CashNet Solutions

What CashNet Solutions does

CashNet Solutions Inc. is a privately held US merchant services provider headquartered in Glendale, California, founded in 2015 and operating as an Independent Sales Organization (ISO) sponsored by Wells Fargo Bank N.A., TSYS/PNC Bank N.A., and Vantiv/WorldPay/Fifth Third Bank. The company targets small and medium-sized businesses across retail, restaurant, mobile, subscription, and cash-intensive verticals in the United States, self-reporting a customer base of 'thousands of merchants nationwide.' Leadership is led by President and CEO Barry Begoumian. The company has 1-10 employees and operates without disclosed external funding.

The product platform centers on three pillars: a multi-vendor POS hardware portfolio anchored by Clover (Go, Flex, Mini, Solo, Duo, Flex Pocket, Kiosk, KDS) with additional options from Pax, Valor, pcAmerica, and OPax; a cloud-based Payment Gateway with Virtual Terminal, Customer Vault tokenization, Automatic Card Updater, ISPYFraud, Electronic Invoicing, and ACH acceptance; and a Merchant Dashboard for transaction analytics, complemented by a native QuickBooks integration for accounting sync. Processing is routed through NMI, WorldPay, and Fiserv infrastructure.

Revenue is generated primarily through transaction fees across multiple pricing structures (Zero Processing/dual pricing, Surcharging, and Interchange Plus), supplemented by POS hardware sales, POS subscriptions, recurring billing solutions, and affiliate referral revenue from a Newtek Lending partnership offering $10K-$15M business loans and CRE financing. Go-to-market is sales-led through direct phone (877.588.2657) and website applications, supported by an agent portal and 'Refer a merchant' program, with marketing driven through savings calculators, content, and Calendly-based demos. Pricing is quote-based and not publicly disclosed, with no long-term contracts as a stated policy.

Name

CashNet Solutions

Legal name

CashNet Solutions Inc.

Website

https://cashnetinc.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

CashNet Solutions is a US-based merchant services provider offering payment processing, POS hardware, gateway, and lending referral solutions to thousands of small and medium-sized businesses, operating as an ISO sponsored by Wells Fargo, TSYS/PNC, and WorldPay/Fifth Third.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Payment processing services
• Merchant services
• Credit card processing
• POS solutions
• Payment gateway

Headquarters

HQ city

Glendale

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, Supply Chain, Infrastructure

Revenue model

1. Payment Processing Services: Transaction fees from processing credit cards, debit cards, ACH payments, and other payment methods. Offers multiple pricing structures including Dual Pricing, Surcharging, and Interchange Plus.
2. Zero Pricing Program: Dual pricing model where merchants offer cash price vs card price, potentially eliminating up to 100% of credit card processing costs for the merchant
3. Wholesale Rate Program: Volume-based pricing program that provides enterprise-level wholesale rates to qualified merchants based on their processing history and volume
4. POS Hardware Sales: Sale of POS hardware including Clover devices (Go, Flex, Mini, Station Solo, Duo), Pax terminals, Valor terminals, and pcAmerica systems
5. POS Subscriptions: Subscription-based POS systems with cloud-based features including inventory management, real-time reporting, customer loyalty programs, and seamless payment processing
6. Recurring Payments/Billing: Automated recurring payment solutions for subscription-based businesses and services with predictable cash flow
7. Business Lending Referrals: Referral partnerships for business loans and CRE financing ranging from $10K to $15M through Newtek Lending

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

CashNet Solutions is a merchant services provider that delivers credit card and debit card processing, ACH payments, payment gateway services, and point-of-sale hardware to small and medium-sized U.S. businesses. The offering bundles POS terminals (Clover, Pax, Valor, pcAmerica), an online gateway with virtual terminal and fraud tools, a merchant analytics dashboard, QuickBooks integration, and dual-pricing/wholesale rate programs designed to reduce merchant processing costs.

