PCI Payment Solutions

What PCI Payment Solutions does

PCI Payment Solutions is a privately-held payment processing company founded in 2004 by Brian Morabito and headquartered in McLean, Virginia. The company serves small and medium-sized businesses in Northern Virginia and the greater Washington, D.C. metropolitan area, providing credit card and ACH payment processing across in-person, mobile, and online channels. Verticals served include healthcare, law firms, retail, and non-profits, with no long-term contracts as an explicit selling point against larger competitors.

The company's product portfolio spans mobile contactless payments, in-person swiped transactions on PCI-validated point-to-point encryption (P2PE) devices, keyed and online card-not-present payments, and ecommerce integrations. The underlying technology stack is built around the Paya Connect payment gateway and Authorize.net integration, with a developer API exposed to software partners. The company operates three go-to-market channels: direct sales to local merchants, an ISV partner program that embeds processing into third-party vertical software, and a developer API for software integrations.

Revenue is generated through an interchange-plus pricing model (approximately 20 basis points of markup) with a monthly subscription alternative, plus revenue share from ISV-embedded transactions. The business remains bootstrapped and privately-held, with no disclosed funding rounds or headcount. The combination of multiple product lines, a partner channel, and a self-service API suggests an attempt to extend beyond the local DMV-area footprint, though no scale indicators are visible.

Name

PCI Payment Solutions

Legal name

PCI Payment Solutions

Website

https://pcipayment.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

PCI Payment Solutions is a McLean, Virginia-based payment processor founded in 2004 that provides credit card and ACH processing to small and medium-sized businesses across the Washington, D.C. metro area via direct sales, an ISV partner program, and a developer API.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payment Processing & Acquiring Infrastructure (FSAGABAC)

Keywords

• Payment processing
• Credit card processing
• Merchant services
• ACH payments
• Payment gateway

Headquarters

HQ city

Mc Lean

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interchange Plus Pricing: Transaction-based fee structure where the company charges Interchange plus .20 basis points of profit on each payment transaction processed.
2. Monthly Subscription Model: Alternative pricing model with monthly subscription fee plus 0 basis points markup, charging only Interchange rates. Customers can choose between interchange plus basis points or subscription model.
3. Payment Gateway Services: Gateway fees for processing credit card and ACH payments through Paya Connect platform, including virtual terminal and ecommerce shopping cart integration services.
4. Software Partner Revenue Share: Partners can generate additional revenue streams from payment processing solutions. ISVs integrate payment processing and share in transaction revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

PCI Payment Solutions provides credit card and ACH payment processing services to small and mid-sized businesses through multiple channels: mobile contactless, in-person swiped, keyed/online, and ecommerce integrations. The company operates the Paya Connect payment gateway platform and offers a Developer API for software integration, with PCI-validated P2PE devices, fraud prevention, recurring billing, and virtual terminal capabilities.

Product overview

PCI Payment Solutions offers a unified payment processing platform serving multiple payment channels: mobile contactless, swiped/card-present, keyed/online transactions, and ecommerce. The core product portfolio includes Paya Connect as the central gateway platform, complemented by Virtual Terminal for manual transaction entry, mobile payment processing for contactless acceptance, P2PE-secured card readers for swiped payments, and specialized ecommerce shopping cart integrations including Authorize.net and donation gateways. The company also provides a Developer API enabling software partners to integrate payment capabilities into their own applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Mobile Payment Processing Contactless mobile payment solution enabling businesses to accept payments without swiping or inserting cards. Used by dental offices, law firms, and field service businesses for in-office and in-the-field payment acceptance.
• Swiped Payments In-person card-present payment processing with the largest selection of PCI-validated Point-to-Point Encryption (P2PE) devices. Supports Apple Pay and includes a free terminal with no-contract month-to-month pricing.
• Keyed Payments Gateway-based processing for credit card and ACH payments over the internet with extensive fraud and risk prevention features. Includes 24-hour access to processing and reporting, automated recurring billing, custom email invoices, and pay-by-text and click-to-pay options.
• Ecommerce Shopping Cart Integration Online payment processing integration through Paya Connect, Virtual Terminal, Authorize.net, and donation gateways. Supports multiple shopping cart platforms for ecommerce merchants.
• Paya Connect Developer Platform Developer platform providing API integration to payment processing capabilities. Enables software developers to embed credit card and ACH payment functionality into their own applications across various industries.
• ISV Partner Program Integrated credit card processing add-on module offered to Independent Software Vendors (ISVs). Provides one-stop shopping for merchant activation, gateway activation, software support, and billing, with revenue share opportunities for partners.

