NETbilling
- Company typePrivate
- Founded1998
- HeadquartersValencia, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What NETbilling does
NETbilling, founded in 1998 by Mitch Farber and headquartered in Valencia, California, is a privately held payment processing and merchant services provider operating under NETbilling, Inc. The company delivers a vertically integrated stack comprising a proprietary PCI-certified payment gateway, global merchant account acquisition through partnerships with dozens of banks, a Fraud Defense Suite of configurable risk filters, and a 24/7/365 US-based in-house call center. Its platform supports credit/debit cards, ACH/e-checks, Apple Pay, Google Pay, mobile processing via the PhoneSwipe app and free hardware, retail POS terminals, hosted customizable payment forms, and subscription/recurring billing management compliant with Visa and Mastercard negative-option rules.
The company's customer base spans e-commerce merchants, retail/POS businesses, and explicitly includes high-risk verticals (adult entertainment, subscription services, digital content) that are frequently rejected by mainstream acquirers. Notable customers include MindGeek Canada, Fallnet Solutions (50+ e-commerce sites), Domamis, 27 Forms, Deniro Marketing, CM Productions, and OC Cash. NETbilling sells through direct phone sales, online self-service signup, bank partner referral channels, and technology integrations with shopping carts (WooCommerce, Magento, WHMCS, MPA3, NATs) and content platforms (Elevated X).
NETbilling's revenue model combines per-transaction processing fees, monthly gateway fees, merchant account bank-discount fees, usage-based fees for value-added services (Card Expiration Updater: $1.50-$1.95 per successful update), and call center professional services. The company claims 9,000 new merchant accounts per year, 740,000 customer calls annually, 970,000 fraudulent charges prevented per year, and a processing capacity of 10,000 payments per hour. Differentiated features include a Card Expiration Updater recovering 30%+ of otherwise declined recurring transactions, prepaid card identification via BIN detection, a zero-fee/cash discount program launched in 2025, and ACH check processing claimed to drive a 15% average revenue increase for clients.
NETbilling firmographics
Firmographics- Name
- NETbilling
- Legal name
- NETbilling, Inc.
- Website
- https://netbilling.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
NETbilling industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Payment Gateways & Orchestration (BPAMAFAA), Card Clearing & Settlement (Interchange, Network Settlement) (FSABAJAJ)
Keywords
Where NETbilling is headquartered
LocationHeadquarters
- HQ city
- Valencia
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
NETbilling business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction Processing Fees: Fees charged per transaction processed through merchant accounts. Includes setup/sign-up fees, transaction fees, and monthly gateway fees. Additional late fees apply for delinquent payments.
- Payment Gateway Services: Monthly gateway fees for access to the NETbilling payment gateway, reporting tools, and admin panel access.
- Merchant Account Services: Fees associated with merchant account setup and maintenance, including bank discount fees charged by acquiring banks.
- ACH/Check Processing: Fees for online check processing services, which drive an average 15% revenue increase for clients.
- Call Center Services: 24/7/365 call center services for customer support, handling charge inquiries, order placement, and telemarketing campaigns.
- Card Expiration Updater: Automated service to update expired card dates. Fee of $1.95 per successful update (under 1000/month) or $1.50 per update (over 1000/month). Only charged for successful updates.
- Fraud Defense Tools: Advanced fraud scrubbing and chargeback prevention tools available for additional fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Custom enterprise pricing |
| Usage-based | Monthly | Card Expiration Updater service |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
NETbilling product offering
Product offeringCore offering
NETbilling provides a PCI-certified payment gateway and merchant account services to e-commerce, retail, mobile, and high-risk businesses. Its core platform processes credit/debit cards, ACH/e-checks, Apple Pay, and Google Pay transactions, integrates with hundreds of shopping carts, and bundles fraud defense, recurring billing, and 24/7/365 US-based call center services.
Product overview
NETbilling is a comprehensive merchant services provider offering a unified platform combining transaction processing, merchant accounts, payment gateway, and call center services. The core architecture centers on the PCI-certified Payment Gateway as the primary platform, complemented by partnered merchant accounts for global acquisition, Fraud Defense tools with advanced anomaly detection for fraud prevention, and integrated call center services. The product portfolio includes retail POS terminals with EMV support, mobile PhoneSwipe processing, ACH check processing, hosted payment forms with HTML customization, card expiration updating, prepaid card identification, and customer retention tools. All services are accessible through a single NETbilling account with an integrated admin panel providing real-time reporting, ROI tracking, and comprehensive transaction management across e-commerce, mobile, and card-present channels.
