What Payment Processing Consultants does

Payment Processing Consultants, Inc. (PPC) is a privately held, founder-led payment services company founded in 1998 and headquartered in Pittsford, New York (Rochester area). The company operates as a registered Independent Sales Organization (ISO) of three major US banks — Citizens Bank N.A., PNC Bank N.A., and Wells Fargo Bank N.A. — enabling it to underwrite and resell merchant processing services to small and mid-sized businesses across the United States.

PPC's product portfolio is organized as a platform-plus-modules architecture. Core offerings include countertop terminals, point-of-sale (POS) systems, mobile payment solutions (built around the RCKT EMV mPOS Reader), a browser-based virtual terminal (delivered via the CardPointe platform with PCI-validated Point-to-Point Encryption and patented tokenization), and eCommerce integrations. The Payment Center platform consolidates add-on modules including payment links, payment requests, smart invoicing, recurring and automatic payments, hosted payments, and a RESTful JSON API for developer integration. Industry-specific packaging covers retail, restaurant, B2B (with Level 2/3 data support), non-profit, and automotive segments.

The business model is transaction-based. PPC earns revenue primarily through Interchange Plus fixed-rate markups on credit and debit card processing, supplemented by PCI compliance fees and chargeback-related fees. A secondary Zero Cost Processing pricing model passes processing costs to customers via cash discount or non-cash adjustment surcharging. Go-to-market is sales-led through a direct sales team and a network of 25+ referral partners, complemented by a formal reseller program and self-service digital tools. The company carries an A+ Better Business Bureau rating, claims 100+ years of combined team industry experience, and operates on month-to-month agreements with no long-term contracts.

Name

Payment Processing Consultants

Legal name

Payment Processing Consultants, Inc.

Website

https://ppcsales.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Payment Processing Consultants is a privately held, founder-led Independent Sales Organization founded in 1998 in Pittsford, New York, reselling credit and debit card processing services to small and mid-sized US merchants across retail, restaurant, B2B, non-profit, and automotive verticals via multi-bank sponsorship.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Recurring Billing & Subscription Payments Enablement (FSAMACAF), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Merchant Acquiring & Processing Platforms (BPAMAFAB)

Keywords

• Payment processing services
• Merchant services
• Credit card processing
• POS solutions
• ISO payment processing

Headquarters

HQ city

Pittsford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Transaction Processing Fees: Revenue generated from processing credit and debit card transactions for merchants. The company uses Interchange Plus pricing model where merchants pay interchange fees set by card networks plus a fixed markup.
2. Interchange Plus Fixed Rate Processing: Merchants pay actual interchange fees set by card networks plus a fixed percentage rate and fixed transaction fee. Provides transparency with low monthly fees and no hidden costs.
3. PCI Compliance Fees: Fees charged to merchants for PCI compliance support, questionnaires, vulnerability scans, and expert support services.
4. Chargeback Fees: Occasional fees associated with chargeback management and dispute resolution services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Payment Processing Consultants, Inc. is a registered Independent Sales Organization that enables U.S. merchants to accept all non-cash forms of payment—including credit/debit cards, ACH/e-checks, NFC mobile wallets (Apple Pay, Google Pay), and EMV chip transactions—through Countertop terminals, POS systems, mobile readers, a Virtual Terminal, eCommerce integrations, and the Payment Center platform. The company provides transparent Interchange Plus pricing and Zero Cost Processing models, complemented by PCI compliance support, chargeback management, and a partner/reseller channel.