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Paya ConnectcoreTechnology or IntegrationPrimary payment gateway platform used by PCI Payment Solutions for processing credit card and ACH transactions. Provides secure, reliable, cost-effective transaction authorization and management over the internet. Offers seamless integration for developers and supports ecommerce shopping cart integration.
• Sage Payments (Developer Portal)coreTechnology or IntegrationDeveloper Portal (developer.sagepayments.com) provides API documentation and integration resources for developers building payment integrations with PCI Payment Solutions.
• Independent Software Vendors (ISVs)coreChannel Partner/ Reseller/ DistributorPartner-centric organization focused on ISVs who integrate payment processing into their vertical-specific software packages. Benefits include: integrated credit card processing add-on module, one-stop shopping for merchant activation and billing, additional revenue stream generation, PCI compliance, customer savings on processing, and comprehensive marketing support. PCI Payment works with partners to understand their market, clients, and business strategy.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Payment Depot: Payment Depot provides wholesale-style interchange-plus pricing for SMBs with no contracts and a free terminal option. Direct competitor on price, contract terms, and merchant experience versus PCI Payment Solutions.
• Square (Block): Square provides SMB-focused payment processing with card readers, mobile/contactless acceptance, and integrated software (POS, invoices, ecommerce). Directly competes with PCI Payment Solutions for the same small and mid-sized merchant segments in-person and online.
• Stripe: Stripe offers API-first payment processing for online and in-person commerce, plus developer tools and platform integrations. Comparable to PCI Payment Solutions' Paya Connect gateway / developer API offering, particularly for software-embedded and ecommerce merchants.
• PayPal (Braintree / PayPal Zettle): PayPal provides SMB payment processing across online and in-person channels (Braintree for gateways, Zettle for hardware). Closely comparable to PCI Payment Solutions' full stack: card-present, ecommerce, gateway, and developer integration.
• Helcim: Helcim is a payment processor targeting SMBs with transparent interchange-plus pricing, no contracts, and a software platform for invoicing and recurring billing. Nearly identical value proposition to PCI Payment Solutions' transparent pricing and no-contract model.
• Stax (formerly Fattmerchant): Stax offers subscription-based payment processing with interchange-plus pricing for SMBs, including ecommerce, mobile, and integrated software. Highly comparable pricing model and target customer to PCI Payment Solutions' subscription option.
• Dharma Merchant Services: Dharma Merchant Services focuses on ISV/software-integrated payment processing with revenue sharing to partners. Closely comparable to PCI Payment Solutions' partner-centric ISV model and vertical-specific software embedded payments.

Broad incumbents

• Clover (FIS): Clover, owned by FIS, provides POS hardware and software with integrated payment processing for SMBs across retail, restaurants, and service businesses. Competes in the same verticals PCI Payment Solutions targets (healthcare, retail, restaurants) but is a much larger incumbent platform.
• Global Payments: Global Payments is a large payment processor and technology provider offering merchant acquiring, gateway, and software-integrated solutions across SMB and enterprise segments. Comparable to PCI Payment Solutions on the acquiring/gateway layer but at vastly larger scale.
• Chase Payment Solutions: Chase Payment Solutions offers merchant acquiring and integrated processing for SMBs, often through partner banks and software integrations. Competes with PCI Payment Solutions in the SMB acquiring space with the backing of a major bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pci-payment-solutions

Compliance2 records

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 PCI Payment Solutions