIPAA-compliant workflows), value-added resellers bundling payments with their own offerings, and major retailers including luxury department store chains. Distribution is consultative and partnership-driven, supported by an AI-powered developer documentation suite (docs.number.tech) aimed at reducing integration friction for software partners.

Name

EasyPay Solutions

Legal name

Easy Pay Solutions, Inc.

Website

https://easypaysolutions.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

EasyPay Solutions is a private, U.S.-headquartered payment facilitator that provides embedded card processing, recurring billing, digital wallets, and HIPAA-compliant payments to ISVs, SaaS providers, healthcare practices, VARs, and major retailers under its Aspen platform.

Ownership category

akta.pro rank

Product category

Embedded Payment Processing

NAICS

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

SIC

Finance Services (6199), Services-Computer Programming Services (7371)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Payment Orchestration Platforms (FSAGABAA), Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

Keywords

• Embedded payment processing
• Payment facilitator services
• Card processing platform
• Recurring billing solutions
• White-label payment integration

Headquarters

HQ city

Lisbon

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, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Payment Processing & Transaction Fees: EasyPay generates revenue through transaction fees and revenue sharing on payment processing volumes. As a registered Payment Facilitator (PayFac) and Independent Sales Organization (ISO), the company earns a percentage of each transaction processed through its platform, including credit/debit card transactions, digital wallet payments, and recurring billing charges. The company emphasizes transparent revenue share structures with merchant partners.
2. Recurring Billing & Subscription Management: Revenue from card-on-file and recurring billing services, enabling ISVs and SaaS providers to automate subscription collections and ongoing payment capture from their end customers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

EasyPay Solutions operates an embedded payments platform — the Aspen Card Processing System — that enables ISVs, SaaS providers, healthcare practices, VARs, and retailers to accept and process card payments, recurring billing, text-to-pay, digital wallet (Apple Pay/Google Pay), multi-currency, and in-person POS transactions under white-label integration. The company functions as a registered Payment Facilitator of Key Bank and a registered ISO of Synovus Bank, providing banking-sponsored transaction processing with transparent revenue-share economics and AI-assisted developer documentation.

Product overview

EasyPay Solutions offers a unified embedded payments platform designed for ISVs and SaaS providers. The core offering centers on the Aspen Card Processing System, which provides payment facilitation services including card processing, Text-2-Pay, Card-on-File & Recurring Billing, digital wallet integration (Apple Pay & Google Pay), Multi-Currency & International Payments, Surcharge & Convenience Fee Options, and In-Person Payments. The company operates as a registered Payment Facilitator of Key Bank and ISO of Synovus Bank, serving healthcare practices, VARs, and major retailers with a focus on seamless integration and partnership-driven growth strategies.

Differentiator

Problem solved

Functional benefit

Products and services

• Aspen Card Processing System Proprietary embedded payment processing platform that handles credit card transactions, card-on-file storage, recurring billing, text-to-pay, Apple Pay/Google Pay, multi-currency, surcharge and convenience-fee options, and in-person POS for ISVs, SaaS providers, healthcare practices, and retailers.
• Embedded Payments Solutions White-label and OEM payment facilitation services embedded directly into ISV and SaaS platforms, enabling software partners to offer payment processing capabilities under their own brand with revenue share back to EasyPay.

Quantifiable outcome

• Pioneered integration of insurance eligibility and payments in collaboration with Visa USA
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature7 records

Partnerships

Three partnerships are on record, tiered foundational and core.

• Visa USAfoundationalStrategic or Co-development Partner · 1 January 1996Founded in collaboration with Visa USA in 1996 by two Visa USA executives and an Inc. 500 CEO. EasyPay pioneered the integration of insurance eligibility and payments with Visa USA and was among the first to embed payments directly into enterprise practice management platforms. This founding partnership established EasyPay's position as an innovative payments provider.
• Key BankcoreOthersEasyPay is a registered Payment Facilitator of Key Bank, enabling the company to offer payment processing services under Key Bank's banking charter and regulatory oversight.
• Synovus BankcoreOthersEasyPay is a registered Independent Sales Organization (ISO) of Synovus Bank, providing additional banking relationships for payment processing infrastructure and regulatory compliance.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Spreedly: Spreedly operates a payments orchestration platform that lets ISVs and SaaS providers connect to multiple payment processors through a single integration. It competes with EasyPay in the orchestration and card-on-file layer for software platforms, with a more developer-first positioning and broader processor connectivity.
• North (formerly NorthAB): North provides embedded payments and merchant services to software platforms and ISVs, including PayFac-as-a-service and white-label payment experiences. It is an emerging competitor in the same embedded payments infrastructure category as EasyPay, with a more recent product orientation.
• PaySimple: PaySimple offers recurring billing, card-on-file, and integrated payment processing targeted at small businesses and software partners. It overlaps with EasyPay's recurring billing and card storage features and serves a comparable mid-market customer profile.

Broad incumbents

• Block (Square): Block's Square Embedded Payments product enables software platforms to integrate payment processing under their own brand, mirroring EasyPay's embedded/white-label model. Square offers a much broader commerce ecosystem (POS, banking, BNPL) and competes in the same ISV and SaaS segments from a position of substantially larger scale and resources.
• Stripe: Stripe is a leading global payments infrastructure company whose Stripe Connect offering provides embedded payment processing and PayFac-style capabilities for SaaS and platform partners. It directly competes with EasyPay in the ISV/SaaS embedded payments segment while also serving a much broader merchant base with significantly greater capital and product breadth.
• Adyen: Adyen is a global payment processor offering unified commerce, embedded payments for platforms, and multi-currency processing that overlaps with EasyPay's international payments capabilities. It competes in the enterprise end of the embedded payments market at significantly greater global scale.

Direct peers

• Finix: Finix is a payments infrastructure company purpose-built for software platforms, enabling ISVs and SaaS providers to embed payment flows, monetize transactions, and operate as PayFacs. It is one of the closest direct competitors to EasyPay's core ISV-embedding GTM, differentiated by venture-backed scale and a more modern API-first stack.
• Stax Payments: Stax (formerly Fattmerchant) is a payment technology provider offering subscription-based payment processing, embedded payments for SaaS partners, and PayFac-style infrastructure. It overlaps directly with EasyPay's ISV-embedded payments and recurring billing capabilities, with comparable mid-market positioning but a more modern technology orientation.
• WePay (JPMorgan Chase): WePay, now part of JPMorgan Chase, provides embedded payment processing specifically for software platforms, enabling SaaS companies to offer integrated payments. It is a direct functional peer to EasyPay's Aspen system, serving the same ISV ecosystem but with the backing of a top-tier bank sponsor and significantly larger distribution.
• Payrix (FIS): Payrix, acquired by FIS, provides embedded payment facilitation and merchant management specifically for software platforms and ISVs. It is a direct functional competitor to EasyPay's PayFac-for-ISV offering, now scaled by FIS's enterprise software distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/easypaysolutions

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 EasyPay Solutions