Differentiator
Problem solved
Functional benefit
Brands
- PhoneSwipe: Mobile transaction processing solution allowing merchants to take payments on the go with free hardware and app, collect customer data, email receipts, and market their business.
Products and services
- Payment Gateway Core PCI-certified payment gateway software providing e-commerce merchants complete control and flexibility with profit-making features. Compatible with hundreds of shopping carts, provides world-class risk management, real-time comprehensive reporting, and ROI tracking.
- Merchant Accounts Global merchant account acquisition services partnered with dozens of banks worldwide to provide merchant account and transaction processing options for any business type including high-risk, e-commerce, mobile, and card-present businesses.
- Online E-commerce Processing Online payment processing solutions for e-commerce merchants, including credit/debit cards, ACH/e-checks, Apple Pay, Google Pay, and support for high-risk business types.
- Retail Processing / Point-of-Sale In-store payment processing solutions including EMV-ready terminals, free terminal offerings, cash discount programs for merchants wanting to eliminate transaction processing costs, and split-check capabilities for restaurants.
- PhoneSwipe Mobile Transaction Processing Mobile card reader and app for processing transactions on the road. Free hardware and app included with ability to collect customer data, email receipts, and market business. Allows merchants to take their business on the road and never miss a sale.
- Call Center Services Full-service in-house US-based call center operating 24/7/365. Handles charge inquiries, member access assistance, order placement, and inbound/outbound telemarketing campaign deployment. Provides customer service for merchants and their customers to reduce disputes and chargebacks.
- Fraud Defense Tools Advanced fraud prevention and scrubbing tools customized for merchant needs. Includes variable fraud scrubbing, blacklist filtering, high-risk country blocking, prepaid card identification, and BIN verification. Configurable filters comparing credit card numbers, email addresses, street addresses, IP addresses, and bank BIN numbers against compiled historical data.
- Card Expiration Updater Automated feature that updates expired card expiration dates based on BIN number, card issuer information, and proprietary historical data. Prevents CARD EXPIRED declines for initial sales, signups, and rebills with over 30% recovery rate from previously declinable cards.
- Hosted Payment Forms PCI-compliant hosted payment forms served from NETbilling secure servers. Includes mobile-optimized form templates, HTML template editor for full customization, and validation for name, address, and email fields.
Quantifiable outcome
- 99% of customer chargebacks and transaction fraud prevented using Fraud Defense tools and in-house call center services
- +4 more outcomes
Companies that use NETbilling
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
NETbilling technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability2 records
Feature8 records
NETbilling partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- WooCommerce (SkyVerge)coreNETbilling offers a free WooCommerce WordPress plugin that provides direct on-site checkout, secure customer payment information storage, support for subscriptions and pre-orders, and full credit card/eCheck processing integration.
- Elevated XcoreFull integration with Elevated X CMS software for VOD (video-on-demand) platforms. Enables clip store owners and digital content sellers to process payments for streaming video rentals, pay per view, and pay per download transactions.
- Worldwide Banking PartnerscoreNETbilling has partnered with dozens of banks worldwide to provide an array of merchant account and transaction processing options for any business types at competitive rates.
- Shopping Cart PlatformscoreGateway is compatible with hundreds of shopping carts including WooCommerce, Magento, WooThemes, WHMCS, MPA3, NATs, and other platforms. Complete integrations available for major e-commerce platforms.
Scale indicators7 records
Recent moves6 records
Expansion highlights7 records
NETbilling competitors and assessment
Company assessmentBroad incumbents
- Adyen: Adyen is a global payment platform serving enterprise and high-growth merchants with unified online, mobile, and in-store processing. While focused on larger merchants, its platform approach represents the modern competitive direction NETbilling must navigate.
- Stripe: Stripe is the dominant modern online payment platform serving startups, marketplaces, and enterprises with developer-first APIs and global coverage. While not focused on high-risk, Stripe's continual expansion into subscription and SMB markets increasingly overlaps NETbilling's addressable base.
