EzPay America

What EzPay America does

EzPay America is a privately held U.S. payment processing and point-of-sale provider headquartered in Alcoa, Tennessee, founded in 2009 and operating with 51-100 employees. The company markets itself as a low-friction alternative to legacy acquirers, offering no-contract onboarding, free equipment, and a Cash Discount Program that enables merchants to pass processing costs to customers. Its platform is positioned as a unified commerce stack for small and mid-sized businesses across the United States.

The company's core product is the Ez Pay POS platform, integrated with a branded payment gateway offering tokenization, 3D Secure authentication, configurable fraud rules, chargeback management, ACH processing, virtual terminal, mobile payments, recurring billing, gift cards, loyalty, CRM, inventory management, email and marketing automation, and a developer API for custom integrations. Hardware offerings include countertop terminals and Tap to Pay. EzPay extends into adjacent financial services via Merchant Capital, Merchant Cash Advance, and Point of Sale Financing. The product surface is further differentiated by over 100 vertical-specific POS solutions targeting restaurants, retail, healthcare, beauty, professional services, home and trade services, e-commerce, and government or non-profit segments.

Revenue is generated primarily through transaction-based fees on credit card and ACH processing, supplemented by hardware sales, merchant financing yield, and a Cash Discount Program that alters the fee structure. Go-to-market is sales-led with online application and demo flows, complemented by an affiliate program and agent network operating through dedicated dashboards, leaderboards, and referral portals. The company is privately held with no disclosed funding rounds, ownership changes, M&A, or leadership transitions in the available source data.

Name

EzPay America

Legal name

EzPay America

Website

https://ezpayamerica.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

EzPay America is a U.S. payment processing and POS provider serving small and mid-sized businesses across 100+ verticals, including restaurants, retail, healthcare, beauty, and professional services. The platform combines payment gateway, POS hardware and software, merchant financing, and an affiliate and agent distribution network.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (522220)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

Keywords

• Payment processing services
• Merchant services
• Point of sale systems
• Credit card processing
• Payment gateway solutions

Headquarters

HQ city

Alcoa

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based revenue from processing credit card and ACH payments for merchants
2. POS Hardware and Software: Revenue from point-of-sale terminal sales and software licensing

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

EzPay America provides payment processing solutions to all business types, with a core offering centered on Ez Pay POS — a comprehensive point-of-sale system that enables merchants to accept credit cards, manage transactions, and process payments securely. The platform is supported by a branded Payment Gateway featuring tokenization, fraud protection, mobile payments, payment links, recurring billing, and reporting, along with vertical-specific POS solutions for restaurants, retail, healthcare, beauty, and professional services. The company also offers merchant financing options including Merchant Capital, Merchant Cash Advance, and a Cash Discount Program, bundled with no contracts and free equipment.

Product overview

EzPay America is a unified payment processing platform providing secure and efficient payment solutions for businesses of all sizes. The core product is Ez Pay POS, a comprehensive point-of-sale system that enables businesses to accept credit cards, manage transactions, and grow their operations. The platform integrates a full-featured Payment Gateway offering tokenization, fraud protection, mobile payments, payment links, recurring billing, and comprehensive reporting. Supporting modules include ACH Payments, Virtual Terminal, Mobile Payments, Gift Card Program, Loyalty Program, Invoicing with Automated Invoicing, PCI Compliance tools, Inventory Management, CRM, Email Marketing, and Marketing Tools. The platform also provides financial services including Usage Based Billing, Point Of Sale Financing, Merchant Capital, and Merchant Cash Advance. Additional capabilities include Fraud Detection with configurable Fraud Rules, Chargeback Management, Three D Secure authentication, multiple checkout options (Web Payment Pages, Payment Links, Online Checkout), ECommerce integration, Cash Discount Program, Instant Payouts, and Developer API access. The platform offers specialized industry-specific POS solutions across retail, restaurant, professional services, healthcare, fitness, beauty, automotive, and numerous other verticals. Hardware options include Countertop Terminal and Tap To Pay functionality. The platform also includes business management tools such as Analytics, Business Dashboard, Transaction History, User Management, and Affiliate/Agent Management systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Ez Pay POS The main point-of-sale platform enabling businesses to accept credit cards, manage transactions, and process payments securely.
• Branded Payment Gateway Branded payment gateway with tokenization, fraud protection, mobile payments, payment links, recurring billing, and reporting capabilities.
• ACH Payments ACH payment processing for secure and efficient bank-to-bank transactions.
• Virtual Terminal Browser-based terminal for processing credit card payments without physical hardware.
• Mobile Payments Payment processing capabilities for mobile devices and gateway mobile payment solutions.
• Recurring Billing Automated recurring billing and subscription payment management.
• Gift Card Program Digital and physical gift card issuance and management for customer loyalty.
• Loyalty Program Customer loyalty and rewards program management.
• Invoicing Invoice generation and management with automated invoicing capabilities.
• Countertop Terminal Physical payment terminal hardware for countertop use.
• Tap To Pay Contactless tap-to-pay payment capability.
• Developer API API integration capabilities for developers to connect payment systems and build custom payment solutions.
• Online Checkout Complete online checkout solution with web payment pages and payment links.
• Chargeback Management Dispute resolution and chargeback management services.
• Cash Discount Program Cash discount program for reducing transaction fees.
• Instant Payouts Immediate fund disbursement and payout services for merchants.
• Merchant Capital Business capital and funding solutions for merchants.
• Merchant Cash Advance Cash advance funding based on merchant sales volume.
• Point Of Sale Financing Financing options at the point of sale for customers.
• E-Commerce Integration E-commerce payment integration and solutions for online retailers and subscription businesses.

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Toast: Toast is a restaurant-vertical specialist offering integrated POS, payments, and merchant capital to SMB and mid-market restaurants — directly comparable to EzPay America's restaurant POS and merchant financing modules.
• Stripe: Stripe is a leading integrated payment processing platform with developer API, gateway, and SMB/online commerce focus — directly comparable to EzPay America's payment gateway, Developer API, and online checkout capabilities.
• Payment Depot: Payment Depot is an SMB payment processor offering wholesale interchange-plus pricing with no contracts — directly competing with EzPay America's transparent, no-contract pricing positioning.
• Clover Network (Fiserv): Clover is a vertical-specialist POS and merchant services platform distributed heavily through agent/ISO channels — directly overlapping EzPay America's vertical POS, partner distribution, and integrated payments model.
• North American Bancard: North American Bancard is a privately held SMB payment processor and ISO with agent distribution and merchant capital offerings — directly comparable to EzPay America's pricing flexibility and partner channel.
• Square (Block): Square is the dominant integrated POS and payment processing platform for SMBs across restaurant, retail, and service verticals — directly comparable to EzPay America's core merchant-facing offering and bundled software model.

Emerging players

• Helcim: Helcim is a SMB-focused payment processor offering interchange-plus pricing, POS tools, and merchant services — comparable to EzPay America's transparent SMB payments and vertical POS approach.
• Lightspeed Commerce: Lightspeed provides integrated POS and payments for retail and restaurant verticals — overlapping EzPay America's vertical POS strategy while focusing more on mid-market merchants.

Broad incumbents

• PayPal (Zettle): PayPal offers a broad payments and POS portfolio including Zettle for in-person SMB acceptance — directly competitive with EzPay America's processing and POS offerings, but operating at vastly greater scale.
• Heartland Payment Systems (Global Payments): Heartland is a large SMB-focused payment processor with ISO/agent distribution — closely comparable to EzPay America's direct and agent-driven SMB acquiring model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/EzpayA
• Facebookfacebook.com/ezpayamerica

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 EzPay America