CorPay

What CorPay does

CorPay is a US-based payment processing company operating as an authorized SignaPay partner (a registered ISO/MSP of Chesapeake Bank, Commercial Bank of California, Esquire Bank, and Synovus Bank). Founded by Christian Coronel in 2004 with the entity established in 2006 and operating from its sole office at 600 E John Carpenter Fwy, Suite 340 in Irving, Texas. CorPay serves small and medium-sized merchants across retail, restaurant, hospitality, non-profit, government, medical, professional services, and home improvement verticals, with a stated emphasis on bilingual (English/Spanish) service in the Hispanic SMB segment.

The product portfolio centers on credit card processing with a signature PayLo Dual Pricing / Service Fee Program that displays cash and card prices side-by-side, legally vetted across all 50 states, allowing merchants to recover or eliminate traditional processing fees. Supporting products include a multi-platform cloud-based payment gateway (virtual terminal, hosted payment pages, recurring billing, encrypted swipe integration, dashboard reporting), the Quantic POS system for retail and restaurant operations (with table management, kitchen display, inventory, CRM, loyalty, and QuickBooks/DoorDash/Chowly integrations), and equipment resold from Dejavoo, PAX, Valor-PayTech, and SwipeSimple (countertop, wireless, and Bluetooth EMV/NFC terminals). The platform holds Level 1 PCI DSS certification and offers fraud monitoring, with processing for both traditional and high-risk merchant categories.

CorPay makes money primarily through transaction-based residual fees on card processing volume, supplemented by gateway subscription fees, hardware sales (terminals/POS systems), and PayLo service fee program revenue. The go-to-market is sales-led and partner-distributed: direct phone-based SMB outreach plus reliance on the SignaPay ISO partnership for banking sponsorship. Marketing combines content (educational blog), SEO, and social channels targeting SMB merchants. CorPay holds an A+ BBB accreditation and emphasizes US-based customer service. The firm is distinct from Corpay, Inc. (NYSE: CPAY), the public corporate-payments company formerly known as FLEETCOR Technologies.

Name

CorPay

Legal name

SignaPay, LTD

Website

https://corpayusa.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

CorPay is a US-based payment processing ISO (authorized SignaPay partner) serving small and medium-sized merchants across retail, restaurant, hospitality, government, medical, and non-profit verticals with credit card processing, PayLo dual pricing, Quantic POS, payment gateways, and EMV/NFC equipment from Irving, Texas.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Credit card processing
• Payment processing services
• Merchant services
• POS solutions
• Dual pricing technology

Headquarters

HQ city

Irving

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Card Processing Fees: Transaction-based fees charged to merchants for processing credit and debit card payments. Includes traditional processing, high-risk merchant processing, and dual pricing options.
2. Payment Gateway Services: Monthly subscription and/or transaction fees for gateway services including virtual terminal, hosted payment pages, recurring billing, and API access.
3. POS Equipment Sales: Sale of payment terminals, POS systems, card readers, and peripherals from branded partners including Dejavoo, PAX, Valor, and SwipeSimple.
4. PayLo Service Fee Program: Dual pricing model where merchants receive full cash price for transactions; service fee program enables businesses to reduce or eliminate traditional processing fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

CorPay provides credit and debit card payment processing services to small and medium-sized US merchants, operating as an authorized partner of SignaPay (a registered ISO of Chesapeake Bank, Commercial Bank of California, Esquire Bank, and Synovus Bank). Its core offering combines traditional transaction-based card processing with its proprietary PayLo Dual Pricing solution, plus an ecosystem of EMV/NFC payment terminals, the Quantic cloud-based POS platform, and online payment gateways for eCommerce, virtual terminal, recurring billing, and inventory management.

Product overview

CorPay is a US-based payment processing company (authorized SignaPay partner) serving small and medium-sized businesses across industries including retail, restaurant, hospitality, non-profit, government, medical, professional services, and home improvement. The product portfolio centers on credit card processing with PayLo Dual Pricing as a key differentiator, supplemented by an ecosystem of payment terminals (Dejavoo, PAX, Valor, SwipeSimple), the cloud-based Quantic POS system for retail and restaurant operations, and multiple gateway platforms (PayHub+ Gateway, SwipeSimple Gateway, SAM). The Quantic POS integrates with third-party systems including QuickBooks, DoorDash, and Chowly. All processing is backed by Level 1 PCI DSS certification, fraud protection monitoring, and US-based customer support.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing

Quantifiable outcome

• Merchants can stop paying credit card processing fees entirely with PayLo Service Fee Program
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered flagship and core.

