Maximized Business Solutions

What Maximized Business Solutions does

Maximized Business Solutions, doing business as Maximized Payment Solutions, is a Sacramento, California-based private merchant services provider founded in 2019. The company is structured as Maximized Payments LLC, a private for-profit entity operating with 1–10 employees under founder and president Maxwell Bogner. It functions as a payment processing reseller and marketing channel rather than as a principal payment processor or sponsor bank, sourcing its underlying processing infrastructure through a channel-partner/reseller relationship with First Nationwide Payments Inc, which itself is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A.

The core offering is merchant payment processing for U.S. small and mid-sized businesses, accepting credit and debit cards, contactless NFC payments, and mobile wallet transactions. The commercial differentiator is a tiered pricing portfolio built around three structures — Cash Discount (allowing merchants to eliminate processing fees by surcharging card payments), Dual Pricing, and Cost Plus — pitched against a positioning of transparent, customized solutions for SMBs that have historically been underserved by larger processors. Supplementary products include the sale and deployment of payment terminals and POS systems (including Clover hardware), integration with accounting, e-commerce, and CRM platforms, security and compliance services, and U.S.-based customer support. The company also serves high-risk merchant categories as a secondary segment.

The go-to-market is sales-led and direct: free consultations, website-driven demo booking, and personalized onboarding targeted at SMB owners, supported by prominently displayed customer testimonials. Revenue mechanics are predominantly transaction-based processing fees (with residual stream economics typical of ISO arrangements) plus hardware resale margin. The company provides no app, no public API or SDK, and discloses no funding, revenue, or headcount growth beyond its founding scale — indicating a small, bootstrapped operator in a highly commoditized segment of the payments value chain.

Name

Maximized Business Solutions

Legal name

Maximized Payments LLC

Website

https://gomaximized.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Maximized Business Solutions (dba Maximized Payment Solutions) is a Sacramento-based Independent Sales Organization reselling payment processing, POS hardware, and customized pricing programs — including Cash Discount, Dual Pricing, and Cost Plus — to U.S. small and mid-sized merchants via First Nationwide Payments.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing

NAICS

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

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

Keywords

• Merchant payment processing
• POS systems
• Cash discount program
• High-risk merchant services
• Payment terminal sales

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based payment processing fees charged to merchants for processing credit/debit card transactions, NFC payments, and mobile wallet payments. Revenue generated through various pricing models including Cash Discount, Dual Pricing, and Cost Plus structures.
2. Hardware Sales: Sale of payment terminals and POS systems to merchants, including traditional setups, mobile, and tablet-based solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Maximized Business Solutions (DBA Maximized Payment Solutions) provides merchant payment processing services that enable U.S. small and mid-sized businesses to accept credit and debit cards, contactless NFC payments, and mobile wallet transactions. Offerings include three customizable pricing structures (Cash Discount, Dual Pricing, Cost Plus), advanced payment terminals and POS systems, integration with accounting/e-commerce/CRM systems, and security and compliance services. The company also serves high-risk merchant categories that are often declined by mainstream processors.

Product overview

Maximized Payment Solutions is a single unified merchant payment processing platform offering customized payment acceptance services for businesses of all types, including high-risk merchants. The core offering consists of payment processing infrastructure with multiple customizable pricing models (Cash Discount, Dual Pricing, and Cost Plus). The portfolio includes associated add-on modules for advanced POS terminals, payment system integration, expert consultation support, and security compliance services. These components work together as an integrated payment ecosystem rather than a modular platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Payment Processing Services Core service enabling U.S. businesses to accept credit cards, debit cards, contactless NFC payments, and mobile wallet transactions, customized to merchant needs with multiple pricing structures.
• Advanced Payment Terminals and POS Systems State-of-the-art payment terminals and point-of-sale systems in traditional, mobile, and tablet-based configurations designed for reliability, speed, and security, sold to merchants as part of onboarding.
• Payment Integration Services Integration services connecting payment solutions with business systems including accounting software, e-commerce platforms, and customer relationship management systems.
• Customer Support and Consultation U.S.-based expert support and consultation providing guidance, answering questions, and offering insights to help businesses optimize their payment processing setup, available 24/7 via email, live chat, and phone.
• Security and Compliance Services Data security and compliance services adhering to industry standards, with continuously updated systems to protect transactions and customer data.
• High-Risk Merchant Processing Specialized payment processing for business types typically categorized as high-risk by mainstream payment processors, which those providers often decline or penalize with elevated fees.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• First Nationwide PaymentscoreChannel Partner/ Reseller/ DistributorFirst Nationwide Payments Inc is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., Concord, CA. Maximized Payment Solutions operates as a channel partner/reseller under this ISO relationship, powered by First Nationwide Payments.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Dharma Merchant Services: Independent sales organization serving SMBs with a focus on transparent pricing and high-risk merchant accounts. Highly comparable niche positioning, especially on high-risk merchant servicing.
• National Processing: SMB-focused payment processor offering cash discount and surcharge programs alongside traditional processing. Direct overlap on the Cash Discount pricing model that is central to Maximized's offering.
• Payment Depot: Subscription-based merchant services provider targeting SMBs with interchange-plus pricing. Directly comparable business model: small ISO/reseller focused on transparent pricing for small merchants, similar customer segment.
• Helcim: Canadian SMB payment processor offering transparent interchange-plus pricing with its own gateway. Comparable in its focus on transparent pricing alternatives and SMB targeting, though it owns more of its own tech stack.
• Stax by Fattmerchant: Subscription-based payment processing for SMBs and mid-market merchants, offering transparent interchange-plus pricing. Closely comparable pricing philosophy and SMB focus to Maximized.
• SumUp: European-headquartered SMB card acceptance specialist offering mobile terminals and simple pricing; comparable in its small-merchant focus and hardware-plus-processing bundled model.

Broad incumbents

• Stripe: Dominant internet-era payments platform increasingly pushing down-market into SMB and embedded commerce. Competes for the same merchant acquisition dollars, particularly with Stripe Terminal hardware.
• Toast: Vertically integrated restaurant payments and POS platform; directly relevant given Maximized's restaurant customer base (Fresh Mex Express, Posh Bagel), though Toast is far larger and tech-stack owned.
• Clover (Fiserv): Fiserv's SMB POS and payments platform; Maximized's testimonial customers specifically use Clover Mini hardware. Competes head-to-head for the same restaurant and retail SMB accounts.
• Block (Square): Vertically integrated SMB payments leader offering card acceptance, POS hardware, and software. Competes for the same SMB customers but with proprietary rails and bundled software that Maximized cannot match.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/gomaximized
• Facebookfacebook.com/gomaximized
• LinkedInlinkedin.com/company/gomaximized

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 Maximized Business Solutions