Hybrid Payments
Hybrid Payments LLC is a U.S.-based ISO of Citizens Bank, N.A. that provides SMB merchants with card processing, a PCI-compliant payment gateway, and next-day business funding across retail, hospitality, government, nonprofit, healthcare, and service verticals.
- Company typePrivate
- Founded2011
- HeadquartersNaples, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Hybrid Payments does
Hybrid Payments LLC is a U.S.-based merchant services provider operating as a registered Independent Sales Organization (ISO) of Citizens Bank, N.A. The company delivers a three-product platform covering card processing, a PCI-compliant payment gateway, and short-term business funding with next-day approval. Its products support credit and debit card acceptance online, in-store, and across multi-channel environments, with the gateway providing the underlying security and transaction-routing layer.
The company serves small and mid-sized businesses across six explicit verticals: retail, hospitality, service, government, nonprofit, and healthcare. Its go-to-market combines a direct sales motion (anchored by "Talk to Sales" calls-to-action) with a partner/reseller channel recruited through its "Become a Partner" program. Pricing is quote-based and not publicly disclosed, consistent with negotiated SMB merchant agreements rather than self-serve onboarding.
Revenue is generated primarily through transaction-based processing fees on card volume, supplemented by what appears to be interest or origination fees on its business funding product. The company is privately held with no disclosed funding rounds, headcount, or revenue figures. Its operating footprint is domestic, with no global expansion claims identified in the source material.
Hybrid Payments firmographics
Firmographics- Name
- Hybrid Payments
- Legal name
- Hybrid Payments LLC
- Website
- https://hybridpayments.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Hybrid Payments LLC is a U.S.-based ISO of Citizens Bank, N.A. that provides SMB merchants with card processing, a PCI-compliant payment gateway, and next-day business funding across retail, hospitality, government, nonprofit, healthcare, and service verticals.
- Ownership category
- akta.pro rank
Hybrid Payments industry classification
Industry- Product category
- Payment Processing / Merchant Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Merchant Acquiring & Processing Platforms (BPAMAFAB)
Keywords
Where Hybrid Payments is headquartered
LocationHeadquarters
- HQ city
- Naples
- HQ country
- United States
- HQ region
- North America
Markets served
Hybrid Payments business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Services: Transaction-based payment processing fees charged to merchants for card processing services. Revenue is generated through transaction fees on every payment processed through their platform.
- Business Funding: Provides flexible business funding to merchants, likely generating revenue through interest or origination fees on funded capital.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
Hybrid Payments product offering
Product offeringCore offering
Hybrid Payments delivers merchant payment processing services through three core products: Card Processing (credit/debit acceptance with transparent, scalable pricing), Business Funding (flexible capital access with next-day approval and zero paperwork), and a PCI-Compliant Payment Gateway (secure online, in-store, and multi-platform transactions). The company also offers vertical-specific payment processing tailored to retail, hospitality, service, government, nonprofit, and healthcare merchants.
Product overview
Hybrid Payments is a unified merchant services platform offering three core products: Card Processing, Business Funding, and Payment Gateway. The platform delivers payment processing, access to fast business funding, and transaction security as an integrated solution. The Card Processing product handles credit and debit card acceptance with scalable infrastructure. Business Funding provides flexible capital access with next-day approval and minimal paperwork. Payment Gateway enables PCI-compliant secure transactions across online, in-store, and multi-channel environments. The company also offers specialized payment processing services for specific industries including retail, hospitality, service businesses, government, nonprofit, and healthcare sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Card Processing Payment processing solution that enables businesses to accept credit and debit card transactions with fast, secure, and scalable processing designed to reduce processing costs.
- Business Funding Flexible business funding product offering next-day approval and zero paperwork, giving merchants fast access to working capital without waiting on traditional banks.
- Payment Gateway PCI-compliant payment gateway that ensures secure, seamless transactions across platforms including online, in-store, and other channels, built to scale with business growth.
- Retail Merchant Services Payment processing services tailored for retail businesses to accept card payments at point-of-sale locations.
- Hospitality Industry Payment Processing Payment processing solutions designed for hospitality businesses including restaurants, hotels, and lodging establishments, supporting high transaction volumes and fast-paced payment environments.
- Service Industry Payment Processing Payment processing solutions for service-based businesses to accept and manage card transactions, supporting invoice processing, recurring payments, and professional service billing.
