Revolution Payments
- Company typePrivate
- Founded2004
- HeadquartersHagerstown, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Revolution Payments firmographics
Firmographics- Name
- Revolution Payments
- Legal name
- Revolution Payment Systems
- Website
- https://revolution-payments.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Revolution Payments industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- BNPL Card / Virtual Card Programs (FSAKACAC), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where Revolution Payments is headquartered
LocationHeadquarters
- HQ city
- Hagerstown
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Revolution Payments business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Credit Card Processing Transaction Fees: Revenue generated from transaction fees on credit card processing. Fees are calculated as interchange rates (set by Visa/Mastercard) plus processor markup. Interchange fees make up 75-90% of credit card processing fees. The company specializes in optimizing interchange qualification to lower costs for clients.
- Merchant Cash Advance: Alternative funding provided to businesses based on average monthly credit card processing volume. Repayment is made through daily withholdings from credit card processing settlements.
- Software Integration Revenue Share: Partnership program where Independent Software Vendors (ISVs) earn revenue share from transactions processed through their software's payment gateway integration. Interactive revenue split determination based on performance.
- Consumer Financing MDR: Merchant Discount Rate (MDR) charged per funded loan for consumer financing facilitated through U.S. Bank Avvance. Displayed on regular monthly statement. MDR is refunded on returned transactions.
- Registered ISO/MSP Relationships: Company operates as registered ISO/MSP for Citizens Bank and Elavon, generating revenue through merchant account relationships established through direct sales and agent channels.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | talech Mobile - No monthly software fees |
| Subscription | Monthly | talech Starter - Simple POS solution |
| Subscription | Monthly | talech Standard - Full-featured POS |
| Subscription | Monthly | talech Premium - Premium POS with appointments |
| Subscription | Monthly | talech Register for Retail - Hardware bundle |
| Transaction based/ take rate | Monthly | Credit card processing rates |
| Transaction based/ take rate | Monthly | Consumer Financing MDR |
| Other | Pay-as-you-go | Merchant Cash Advance |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Revolution Payments product offering
Product offeringCore offering
Revolution Payments provides B2B and B2G credit card processing services centered on Level 3 data capture to qualify commercial card transactions for lower interchange rates. The company operates as a registered ISO of Citizens Bank, N.A. and registered ISO/MSP of Elavon, serving merchants with merchant accounts, interchange optimization, fleet card acceptance, AP virtual card automation, consumer financing, and merchant cash advance.
Product overview
Revolution Payments is a veteran-owned Level 3 credit card processing company specializing in B2B and B2G payment optimization. The core product is Level 3 Credit Card Processing, which captures enhanced line-item data to qualify transactions for lower interchange rates. This core offering is supported by industry-specific processing solutions for grocery stores, fuel oil/propane dealers, gas stations (pay-at-the-pump), truck and auto dealers, utilities, and trade associations. Additional services include AP Payments Automation with Virtual Cards for accounts payable efficiency, Consumer Financing powered by U.S. Bank Avvance for customer point-of-sale financing, Fleet Card Processing for WEX and Voyager networks, Merchant Cash Advance for working capital, Software Integrations/Revenue Share for ISV partners, Talech Point of Sale (partner product), B2B ISO Agent Program for sales partners, Check Guarantee Services, and a consulting service for PE firms to unlock EBITDA from payment inefficiencies. The company also offers a Credit Card Surcharge Program for compliant fee offset. Level 3 processing serves as the foundation enabling all B2B-specific solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Level 3 Credit Card Processing Specialized credit card processing for commercial B2B and B2G transactions that captures enhanced line-item data including product description, quantity, PO number, unit-of-measure, and sales tax to qualify for lower interchange rates, reducing processing costs by up to 1.5%.
- B2B Credit Card Processing Merchant account services for business-to-business commercial transactions supporting corporate cards, purchase cards, fleet cards, and GSA SmartPay cards with Level 2 and Level 3 interchange optimization.
- Grocery Store Processing Specialized payment processing for grocery retailers with optimized grocery interchange rates, POS compatibility, support for debit, EBT, checks, and electronic gift cards, plus ATM processing.
- Fuel Oil and Propane Payment Processing Payment processing for fuel oil and propane dealers with optimized interchange rates, MCC code classification, hosted payment portal, online bill pay, ACH conversion, and recurring billing services.
- Large Ticket Credit Card Processing Specialized processing for high-value B2B and B2G transactions requiring Level 3 data capture to qualify for large ticket interchange rates, optimizing margins on substantial transactions.