Product overview

CashNet Solutions is a payment processing and merchant services company offering an integrated platform of payment acceptance solutions. The portfolio centers on three interconnected pillars: (1) Point-of-Sale hardware solutions comprising multiple Clover POS terminals (Go, Flex, Mini, Solo, Duo, Flex Pocket, Kiosk, KDS) plus Pax, Valor, and pcAmerica terminals; (2) a Payment Gateway with Virtual Terminal for online and card-not-present transactions, featuring Customer Vault tokenization, fraud protection (ISPYFraud), and electronic invoicing; and (3) the Merchant Dashboard providing centralized transaction analytics and reporting. The platform is augmented by QuickBooks Integration for accounting sync, dual pricing programs (Zero Processing and Wholesale Processing) for cost optimization, and ACH/mobile payment capabilities. Business lending is offered through a Newtek partnership. The company operates as an ISO of Wells Fargo Bank, TSYS/PNC, and Vantiv/WorldPay/Fifth Third.

Differentiator

Problem solved

Functional benefit

Brands

• Zero Pricing Program: A program that allows merchants to eliminate up to 100% of credit card processing costs by offering a cash price versus a card price.
• Wholesale Rate Program

Products and services

• Clover POS Suite of Clover point-of-sale hardware and software (mobile reader, portable handheld, compact all-in-one, countertop, dual-screen, self-ordering kiosk, and kitchen display system) supporting swipe, chip, and contactless payments, inventory, reporting, and integrations for retail, restaurant, and mobile merchants.
• Pax POS Terminals Pax payment terminals offered as part of CashNet's point-of-sale hardware portfolio for in-person card-present transactions at SMB merchant locations.
• Valor POS Terminals Valor payment terminals offered as part of CashNet's point-of-sale hardware portfolio for in-person transactions.
• pcAmerica POS Terminals pcAmerica point-of-sale terminal offered as part of CashNet's POS hardware solutions for merchants.
• Payment Gateway Secure online payment gateway enabling merchants to accept debit/credit cards, PayPal, Apple Pay, Google Pay, and ACH payments, with Customer Vault tokenization, Automatic Card Updater, ISPYFraud, Electronic Invoicing, and low-cost ACH acceptance.
• QuickBooks Integration Native two-way QuickBooks integration that syncs transaction data, sales, and financial information in real time, automates accounts receivable, and supports invoice management and payment reminders.
• Merchant Dashboard Centralized web-based dashboard providing real-time transactional data, revenue analytics, customer spending patterns, transaction tracking, statement viewing, and revenue trend analysis for merchants.
• Zero Processing Program Dual-pricing program that allows merchants to offer a cash price versus a card price to customers, potentially eliminating up to 100% of credit card processing fees while merchants retain the full sale amount.
• Wholesale Processing Program Volume-based wholesale pricing program that leverages processing history to provide SMB merchants enterprise-level transaction rates, with savings up to 30% on credit card processing fees.
• Virtual Terminal All-in-one virtual terminal and gateway solution allowing merchants to securely process credit card payments and refunds from any smartphone, tablet, or computer without physical POS hardware, with PCI compliance, fast funding, and dashboard integration.
• Mobile Payments Mobile payment acceptance solutions for businesses to accept card-present transactions on-the-go, including delivery drivers, mobile merchants, and service providers needing flexible secure mobile card processing.
• Recurring Payments Automated recurring billing solution that ensures steady cash flow, reduces late payments, and minimizes debt collection efforts for subscription-based businesses with predictable revenue models.
• ACH Services ACH payment acceptance through the CashNet Gateway enabling low-cost electronic funds transfers for businesses.
• Business Lending Referrals Referral-based commercial real estate and business lending service offered through Newtek Lending, providing loans from $10K to $15M with principal repayment terms of 10 to 25 years.

Quantifiable outcome

• Save up to 100% on credit card processing fees with Zero Pricing Program
• +2 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered flagship, core and minor.