Product overview

Payment Processing Consultants offers a comprehensive suite of payment processing solutions organized as a platform-plus-modules architecture. The core product portfolio includes Countertop terminals, Point-of-Sale (POS) systems, Mobile payment solutions with the RCKT EMV mPOS Reader, Virtual Terminal, and eCommerce Integrations. These hardware and software products are complemented by the Payment Center platform, which consolidates add-on modules including Payment Links, Payment Requests, Smart Invoicing, Recurring Payments, Automatic Payments, Hosted Payments, and the Simple API for developer integration. The CardPointe Virtual Terminal (a sub-brand) provides browser-based POS functionality with tokenization. Industry-specific solutions serve Retail, Restaurant, B2B, Non-Profit, and Automotive sectors. Two pricing models are offered: Interchange Plus Fixed Rate and Zero Cost Processing. Clover POS is also referenced as part of their ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Countertop Payment Terminal Fixed payment terminal for retail environments with EMV chip support, NFC mobile wallet acceptance (Apple Pay, Google Wallet), Ethernet/Wi-Fi connectivity, and customizable receipts.
• Point-of-Sale (POS) System Versatile POS system for businesses of all sizes with inventory management, employee tracking, online ordering, tax management, reporting, and EMV/NFC/mobile wallet support.
• Mobile Payment Solution (RCKT EMV mPOS Reader) Mobile payment solution enabling businesses to accept tap-to-pay and mobile wallet transactions (Apple Pay, Google Wallet) at events and pop-up locations via the RCKT EMV mPOS Reader with swipe, dip, and tap capabilities.
• Virtual Terminal (CardPointe) Browser-based payment solution for card-not-present transactions, supporting Level 2 and Level 3 data processing for B2B, P2PE encryption, and acceptance of credit/debit cards, e-checks, and ACH transfers.
• eCommerce Integrations Payment gateway solutions for online businesses, providing secure credit card payment acceptance through seamless website integration with support for global customer access and automated transaction processing.
• Payment Center Platform Comprehensive online payment platform consolidating payment links, payment requests, smart invoicing, recurring payments, automatic payments, hosted payments, and the Simple API for managing all business payment acceptance.
• Simple API Developer-focused RESTful JSON API enabling software developers to add payment features to their own applications, onboard merchant accounts, send payment requests, and generate payment links.
• Retail Industry Solution Payment processing tailored for retail businesses including brick-and-mortar stores and e-commerce, offering optimized checkout, inventory management, and support for all major card and digital wallet payments.
• Restaurant Industry Solution Payment processing for restaurants featuring tableside transactions, split bill and tip options, EMV security, and reservation system integration.
• B2B Industry Solution Payment processing for business-to-business transactions with support for credit cards, checks, mobile payments, e-wallets, chargeback management, and fraud reduction.
• Non-Profit Industry Solution Payment processing for non-profit organizations including recurring donation management, flexible payment options (credit cards, ACH/EFT), secure transactions, and real-time reporting.
• Automotive Industry Solution Payment processing for automotive businesses featuring contactless payments, customizable invoicing for repair services, cash discount/surcharging options, and deposit tracking.
• Partner/Reseller Program Channel program allowing other businesses to resell Payment Processing Consultants' payment processing solutions, with benefits including exceptional service support, client retention tools, competitive transparent pricing, and flexible fee structures.

Quantifiable outcome

• Save up to 100% on card processing fees through Automated Dual Pricing
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• Citizens Bank N.A.coreTechnology or IntegrationPPC is a registered Independent Sales Organization (ISO) of Citizens Bank N.A., Concord, CA, enabling them to offer payment processing services under the bank's sponsorship.
• PNC Bank, N.A.coreTechnology or IntegrationPPC is a registered Independent Sales Organization (ISO) of PNC Bank, N.A., Pittsburgh, PA, providing banking partnership for payment processing services.
• Wells Fargo Bank, N.A.coreTechnology or IntegrationPPC is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., Concord, CA, allowing them to provide payment processing services.
• CardPointecoreTechnology or IntegrationPPC utilizes CardPointe platform for their virtual terminal solution, featuring patented tokenization and browser-based payment processing.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Helcim: SMB-focused payment processor that, like PPC, markets transparent Interchange Plus pricing with no hidden fees. Both serve cost-conscious small and mid-size merchants across multiple verticals.
• National Processing: Direct SMB payment processor offering Interchange Plus and zero-cost processing options with referral partner programs; competes with PPC on transparent pricing and merchant acquisition channels.
• Dharma Merchant Services: Transparent Interchange Plus payment processor serving small and mid-size merchants, particularly in retail and B2B; directly comparable to PPC on pricing model and target customer.
• Stax (formerly Fattmerchant): Subscription-based payment processor offering transparent Interchange Plus pricing with no hidden fees; directly competes with PPC in the SMB transparent-pricing segment and offers an integrated software platform.
• Payment Depot: SMB payment processor emphasizing wholesale Interchange Plus pricing and transparent fee structures, similar to PPC's positioning. Both target small businesses seeking lower-cost card acceptance.

Broad incumbents

• Stripe: Developer-first payment platform serving online and omnichannel merchants; competes with PPC's eCommerce integrations and API offerings, though skews more toward digital-native businesses.
• PayPal: Broad incumbent in SMB digital payments and checkout; competes with PPC across eCommerce, B2B (PayPal Working Capital/PayPal Business), and contactless payment acceptance.
• Clover (Fiserv): POS and merchant acquiring platform whose hardware PPC resells; competes with PPC for SMB merchants and represents both a partner and competitor depending on go-to-market motion.
• Square (Block): Dominant SMB payments platform with integrated POS, software, and banking; competes with PPC across all five verticals (retail, restaurant, automotive, B2B, non-profit) but bundles hardware, software, and capital.

Emerging players

• CardFlight (SwipeSimple): Mobile and virtual terminal payment provider whose SwipeSimple product is leveraged by PPC for mobile processing; an emerging technology provider and partial channel partner competing in the SMB mobile acceptance space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Payment Processing Consultants