- Pay at the Pump Credit Card Processing EMV-compliant payment processing for independent gas stations and convenience stores with support for dial-up, TCP/IP, and various controller platforms; fleet card acceptance included.
- Truck and Auto Dealers Card Processing Payment processing for truck dealers and heavy-duty parts/repair companies with Level 2 and Level 3 data support, fleet card processing, next day funding, and interchange optimization reducing costs by up to 40%.
- Trade Associations and Buying Groups Processing Specialized payment processing services for trade associations and buying groups in the B2B space to process aggregated member payments.
- Utility Payment Processing Payment processing for utility companies (water, waste, power, natural gas) with the lowest utility interchange rates, next day funds, e-invoicing, auto-recurring transactions, ACH/eChecks, IVR, and text-to-pay.
- AP Payments Automation with Virtual Cards Accounts payable automation solution using single-use virtual credit cards for vendor payments, offering fraud protection, cash-back rebates up to 1.5%, streamlined reconciliation, and faster payment settlement.
- Consumer Financing Point-of-sale consumer financing powered by U.S. Bank Avvance for purchases from $300 to $25,000 with terms up to 60 months; merchants receive full payment within 48 hours with zero collection risk.
- Fleet Card Processing for WEX and Voyager Fleet card acceptance services for WEX and Voyager networks at gas stations, truck stops, repair shops, and parts suppliers; handles enrollment, POS configuration, and Level III data capture.
- Merchant Cash Advance Alternative funding program allowing businesses to convert future credit card receivables into working capital with simple application, high approval rates, and daily repayment through processing settlements.
- Software Integrations Revenue Share Program Revenue-sharing program for ISV partners integrating payment processing into their software; offers interactive revenue split determination, flexible merchant pricing, and collaborative business reviews.
- Talech Point of Sale Cloud-based POS solution with retail features including inventory management, online ordering, employee management, appointment scheduling, and automated discounts; plans starting at $29 per month.
- B2B ISO Agent Program Sales partner program for independent sales professionals offering B2B payment processing with transparent residual splits, lifetime residuals, back-end support, and sales enablement tools.
- Check Guarantee Services Check acceptance service guaranteeing approved checks against insufficient funds, closed accounts, or stop payments; includes electronic deposit, mobile check capture, and check-on-delivery options.
- Unlock Hidden EBITDA from B2B Card Fees Consulting Consulting service for private equity firms identifying structural payment inefficiencies in portfolio companies to increase EBITDA and enterprise value through interchange optimization.
- Credit Card Surcharge Program Compliant credit card surcharge program allowing merchants to offset processing fees by adding up to 3% to credit card transactions; includes debit card suppression and monthly discount billing.
Quantifiable outcome
- Save up to 1.5% on B2B and B2G transactions
- +5 more outcomes
Companies that use Revolution Payments
Customer profileNamed customers12 records
Segments9 records
Ideal customer profiles6 records
Revolution Payments technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration23 records
Feature6 records
Revolution Payments partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, strategic and minor.
- ElavoncoreRevolution Payments is a Registered ISO/MSP of Elavon, GA and an Elavon Payments Partner. Consumer financing payouts are settled through existing Elavon MID. Elavon provides the underlying payment processing infrastructure.
- U.S. Bank AvvancecoreU.S. Bank Avvance powers the consumer financing solution. U.S. Bank handles all loan servicing, billing, and collections. The financing product is embedded directly in Converge Invoicing and Virtual Terminal.
- WEXcoreRevolution Payments manages WEX fleet card merchant enrollment, POS configuration, and ongoing processing. WEX is accepted at approximately 95% of U.S. fuel locations with over 45,000 service and maintenance locations.
- U.S. Bank VoyagercoreRevolution Payments handles Voyager merchant enrollment through U.S. Bank and configures Level III data capture. Voyager supports fuel purchases and maintenance at 230,000+ locations nationwide including 10,000+ independent truck stops.
- CDK GlobalstrategicSoftware integration partnership for dealer management system connectivity. CDK is one of the current integrations listed for payment processing connectivity.
- CloverstrategicClover POS integration for payment processing connectivity. Listed as one of the current software integrations.
- QuickBooksstrategicQuickBooks accounting software integration for payment processing connectivity and reconciliation.
- NetSuitestrategicOracle NetSuite ERP integration for payment processing and financial reconciliation.
- Microsoft DynamicsstrategicMicrosoft Dynamics integration including Business Central and Dynamics GP for payment processing connectivity and Level 3 data transmission.
- SalesforcestrategicSalesforce CRM integration for payment processing connectivity.
