What Pace Software does

Pace Software, LLC, operating under the trade name Pace (with sub-brand PaceGateway), is a US-domiciled private payments technology company headquartered in Omaha, Nebraska. The company operates a two-product platform: the Titan Payment Gateway, a cloud-based, microservices-architecture payment gateway processing payments across major networks (Visa, MasterCard, American Express, Discover, TSYS, Fiserv, Shazam) and standards (EMVCo, PCI, Nexo); and the Mobile Phone Terminal (MPoC), which enables card-present transaction rates from consumer mobile devices under the emerging MPoC standard. The platform is built on a microservices architecture with multiple redundancies and disaster recovery, load tested at 15,000 transactions per second, and offers full REST API functionality with point-to-point encryption, network tokenization, and an ASYNC Fraud Evaluation Engine.

Pace Software generates revenue through a pure transaction-fee model. Titan Gateway pricing is publicly disclosed in two forms in the source data — the homepage cites "$0.5 per transaction" while the product page cites "$0.03 per transaction with no monthly fees" — both positioned at half the cost of competition. MPoC is positioned as delivering 80 basis points of savings per transaction (e.g., 2.4% down to 1.6%) and a claimed 99% reduction in chargebacks relative to traditional card-not-present transactions. Certifications include PCI Level 1, Software Security Framework, EMV with multiple processors, and MPoC Certification Ready.

The go-to-market motion is API-first and direct, centered on the company website (pacesoft.net) with a multi-step onboarding capture flow, supplemented by a developer portal (developer.pacesoft.net) that supports SDK and API integration into merchant mobile applications. The company targets merchants, e-commerce businesses, mobile-commerce operators, and developer/ISV integrators requiring scalable, low-cost payment infrastructure. The company is privately held with no disclosed funding rounds, no institutional investors, no headcount data, no management team details, and no named customers or segment revenue split in the provided source material.

Name

Pace Software

Legal name

Pace Software, LLC

Website

https://pacesoft.net

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Pace Software (PaceGateway) is a US-based private payments technology company offering the Titan Payment Gateway (cloud-based, microservices payment processing) and MPoC (mobile card-present acceptance), serving merchants, e-commerce businesses, mobile-commerce operators, and developer integrators via an API-first motion.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Payment Orchestration Platforms (FSAGABAA)

Keywords

• Payment gateway
• Mobile point of interaction
• Card present transactions
• Payment processing API
• PCI compliant payments

Headquarters

HQ city

Omaha

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Operations

Revenue model

1. Transaction Processing - Titan Gateway: Per-transaction fee model for payment processing through the Titan Payment Gateway. No monthly or other recurring fees. At $0.5 per transaction (originally stated as $0.03 per transaction on the Titan page), it is positioned at half the cost of competitors.
2. MPoC Transaction Processing: Transaction-based revenue from MPoC (Mobile Phone Terminal) processing, enabling card-present rates from mobile devices which saves 80bps per transaction compared to card-not-present rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Pace Software (PaceGateway) provides a cloud-based payments platform built on microservices architecture, comprising two products: the Titan Payment Gateway, a hyper-scalable payment gateway charging $0.5 per transaction with no monthly fees and offering full REST API access, and the Mobile Phone Terminal (MPoC), which enables merchants to accept card-present payments from consumer mobile devices using the MPoC standard. The platform is certified for PCI Level 1, EMV with multiple processors, and MPoC, and supports major card networks and processors including Visa, MasterCard, American Express, Discover, TSYS, Fiserv, Nexo, Shazam, and EMVCo.