- Square (Block): Square (now Block) provides integrated POS, payment processing, and software solutions for small and mid-sized merchants across retail and online channels. It overlaps NETbilling's retail processing and SMB e-commerce offerings as a broader incumbent.
- PayPal: PayPal operates a broad payments platform including gateway, processing, and digital wallet services for consumers and merchants. It competes with NETbilling for mainstream online merchants and provides an alternative payment method accepted alongside NETbilling's processing.
Direct peers
- Shift4 Payments: Shift4 provides end-to-end payment processing for retail, hospitality, and e-commerce, including gateway, POS, and high-risk merchant capabilities. It overlaps with NETbilling's retail processing, gateway, and high-risk merchant account offerings.
- Authorize.Net: Authorize.Net is a long-standing payment gateway for SMB and mid-market e-commerce merchants, offering tokenization, fraud detection, and shopping-cart integrations. It competes directly with NETbilling in mainstream and moderately high-risk online merchant segments.
- 2Checkout (Verifone): 2Checkout, now part of Verifone, provides online payment processing for digital goods, SaaS, and subscription merchants globally. It is a direct competitor in digital-content, subscription, and recurring-billing verticals similar to NETbilling's core.
- Braintree (PayPal): Braintree is a PayPal-owned payment gateway targeted at online and mobile merchants with subscription and marketplace support. It competes directly with NETbilling for online e-commerce merchants requiring gateway and recurring billing capabilities.
- CCBill: CCBill is a payment processor specializing in high-risk and adult-entertainment merchants, with subscription billing and fraud tools. It is the closest direct competitor to NETbilling in the online high-risk/subscription vertical, serving many of the same merchants and offering similar gateway-plus-biller functionality.
Emerging players
- PaySimple: PaySimple provides integrated payment processing and billing automation for SMBs including ACH, card, and recurring billing. It is comparable as a smaller, integrated payment-and-billing platform targeting similar SMB and subscription merchant segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
NETbilling social profiles
Digital presenceNETbilling compliance and trust
Trust signalCompliance3 records
NETbilling financial estimates
Financial estimateRevenue estimate
Valuation estimate
NETbilling leadership team
Management profileNumber of profiles
Profiles3 records
NETbilling funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NETbilling 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 NETbilling
What does NETbilling do?
NETbilling provides a PCI-certified payment gateway and merchant account services to e-commerce, retail, mobile, and high-risk businesses. Its core platform processes credit/debit cards, ACH/e-checks, Apple Pay, and Google Pay transactions, integrates with hundreds of shopping carts, and bundles fraud defense, recurring billing, and 24/7/365 US-based call center services.
Is NETbilling a public or private company?
NETbilling is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was NETbilling founded?
NETbilling was founded in 1998. It employs 11 to 50 people.
Where is NETbilling based?
NETbilling is headquartered in Valencia, United States, in the North America region.
How does NETbilling make money?
Seven revenue lines are on record. Transaction Processing Fees are the primary driver. The others are payment Gateway Services, merchant Account Services, ACH/Check Processing, call Center Services, card Expiration Updater and fraud Defense Tools.
Who are NETbilling's main competitors?
Broad incumbents on record are Adyen, Stripe, Square (Block) and PayPal. Direct peers are Shift4 Payments, Authorize.Net, 2Checkout (Verifone), Braintree (PayPal) and CCBill. PaySimple is listed as an emerging player.
Does NETbilling have an API?
Yes. NETbilling payment gateway offers multiple API integration modes: Direct Mode v2 (ND2.TRANS) for signup and one-time purchases, Direct Mode v3 (ND3.TRANS for one-time purchases, ND3.SIGNUP for membership signup), Hosted Payment Forms (N2.SIGNUP for membership signup, N2.PURCHASE for one-time purchases), Virtual Terminal (V-TERM) for manual processing, Batch Upload (BA.TRANS), and automatic recurring rebilling (RECURRING). Supports real-time transaction processing, fraud scrubbing, card expiration updating, cascade processing to secondary merchant accounts, and comprehensive reporting via Data Retrieval Interface. Developer documentation is at secure.netbilling.com/public/docs/merchant/public/nativespecs/template_editor.html.
What industry is NETbilling in?
NETbilling's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of BPAMAFAA, Payment Gateways & Orchestration. Its NAICS code is 52232 and its SIC code is 6159.