- ConvergestrategicConverge payment platform integration used for consumer financing product embedding. U.S. Bank Avvance financing is embedded in Converge Invoicing and Virtual Terminal.
- FreshysitesminorWebsite design and development partner responsible for Revolution Payments website design and development.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Revolution Payments competitors and assessment
Company assessmentDirect peers
- PaymentCloud: PaymentCloud is a merchant services ISO that specializes in high-risk and B2B payment processing with interchange optimization and multiple processor relationships. Directly comparable to Revolution Payments as a B2B-focused ISO selling merchant processing and interchange consulting.
- Helcim: Helcim is a payment processor that pioneered interchange-plus pricing transparency for SMB and B2B merchants. Comparable to Revolution Payments in its commitment to transparent pricing, interchange optimization education, and direct-to-merchant B2B positioning.
- BlueSnap: BlueSnap is a B2B payment platform offering Level 2/3 processing, virtual card issuing for AP, and global payment acceptance. Comparable to Revolution Payments in B2B commercial card focus and Level 3 optimization, though BlueSnap is a larger platform with proprietary technology.
- Stax by Fattmerchant: Stax is a subscription-based payment processor targeting B2B and high-volume merchants with interchange-plus pricing. Comparable to Revolution Payments in B2B focus and transparent pricing model, though Stax sells SaaS-style subscriptions while Revolution Payments operates as an ISO/reseller.
- National Processing: National Processing is a merchant services provider focused on B2B and commercial card processing with interchange optimization. Comparable to Revolution Payments in serving B2B merchants, emphasizing interchange education, and offering vertical-specific processing solutions.
- PayJunction: PayJunction is a payment processor specializing in B2B and level 3 processing with no long-term contracts and transparent pricing. Highly comparable to Revolution Payments given shared focus on Level 3 data capture, B2B commercial card optimization, and zero early termination fees.
- accept.blue: accept.blue is a payment facilitator (PayFac) focused on B2B and ISO agent programs with revenue share. Listed as a software integration partner on Revolution Payments' integrations page and directly comparable in business model as a payments partner for ISVs and B2B merchants.
- USA ePay: USA ePay is a payment gateway serving ISOs and ISVs with API-based integrations. Comparable to Revolution Payments as an integration partner for the same ISV ecosystem, though USA ePay operates at the gateway layer rather than as an ISO.
Broad incumbents
- Stripe: Stripe is a major payment platform with growing B2B and Level 3 processing capabilities. Broad incumbent comparable because it increasingly competes in B2B commercial card processing, though Stripe serves a much broader market including consumer e-commerce and operates its own proprietary infrastructure rather than reselling.
Emerging players
- Finix: Finix is a payments infrastructure provider enabling SaaS platforms and ISOs to embed payment processing. Emerging player comparable to Revolution Payments' ISV integration/revenue share program, though Finix operates at a more developer-focused infrastructure layer with significantly more capital.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Revolution Payments social profiles
Digital presenceRevolution Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Revolution Payments leadership team
Management profileNumber of profiles
Profiles1 record
Revolution Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Revolution Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Revolution Payments
What does Revolution Payments do?
Revolution Payments provides B2B and B2G credit card processing services centered on Level 3 data capture to qualify commercial card transactions for lower interchange rates. The company operates as a registered ISO of Citizens Bank, N.A. and registered ISO/MSP of Elavon, serving merchants with merchant accounts, interchange optimization, fleet card acceptance, AP virtual card automation, consumer financing, and merchant cash advance.
Is Revolution Payments a public or private company?
Revolution Payments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Revolution Payments founded?
Revolution Payments was founded in 2004. It employs 1 to 10 people.
Where is Revolution Payments based?
Revolution Payments is headquartered in Hagerstown, United States, in the North America region.
How does Revolution Payments make money?
Five revenue lines are on record. Credit Card Processing Transaction Fees are the primary driver. The others are merchant Cash Advance, software Integration Revenue Share, consumer Financing MDR and registered ISO/MSP Relationships.
Who are Revolution Payments's main competitors?
Direct peers on record are PaymentCloud, Helcim, BlueSnap, Stax by Fattmerchant, National Processing, PayJunction, accept.blue and USA ePay. Stripe is listed as a broad incumbent. Finix is listed as an emerging player.
Does Revolution Payments have an API?
No public API is recorded for Revolution Payments.
What industry is Revolution Payments in?
Revolution Payments's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAKACAC, BNPL Card / Virtual Card Programs. Its NAICS code is 52232 and its SIC code is 6199.