- Government Payment Processing Payment processing services designed for government entities and public sector organizations, addressing regulatory compliance and secure transaction requirements.
- Nonprofit Payment Processing Payment processing solutions tailored for nonprofit organizations, including donation acceptance and membership or recurring giving options.
- Healthcare Payment Processing Payment processing services designed for healthcare providers including medical practices and clinics, supporting patient payments, payment plans, and insurance processing integration.
Quantifiable outcome
- Next-day approval for business funding
Companies that use Hybrid Payments
Customer profileSegments6 records
Ideal customer profiles1 record
Hybrid Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Hybrid Payments partnerships and signals
Strategic signalRecent moves5 records
Expansion highlights3 records
Hybrid Payments competitors and assessment
Company assessmentBroad incumbents
- PayPal: PayPal is a broad incumbent in SMB payments with card processing, gateway, working capital, and POS offerings — overlapping almost entirely with Hybrid Payments' bundled value proposition.
Direct peers
- Payment Depot: Payment Depot is a wholesale-style SMB merchant services ISO selling card processing and gateway to small businesses through direct and partner channels.
- Clover Network (Fiserv): Clover provides POS-integrated payment processing and merchant services to SMBs and is directly referenced by Hybrid Payments via its copyright notice, indicating close ecosystem overlap.
- Heartland Payment Systems (Global Payments): Heartland is a long-standing SMB-focused merchant acquirer and ISO sponsor, operating a similar sales-led, vertical-aware model to Hybrid Payments.
- Block (Square): Square is the dominant SMB card-accepting processor and POS hardware provider, competing head-to-head with Hybrid Payments for retail and hospitality merchants on price transparency and integrated hardware/software.
- Host Merchant Services: Host Merchant Services is an SMB-focused ISO providing card processing, gateway, and merchant funding — closely overlapping Hybrid Payments' three-product bundle.
- Stripe: Stripe provides merchant acquiring and gateway services via APIs and hosted checkout; it competes with Hybrid Payments for SMB and mid-market merchants who need online + in-store payment processing.
- Stax by Fattmerchant: Stax offers subscription-style transparent SMB card processing and gateway services — directly comparable to Hybrid Payments' value proposition of no-surprise pricing and integrated gateway.
- North American Bancard: North American Bancard is a large ISO/agent-centric merchant services provider selling card processing and gateway services to SMBs through a partner channel analogous to Hybrid Payments' model.
Emerging players
- Dharma Merchant Services: Dharma is a smaller SMB ISO with transparent pricing and a focus on retail/restaurant verticals, competing with Hybrid Payments for similar merchant profiles.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Hybrid Payments social profiles
Digital presenceHybrid Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hybrid Payments leadership team
Management profileNumber of profiles
Hybrid Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hybrid Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hybrid Payments
What does Hybrid Payments do?
Hybrid Payments delivers merchant payment processing services through three core products: Card Processing (credit/debit acceptance with transparent, scalable pricing), Business Funding (flexible capital access with next-day approval and zero paperwork), and a PCI-Compliant Payment Gateway (secure online, in-store, and multi-platform transactions). The company also offers vertical-specific payment processing tailored to retail, hospitality, service, government, nonprofit, and healthcare merchants.
Is Hybrid Payments a public or private company?
Hybrid Payments is a private company. It is classified as unknown and is currently operating.
When was Hybrid Payments founded?
Hybrid Payments was founded in 2011. It employs 101 to 250 people.
Where is Hybrid Payments based?
Hybrid Payments is headquartered in Naples, United States, in the North America region.
How does Hybrid Payments make money?
Two revenue lines are on record. Payment Processing Services are the primary driver. The others are business Funding.
Who are Hybrid Payments's main competitors?
PayPal is listed as a broad incumbent. Direct peers are Payment Depot, Clover Network (Fiserv), Heartland Payment Systems (Global Payments), Block (Square), Host Merchant Services, Stripe, Stax by Fattmerchant and North American Bancard. Dharma Merchant Services is listed as an emerging player.
Does Hybrid Payments have an API?
No public API is recorded for Hybrid Payments.
What industry is Hybrid Payments in?
Hybrid Payments's product category is Payment Processing / Merchant Services. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 522320 and its SIC code is 6153.