• Rugby AustraliaflagshipGTM or Marketing Partner · 10 February 2026Multi-year extension of exclusive collaboration continuing as Official Foreign Exchange Payments Partner for Wallabies and Wallaroos national rugby teams. Partnership provides currency risk management solutions and global payments services. Confirmed by Rugby Australia CEO Phil Waugh and Corpay CMO Brad Loder. (Note: This partnership is associated with Corpay, Inc., the parent company, not the US payment processing entity.)
• SignaPaycoreChannel Partner/ Reseller/ DistributorSignaPay is a registered ISO (Independent Sales Organization) of Chesapeake Bank, Commercial Bank of California, Esquire Bank, and Synovus Bank. CorPay operates as an authorized SignaPay partner for credit card processing services. This partnership enables CorPay to offer payment processing under banking relationships.
• DejavoocoreTechnology or IntegrationEquipment brand partner providing countertop payment terminals (P1, QD4), wireless/mobile terminals (P3, QD2), and POS systems. Dejavoo equipment is EMV-compliant with NFC capability for mobile wallet acceptance.
• PAX TechnologycoreTechnology or IntegrationEquipment brand partner providing countertop terminals (A80) and wireless mobile terminals (A920). PAX equipment supports EMV chip cards and NFC mobile payments.
• Valor-PayTechcoreTechnology or IntegrationEquipment brand partner providing countertop terminals (VL 100, VL 500) and Bluetooth card readers (RCKT). Valor products support EMV and mobile payment acceptance.
• SwipeSimplecoreTechnology or IntegrationGateway and card reader partner providing B250 Bluetooth card reader and SwipeSimple gateway platform for mobile payment acceptance via phone/tablet.
• Quantic POScoreTechnology or IntegrationCloud-based POS platform partner offering point-of-sale solutions for retail and restaurant operations with omnichannel payment processing, inventory management, CRM, and loyalty features.
• Chesapeake BankcoreOthersOne of four banks that sponsor CorPay through SignaPay as registered ISO, enabling payment processing services.
• Commercial Bank of CaliforniacoreOthersOne of four banks that sponsor CorPay through SignaPay as registered ISO, enabling payment processing services.
• Esquire BankcoreOthersOne of four banks that sponsor CorPay through SignaPay as registered ISO, enabling payment processing services.
• Synovus BankcoreOthersOne of four banks that sponsor CorPay through SignaPay as registered ISO, enabling payment processing services.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Square (Block): Block's Square is a broad incumbent in SMB payment processing offering integrated hardware, POS, and software. Like CorPay, it targets small and medium merchants across retail and restaurant verticals with transparent pricing, but Square operates at vastly larger scale with proprietary processing rather than an ISO model.
• Stripe: Stripe is a leading payment processor and gateway provider serving online and omnichannel merchants. CorPay's gateway and eCommerce offerings overlap with Stripe's payment-processing and hosted-checkout capabilities, though Stripe operates primarily through API-driven developer channels versus CorPay's direct sales-led ISO model.
• Clover (Fiserv): Clover is Fiserv's SMB POS and payments platform offering hardware, software, and processing through an ISO/app marketplace model. Like CorPay, Clover distributes through agent and ISO channels and serves retail and restaurant SMBs, but at materially larger scale and with first-party processing.
• PayPal Zettle: PayPal's Zettle (formerly iZettle) offers integrated card readers, POS, and online payments for small businesses. It competes with CorPay's combined hardware + gateway + processing offering, with PayPal's brand recognition and digital wallet ecosystem providing differentiation.

Direct peers

• Toast: Toast is a restaurant-focused integrated payments and POS platform with cloud-based software and processing. It directly overlaps with CorPay's Quantic POS and restaurant-vertical payment-processing offering, competing for the same SMB restaurant merchants with a deeper vertical software stack.
• Helcim: Helcim is a direct SMB-focused payment processor offering transparent interchange-plus pricing, online and in-person acceptance, and small-business tools. It overlaps with CorPay's value proposition of helping SMBs reduce processing costs, though Helcim operates a direct digital model versus CorPay's ISO relationship structure.
• Payment Depot: Payment Depot is an SMB payment processor offering wholesale interchange-plus pricing through ISO and partner channels. It targets the same cost-sensitive SMB merchant base as CorPay with a similar value proposition of transparent, lower-cost processing versus traditional tiered pricing.
• Stax (by Fattmerchant): Stax is a subscription-based SMB payment processor offering flat-rate pricing and integrated software. It competes directly with CorPay in the SMB payment-processing market with a similar focus on cost transparency, software bundling, and small-business customer success.
• National Processing: National Processing is an SMB-focused payment processor operating through ISO and agent channels, offering processing, gateway, and POS solutions. It directly parallels CorPay's ISO-led distribution model and SMB merchant focus across retail, restaurant, and service verticals.
• SpotOn: SpotOn is a software-and-payments company offering integrated POS, online ordering, and payment processing for SMBs in restaurant and retail verticals. It overlaps directly with CorPay's Quantic POS and processing offering, competing for the same SMB merchant relationships with a vertically-focused software suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks2 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/corpayusa
• LinkedInlinkedin.com/company/corepay-usa

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 CorPay