What Payment Visor does

Payment Visor is a privately held payment management consulting firm headquartered in Denver, Colorado, founded by Suzie Riley Bookout, who brings prior experience at JP Morgan-Chase, Worldpay (FIS), First Data (Fiserv), and Intuit. The company positions itself as an advisory and embedded-payments intermediary for ISVs, payment facilitators, eCommerce merchants, and SMB clients, offering a cloud-based payment gateway, PayFac-as-a-Service (in partnership with Tilled), patented TXT2PAY capability (via Authvia), Level III B2B processing, and integrations spanning 175+ shopping carts and 30+ financial institutions. PCI Level 1 vault architecture and HIPAA-compliant authentication for 28 Financial Cores are highlighted as core infrastructure differentiators.

The firm's revenue model blends transaction-based processing fees, revenue-share economics on PayFac-as-a-Service, subscription-based HR/legal services, and referral/affiliate fees on lending, business insurance, payroll, web development, and text-message tools. Distribution is a hybrid of direct SMB sales, an ISV partner program with profit-sharing, and API-first embedded integrations, supplemented by 2025 product expansions including the Pawsitive Payments sister brand for veterinary practices and the VetScribe AI-scribing partnership. Operating geographies are primarily US-domestic, with global distribution enabled indirectly through the Kachyng partnership covering 100 countries.

Operationally, Payment Visor runs with 1-10 employees, a single named executive (the founder), no disclosed external funding, and no parent company. The company has not been granted patents of its own, has no public awards, and relies heavily on third-party technology partners (Tilled, Authvia, Kachyng, VetScribe, White Dog Labs, STX Inspire) for both platform capability and vertical reach, making partner stability a material business risk.

Name

Payment Visor

Legal name

Payment Visor

Website

https://paymentvisor.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Payment Visor is a Denver-based payment management consulting firm that delivers PayFac-as-a-Service, payment processing, and embedded commerce tools to ISVs, eCommerce merchants, B2B/B2G clients, and SMBs via API integrations and a network of technology partners.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

Keywords

• Payment processing services
• Payment facilitation platform
• Merchant services consulting
• Embedded payment solutions
• PayFac-as-a-Service

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing & Transaction Fees: Payment processing fees charged to merchants for card-present, card-not-present, eCommerce, mobile, and digital wallet transactions. Competitive revenue shares with ISV partners turning payment acceptance into a revenue strategy.
2. PayFac-as-a-Service Revenue Share: Software partners capture the lion's share of revenue through PayFac-as-a-Service model. Profit-sharing and incentive programs for ISV partners. Competitive revenue shares turn payment acceptance into a revenue strategy for partners.
3. Web Development Services: Website development services with tiered pricing (Starter $895, Standard $1,850, Professional $2,950). Optional maintenance packages from $49.95/month to $99.95/month. eCommerce integration and shopping cart solutions.
4. HR & Legal Subscription Services: HR counsel subscription services: ASK HR at $149/month, ASK PRO at $249/month. Both require initial 1-year term. Includes employment law advice, document templates, and attorney services.
5. Lending Services: Assists business owners with SBA loans ($250,000-$5,000,000), EIDL reconsideration, contract financing, business lines of credit, commercial real estate financing, equipment financing, and business acquisition financing. Commission-based referrals to lending partners.
6. Business Insurance Services: Offers workers comp, general liability, commercial property, commercial auto, professional, cyber, business interruption, E&O, and group health insurance products through carrier partnerships.
7. Payroll & HR Services: Traditional and internet payroll services with dedicated US-based representatives. Payroll tax services, time & attendance integration, worker's comp payment service, employee benefits administration, and 401K/retirement plan management.
8. Text Message Tools: Text-to-Pay and text message marketing services. Opt-in text messaging for promotions, Text-to-Give for nonprofits, and two-way text messaging for customer communication.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Payment Visor is a payment management consulting firm that provides payment processing, PayFac-as-a-Service, and a comprehensive ecosystem of merchant services (payroll, HR, lending, business insurance, web development, and text-based payment tools) to SMB merchants, ISVs, eCommerce businesses, and B2B/B2G clients. The firm delivers advisory services, technology enablement, and revenue-sharing partnerships to help software vendors monetize payments without becoming a payment facilitator themselves.