• CloverflagshipTechnology or IntegrationCashNet is a Clover partner offering the full suite of Clover POS hardware including Go, Flex, Mini, Station Solo, Station Duo, Kiosk, and KDS (Kitchen Display System). Clover devices support swipe, chip, tap/contactless payments including Apple Pay and Google Pay.
• PaxcoreTechnology or IntegrationCashNet offers Pax terminals as part of their POS solution portfolio. Pax terminal brochures are available for download, positioning Pax as a supported hardware option.
• ValorcoreTechnology or IntegrationCashNet offers Valor terminals as part of their POS solution portfolio. Valor terminal brochures are available for download, positioning Valor as a supported hardware option.
• pcAmericacoreTechnology or IntegrationCashNet offers pcAmerica POS terminals as part of their point-of-sale solution offerings.
• NMIcoreTechnology or IntegrationNMI is shown as a payment technology partner in CashNet's partner logos section, providing payment gateway and processing technology infrastructure.
• WorldPaycoreTechnology or IntegrationWorldPay is listed as a technology partner in CashNet's partner section, providing payment processing capabilities.
• FiservcoreTechnology or IntegrationFiserv is listed as a technology partner in CashNet's partner section, providing payment processing and financial technology solutions.
• OPaxcoreTechnology or IntegrationOPax is shown as a partner in CashNet's partner logos section, representing another POS hardware option.
• QuickBookscoreTechnology or IntegrationCashNet offers QuickBooks integration that syncs transaction data, sales, and financial information in real time. The integration automates accounting processes, improves accuracy, and enables real-time financial insights.
• Newtek LendingminorGTM or Marketing PartnerCashNet refers merchants to Newtek Lending for business loans and CRE financing ranging from $10K to $15M with repayment terms of 10-25 years for owner and non-owner occupied commercial real estate.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Square (Block): Square is a direct SMB payments and POS competitor, offering card processing, hardware (Square Reader, Terminal), POS software, and cash-discount-style features to the same small-merchant base CashNet serves. Closest large-scale parallel to CashNet's integrated payments-plus-POS-plus-software model.
• Helcim: Helcim is an SMB-focused merchant services provider emphasizing transparent interchange-plus pricing, low-cost processing, and QuickBooks-style integrations. Highly comparable to CashNet's value proposition of transparent pricing and SMB-friendly onboarding.
• Stax (formerly Fattmerchant): Stax is a subscription-based SMB payment processor offering interchange-plus and 0% markup models with integrated POS software. Competes head-to-head with CashNet's Wholesale Processing and SMB-targeted transparent pricing.
• PaymentCloud: PaymentCloud is a high-risk-friendly SMB ISO offering merchant accounts, gateway services, and POS hardware. Closely comparable to CashNet's ISO model, multi-processor relationships, and SMB onboarding motion.
• National Processing: National Processing is an SMB ISO providing card processing, POS solutions, and cash-discount programs comparable to CashNet's Zero Pricing offering. Direct competitor for cash-intensive SMB merchants.
• Clover Network (Fiserv): Clover is both CashNet's flagship hardware partner and a direct competitor through its own merchant services arm at Fiserv. Comparable because Clover offers the same SMB POS hardware/software stack that CashNet resells, and competes for the same merchant relationships.
• Dharma Merchant Services: Dharma is an SMB-focused ISO known for transparent interchange-plus pricing and no hidden fees. Closely comparable to CashNet's transparent pricing positioning and SMB ISO business model.

Emerging players

• Toast: Toast is a restaurant-focused POS and payments platform. Comparable as an SMB POS-plus-payments competitor with hardware, software, and integrated processing — CashNet lists restaurants/food service as a target segment and competes in adjacent deals.

Broad incumbents

• Stripe: Stripe is a broad payment infrastructure platform with growing SMB and POS-adjacent offerings (Stripe Terminal, Stripe Tax, Stripe Invoicing). Competes for SMB merchant processing volume and sets the competitive pricing benchmark that ISOs like CashNet must match.
• PayPal: PayPal is a diversified payments platform with SMB checkout, PayPal Here/Zettle POS hardware, and working-capital products. Broad incumbent competing for the same SMB wallet and offering some of the payment methods (PayPal, Apple Pay via integrations) that CashNet advertises.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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 CashNet Solutions