Product overview

Pace Software (operating as PaceGateway) offers a unified payments platform consisting of two core products: the Titan Payment Gateway, a cloud-based, microservices payments gateway for processing transactions at $0.03 per transaction with no monthly fees, and the Mobile Phone Terminal (MPoC), which enables merchants to accept card-present payments using consumer mobile devices. Both products share the same ultra-scalable infrastructure rated at 15,000 transactions per second and support EMV certification, PCI compliance, and point-to-point encryption. The platform provides full REST API functionality for integration and includes features such as network tokenization, fraud evaluation, and virtual terminal capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Titan Payment Gateway: Cloud-based, hyper scalable modern payments gateway offering transaction processing at competitive rates ($0.03 per transaction with no monthly fees).
• MPoC (Mobile Phone Terminal)

Products and services

• Titan Payment Gateway Cloud-based, hyper-scalable payments gateway charging $0.5 per transaction with no monthly fees; built on microservices architecture load-tested at 15,000 TPS and offering full REST API functionality, point-to-point encryption, an Ultra-Fast Virtual Terminal, hierarchy with ISO visibility, agent portal, debt repayment indicator, purchase card Level 2 and Level 3, and soft descriptor.
• Mobile Phone Terminal (MPoC) Mobile phone-based payment terminal solution that allows merchants to accept card-present transaction rates from consumer mobile devices under the new MPoC standard, saving 80 basis points per transaction and reducing chargebacks by 99%, with EMV certification across multiple processors, PCI Level 1 and Software Security Framework certification, local kernels for Android, semi-integration across multiple POS systems, multi-merchant terminal management, network tokenization, monitoring and attestations engine, point-to-point encryption, and card sensory branding.

Quantifiable outcome

• Save 80bps per transaction (e.g., 2.4% to 1.6% rate reduction) using MPoC standard
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature5 records

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Stripe: Stripe is a leading cloud-based payment gateway and orchestration platform serving developers, e-commerce, and SaaS companies via APIs and SDKs. Like Pace's Titan Gateway, Stripe offers REST APIs, transparent per-transaction pricing, and broad network/processor integrations, making it the most direct benchmark for Pace's core product.
• Square (Block): Square provides merchant payment processing, mobile POS, and software-driven commerce tools, and is a direct comparable for Pace's MPoC mobile acceptance proposition. Both target SMBs and mobile-first merchants with cost-conscious card-present rate economics and developer-friendly integrations.
• Authorize.Net: Authorize.Net is an established payment gateway serving SMBs and ISVs with virtual terminals, APIs, and multi-processor support. It directly overlaps Pace's Titan Gateway feature set including REST APIs, point-to-point encryption, and PCI compliance, competing for the same SMB and developer-led integrations.
• Braintree: Braintree (a PayPal company) is a developer-first payment gateway offering REST APIs, multi-currency processing, and fraud tools for mobile and web merchants. Like Pace, it targets app developers and ISVs integrating payments into their platforms, with comparable card-present/card-not-present optimization goals.
• SumUp: SumUp (including former iZettle) provides mobile POS hardware and software for SMBs, with strong adoption in Europe and a growing US presence. It is a direct peer for Pace's MPoC capability of turning consumer mobile devices into payment acceptance points.

Broad incumbents

• Adyen: Adyen is a global, enterprise-grade payments platform offering gateway, processing, and orchestration across networks and processors. It competes with Pace at the high-volume end where Adyen's scale and certifications overlap with Titan's multi-network architecture and EMV certifications.
• PayPal: PayPal operates one of the largest global payment processing and gateway platforms, spanning consumer wallets, merchant acquiring, and developer APIs. It is a broad incumbent competing with both Titan and MPoC across SMB and enterprise merchants, with deep brand and distribution advantages.

Emerging players

• Helcim: Helcim is a payments processor and gateway offering transparent interchange-plus pricing to SMBs with an API-first and virtual terminal approach. It is comparable to Pace's Titan on cost transparency and SMB targeting, positioning itself as a lower-cost alternative to incumbents.
• Finix: Finix is a payments infrastructure provider enabling software platforms to embed payments processing with full ownership of the merchant relationship. It overlaps with Pace's MPoC/Titan positioning for ISVs and SaaS companies seeking developer-led payment integration.
• Modern Treasury: Modern Treasury provides payment operations infrastructure and APIs for ACH, wires, and card flows targeting fintechs and platforms. While more focused on money movement than card-present acceptance, it is comparable to Pace on API-first developer tooling for payments integration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pacesoftware

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 Pace Software