Product overview

Payment Visor operates as a unified payment management platform offering a comprehensive ecosystem of payment solutions and embedded business services. The core Payment Visor Platform provides end-to-end payment processing with a cloud-based gateway supporting card present, card not present, eCommerce, and mobile transactions. The platform integrates specialized modules including the ISV Partner Program for software vendors, PayFac-as-a-Service for payment facilitation, and dedicated merchant service modules for Payments, Payroll & HR, Lending, Business Insurance, Web Development, and Text Message Tools. For specialized verticals, the subsidiary Pawsitive Payments serves veterinary practices. The platform extends into alternative payments through cryptocurrency acceptance and Web3 solutions, with a partnership network providing TXT2PAY technology, veterinary AI scribing (VetScribe), and comprehensive HR & legal compliance tools. All offerings are designed to work as an integrated ecosystem rather than standalone products, with the core value proposition being simplified implementation and customized payment flows that grow with business needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments (Payment Processing) Core payment processing solutions including card-present and card-not-present acceptance, eCommerce, mobile, e-wallet, zero cost processing, high-risk merchant solutions (CBD, crypto, gaming, NFT), text-to-pay, EMV/NFC, point of sale, software/payment gateways, and B2B/B2G Level III processing for merchants.
• PayFac-as-a-Service Platform enabling software providers to become payment facilitators without the liabilities and operational overhead of operating as a PayFac, with developer-friendly APIs, instant onboarding, custom pricing models, revenue sharing, and flexible billing with split funding.
• ISV Partner Program Best-in-class partner program for independent software vendors offering plug-n-play connectors, multi-faceted digital platforms, profit-sharing and incentive programs, simplified implementation, and accelerated time-to-market for software vendors integrating payment acceptance.
• Payment Gateway Cloud-based payment gateway supporting card-present, card-not-present, eCommerce, and mobile solutions with virtual terminal, recurring billing, fraud protection, EMV/tokenization, account updater, electronic invoicing, and Level III rebates for B2B/B2G transactions.
• Payroll & HR Services Comprehensive payroll services including traditional and internet payroll, payroll tax services, HR advisory, time and attendance tracking, workers comp payment service, employee benefits administration, and 401(k)/retirement plan management for SMB merchants.
• Lending Services Business lending referral services including SBA loans ($250,000-$5,000,000), EIDL reconsideration, contract financing, business lines of credit, commercial real estate financing, short-term working capital, equipment financing/sale-leasebacks, and business acquisition financing.
• Business Insurance Business insurance offerings including workers compensation, general liability, commercial property, commercial auto, professional liability, cyber insurance, business interruption, errors and omissions, directors and officers, product liability, and group health insurance through carrier partnerships.
• Web Development Professional web development services with tiered pricing: Starter ($895), Standard ($1,850), Professional ($2,950), including design, full website development, shopping carts, payment gateway integration, SSL encryption, malware scanning, and optional maintenance packages from $49.95/month.
• Text Message Tools Text message marketing and payment solutions including opt-in text messaging for promotions, text-to-pay with automated recurring payments, text-to-give for nonprofits, and two-way text messaging for customer communication.
• HR & Legal Solutions (MyHRcounsel) MyHRcounsel online portal providing 24/7 access to employment attorneys, legal forms, employee handbook templates, and compliance resources covering ACA, ADA, FLSA, FMLA, harassment training, and termination procedures. Subscription tiers: ASK HR ($149/month) and ASK PRO ($249/month), both requiring a 1-year initial term.
• Cryptocurrency Payments Digital currency payment acceptance enabling businesses to accept cryptocurrency and bank transfers as one-click experiences, supporting global growth with internet-speed transactions and reduced fees compared to traditional payment systems.
• Web3 Platform No-code platform enabling brands to implement Web3 solutions including NFTs and blockchain-based offerings to drive customer engagement and enhance the customer journey, accessible to businesses unfamiliar with Web3 technology.
• Pawsitive Payments Sister company of Payment Visor focused exclusively on veterinary practices, offering compassionate client experiences with Text-to-Pay and seamless checkout, operational efficiency for veterinary teams, financial savings, and community commitment through donations to Not One More Vet (NOMV).
• TXT2PAY Patented text-based payment technology (offered via Authvia partnership) enabling secure, branded payment requests via text, email, or RCS with one-tap payment in seconds, no logins or apps required, lowering PCI scope, fraud exposure, and operational overhead.
• Business Tax Credits Identification and maximization of available state and federal tax credits including ERC Tax Credits, Work Opportunity Tax Credits, and Research & Development Tax Credits for businesses of all types and sizes.

