What Paythings does

Paythings Inc. is a private US-incorporated technology company, headquartered in Great Neck, NY (with a secondary presence referenced in Dunfermline, UK), that sells AI-powered cash management infrastructure to multi-location retailers and financial institutions. The company offers a three-tier proprietary smart safe hardware line — Harbor 1000 (compact POS-integrated unit for under-1,000-bill deposits), Harbor 2000 (bulk feed, 50 notes per 1.7-second cycle), and Harbor 4000 (high-capacity 4,000-bill unit) — paired with a cloud-connected software platform that provides real-time estate-wide cash visibility, automated reconciliation, machine-learning-driven anomaly alerts, predictive forecasting, and next-day deposit capabilities. The platform integrates with Cash-in-Transit (CIT) logistics providers to reconcile final cash counts and with retailer POS systems via REST API.

The business model combines hardware sales (the Harbor safes), recurring cloud platform subscriptions, and managed network partner services (armored car and cash vault management delivered through channel partners). Pricing is quote-based, structured as annual subscriptions tailored to deployment size and cash volume, with customer-reported savings of $500+ per month per location. Go-to-market is executed through direct enterprise field sales targeting multi-location retail chains and US financial institutions, supplemented by channel partner distribution. Two strategic partnerships anchor the distribution footprint: Empyreal Logistics (April 2026, US) provides nationwide armored transportation and vaulting, while KORT Payments (May 2026, Canada) extends the platform into Canadian retail through an omnichannel payments network. The company reports having processed billions in cash across multi-location retailers, with customer-reported outcomes including 85-90% cash float reduction, 25-60% shrinkage reduction, and operational cost savings from elimination of manual cash-handling tasks.

Name

Paythings

Legal name

Paythings Inc.

Website

https://paythings.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Paythings Inc. provides AI-powered cash management infrastructure combining proprietary Harbor smart safe hardware with a cloud platform that delivers real-time visibility, automated reconciliation, and next-day deposits for multi-location retailers and financial institutions across North America.

Ownership category

akta.pro rank

Product category

Cash Management Hardware and Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Smart cash management
• Smart safe hardware
• Cash automation software
• Cloud cash platform
• Retail cash solutions

Headquarters

HQ city

Dunfermline

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Hardware or Manufacturing

Cost components

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

Revenue model

1. Smart Safe Hardware Sales: Sale of proprietary smart safe devices (Harbor 1000, 2000, 4000) with varying capacities for different cash volume requirements.
2. Cloud Platform Subscription: AI-powered cloud platform providing real-time visibility, reconciliation, and forecasting capabilities with subscription-based access.
3. Network Partner Services: Flexible partner network services including Armored Car and Cash Vault Management integrated through the Paythings platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Paythings provides cash management solutions combining proprietary smart safe hardware (Harbor 1000, 2000, and 4000 series) with an AI-driven cloud platform that delivers real-time cash visibility, automated reconciliation, machine learning insights, and next-day deposit capabilities for multi-location retailers and financial institutions. The offering integrates with Cash-in-Transit (CIT) providers and armored car partners to deliver end-to-end cash handling from point-of-sale deposit through final bank settlement.

Product overview

Paythings offers a unified cash management platform consisting of three smart safe hardware products (Harbor 1000, Harbor 2000, and Harbor 4000) powered by an AI-driven cloud software platform. The Harbor series ranges from compact POS-integrated safes (1000 bills) to high-capacity bulk deposit units (4000 bills), all connected to a central cloud platform providing real-time estate visibility, automated reconciliation, intelligent alerts, machine learning insights, and next-day deposit capabilities. The platform enables multi-location retailers to digitize cash handling, achieve full traceability, reduce shrinkage, and optimize working capital through a single integrated ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Harbor 4000: High Capacity Smart Safe designed for businesses handling large cash volumes (up to 4000 bills), delivering efficiency, speed, and security in a compact design with full traceability.
• Harbor 2000
• Harbor 1000