Quantifiable outcome

• Eliminates virtually ALL credit card processing costs through Zero Cost Processing programs for face-to-face, mobile, contactless, and EMV transactions.
• +2 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature10 records

Partnerships

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

• Pawsitive PaymentsflagshipStrategic or Co-development Partner · 1 January 2025Pawsitive Payments is a sister company of Payment Visor focused exclusively on veterinary practices. It offers compassionate client experiences with Text-to-Pay and seamless checkout, operational efficiency for veterinary teams, and financial savings that reinvest into clinic growth. The company commits to community through donations to Not One More Vet (NOMV).
• TilledcoreTechnology or IntegrationPayment Visor has partnered with Tilled to offer PayFac-as-a-Service, making it simple for B2B software partners to integrate and monetize the payment acceptance process. Software partners can reap the benefits of becoming a PayFac without becoming a PayFac themselves, all while capturing the lion's share of the revenue. Tilled provides the underlying PayFac infrastructure.
• Authvia (TXT2PAY)coreTechnology or IntegrationIn partnership with Authvia, Payment Visor offers TXT2PAY technology transforming the payment experience. Customers can send secure, branded payment requests by text, email, or RCS. Customers tap once and pay in seconds with no logins or apps required. The patented platform eliminates the need for agents to handle payment data, lowering PCI scope, fraud exposure, and operational overhead.
• KachyngcoreTechnology or IntegrationKachyng is the first full stack payment gateway providing merchant account handling and complete payment infrastructure. They create product pages, orders, shopping cart, and shoppable ads. For eCommerce and retail, they enable one-click checkout directly from ads. Supports 100 countries and processors with omni-channel commerce capabilities including in-store, site, app, Facebook, Instagram, Twitter, banner-ad, email, WhatsApp, YouTube, SMS, print, voice, and TV ad payments.
• VetScribeminorStrategic or Co-development PartnerVetScribe is an affordable, customizable AI scribing solution built specifically for veterinary practices. Payment Visor partnered with VetScribe to help practices automate patient recordkeeping, customize scribing tools to match clinic workflows, reduce after-hours paperwork, and reclaim valuable minutes in consultations for patient care.
• White Dog LabsminorGTM or Marketing PartnerWhite Dog Labs provides marketing support tailored to veterinary practices. They help improve online visibility for local pet owners, refresh outdated websites, build retention campaigns for follow-up care, and conduct Practice Digital Wellness Exams for payments and marketing audits.
• FNP CaresminorGTM or Marketing PartnerFNP Cares provides fundraising solutions for nonprofit organizations. Through Pawsitive Payments, every transaction directs real dollars to nonprofit partners strengthening the profession, particularly Not One More Vet (NOMV) for veterinary community wellbeing.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Tilled: PayFac-as-a-Service platform enabling ISVs and software platforms to embed payments and earn revenue share. Direct overlap with Payment Visor's PayFac-as-a-Service offering, where Tilled is also a technology partner.
• Authvia: Provider of patented TXT2PAY text-based payment technology used by Payment Visor through partnership. Comparable in text-to-pay capability and adjacent in the broader digital payment acceptance space.

Direct peers

• Helcim: Direct payment processor and merchant services provider offering transparent pricing, virtual terminal, recurring billing, and B2B-focused features. Competes with Payment Visor in the SMB and B2B payment facilitation space.
• Payment Depot: Interchange-plus payment processor targeting SMBs with a wholesale-style pricing model and partner/ISO program. Comparable to Payment Visor's ISO/MSP-style model serving SMBs and software partners.
• Dharma Merchant Services: Independent payment processor and merchant services provider with strong B2B and high-risk focus. Comparable to Payment Visor's B2B/B2G Level III processing and complex verticals specialization.
• National Processing: Payment processing and merchant services provider offering card-present, card-not-present, high-risk, and integrated solutions to SMBs. Comparable to Payment Visor's bundled payments and vertical focus.
• Stax (formerly Fattmerchant): Subscription-based payment processor and merchant services provider targeting SMBs with interchange-plus pricing. Closely comparable to Payment Visor's integrated SMB payment processing plus adjacent business services model.

Broad incumbents

• Stripe: Global payment platform serving online businesses and ISV/platform integrations with extensive API suite. Represents the dominant incumbent in the broader integrated payments and embedded payments market Payment Visor addresses.
• Clover (Fiserv): POS and business management platform from Fiserv targeting SMBs with integrated payments, payroll, and merchant services. Comparable bundled offering to Payment Visor with much broader scale and distribution.
• Square (Block): Full-stack payment processor and merchant services platform for SMBs with hardware, software, and adjacent services. Overlaps with Payment Visor's bundled SMB payment and business services positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/paymentvisor
• LinkedInlinkedin.com/company/payment-visor
• Facebookfacebook.com/paymentvisor

Compliance1 record

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 Payment Visor