Products and services

• Harbor 4000 Smart Safe High-capacity smart safe designed for businesses handling large cash volumes (up to 4,000 bills), delivering efficiency, speed, and security with full traceability and the highest level of counterfeit detection. Targets enterprises with substantial daily cash intake.
• Harbor 2000 Smart Safe Bulk feed smart safe for businesses managing medium-to-large cash volumes (cassette up to 2,000 bills / free drop up to 2,700), combining high throughput processing (50 notes at a time, 1.7 seconds per transaction) with speed, security, and full traceability. Supports 100 banknote types in 4 ways with 98% or higher acceptance rate.
• Harbor 1000 Smart Safe Smart deposit safe designed for retail Point of Sale applications where small amounts of cash (under 1,000 bills) need to be secured, featuring an ultra-compact footprint, real-time cash monitoring, and secure POS integration via a local REST API access point.
• Paythings Cloud Platform AI-driven enterprise software platform that powers all Paythings smart safes, providing real-time visibility across cash operations, intelligent alerts, machine learning insights, seamless data feeds, automated reconciliation, and working capital optimization with next-day deposit capabilities. Integrates with CIT providers to reconcile final cash counts.
• Network Partner Services Managed network partner services delivered through the Paythings platform, including Armored Car and Cash Vault Management, providing customers with trusted and flexible end-to-end cash logistics integrated with their smart safe deployment.

Quantifiable outcome

• 85-90% reduction in cash float with next-day deposit
• +2 more outcomes

Named customers3 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

AI capability4 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• KORT PaymentscoreStrategic or Co-development Partner · 28 May 2026Strategic partnership with KORT Payments, a leading omnichannel payments provider, to bring Paythings' smart safe technology and cloud platform to retailers across Canada. KORT leverages its expertise in compliance, risk management, and payment processing to distribute Paythings' solutions to Canadian retailers looking for more efficient cash handling across one or multiple locations.
• Empyreal LogisticscoreStrategic or Co-development Partner · 4 April 2026Strategic partnership with Empyreal Logistics, one of the largest independent armored cash logistics providers in the United States. Paythings' smart safe technology and AI-powered platform combines with Empyreal's nationwide armored transportation and vaulting network to deliver fully integrated cash management solutions for multi-location retailers and financial institutions. Enables businesses to securely move, track, and reconcile cash in real time from point of deposit to final settlement.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Loomis: Major cash-handling, CIT, and vault services provider operating globally. Comparable to Paythings in serving multi-location retailers and financial institutions for physical cash movement, but at much larger scale and with its own fleet rather than via a software-led model.
• Brink's: Global leader in cash-in-transit, vault, and cash management services for retailers and financial institutions. Closest broad incumbent to Paythings, with the armored logistics network and FI relationships that Paythings is trying to digitize and integrate via its smart-safe platform.
• Loomis Express / GardaWorld Cash Services: GardaWorld's cash services division provides CIT, ATM, and cash-management solutions across North America, directly comparable to Paythings' armored-transit integrated cash-management offering delivered through the Empyreal partnership.
• NCR Atleos (NCR self-checkout / cash handling): Spun off from NCR to focus on ATM, cash recycling, and self-service retail banking hardware and software. Broad incumbent with deep FI and large-retailer relationships that overlap with Paythings' financial-institution and multi-location retail customers.

Direct peers

• Glory Global Solutions: Manufacturer of cash handling, recycling, and smart-safe hardware combined with software for retail and financial institutions. Directly comparable product portfolio to Paythings' Harbor series, with deeper international reach and a longer enterprise track record.
• Tidel (a brand of ACG): US-based manufacturer of smart safes (Tidel Sentinel, Series 4) and cash-management software primarily for retail and convenience operators. The most direct US-based hardware+software smart-safe competitor to Paythings' Harbor product line.
• Armor Safe Technologies: Smart-safe and cash-management solutions provider targeting retail and convenience store chains. Direct competitor to Paythings in offering smart safe hardware with cloud-based visibility and reconciliation.
• FireKing Security Group: Provider of cash-management safes, smart safes, and related retail security products. Competes with Paythings at the hardware level for retail cash-deposit and reconciliation use cases across multi-location operators.
• CashGuard: Provider of closed cash-handling systems and back-office reconciliation software for retail. Comparable in automating and digitizing physical cash workflows, with stronger presence in European retail chains than Paythings.

Regional players

• Volumatic: UK-based cash handling technology provider (smart safes, cash counters, reconciliation software) focused primarily on the UK and European retail market. Comparable technology stack to Paythings but with a different geographic footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/paythings

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Paythings