Paymentkeys

What Paymentkeys does

PaymentKeys, Inc. is a privately held online payment processing platform headquartered in Arlington, Texas, established circa 2009 and operating as a self-serve product-led growth (PLG) business with no disclosed outside funding and a headcount of 1-10 employees. The company provides businesses with a unified suite of payment tools covering automated recurring billing, online payments via customizable branded payment websites, electronic invoicing, and credit card and ACH/echeck processing, all managed through a Merchant Center administrative dashboard. The platform is differentiated by processor interoperability (supporting any credit card or ACH processor with free integration) and white-label brand customization, with 128-bit SSL encryption as a stated security feature.

The revenue model combines transaction-based and subscription-based streams. Merchants can choose a Connect tier ($120 setup, $20/month, $0.20/transaction) to use PaymentKeys' tools with their existing processor, or a Process tier (free monthly service, interchange + 0.30%, $0.15/credit card transaction, $10/month, $0.55/ACH transaction) where PaymentKeys acts as the processor. A 30-day free trial is offered, and full refunds apply if processor integration is not possible within 30 days of sign-up.

The company serves a horizontal SMB customer base across multiple verticals identified in its marketing: property management, churches and charities, government entities, health and fitness, utilities and energy, and insurance. Distribution is exclusively through direct online channels with no resellers or partner network, and no marketing activity beyond the company website, a blog (paymentkeysblog.blogspot.com), and reference links to NACHA and PCI Security Standards Council. Operating geography is limited to the United States.

Name

Paymentkeys

Legal name

PaymentKeys, Inc.

Website

https://paymentkeys.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

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

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Payment Orchestration Platforms (FSAGABAA)

Keywords

• Online payment processing
• Recurring billing software
• Electronic invoicing platform
• ACH echeck processing
• Merchant payment solutions

Headquarters

HQ city

Arlington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Per-transaction fees charged for credit card and ACH/echeck processing. Credit card transactions incur $0.15 per transaction plus interchange plus 0.30%. ACH transactions incur $0.55 per transaction.
2. Monthly Service Fees: Monthly subscription fees for platform access. Standard tier: $20/month. PaymentKeys-as-processor tier includes free service with credit card processing services.
3. Setup & Integration Fees: One-time setup and processing integration fee of $120, which may be waived for certain tiers or within 30 days of sign-up if integration is not possible.
4. Credit Card Processing Rates: When processing through PaymentKeys, charges are Interchange + 0.30% with a $10 monthly fee. Discount rates vary by processor for merchants connecting their own processor.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

PaymentKeys provides an online payment processing platform that lets businesses accept credit card and ACH/eCheck payments through a customizable, branded payment website. The platform combines electronic invoicing, automated one-time and recurring billing, and processor-agnostic integration with real-time reporting, sold primarily on a monthly subscription plus per-transaction pricing to U.S. small and mid-sized businesses.

Product overview

PaymentKeys is an online payment solutions platform providing a unified suite of payment processing tools for businesses. The core platform consists of integrated modules including Automated Payments for recurring billing, Online Payments for web-based transactions, Electronic Billing for invoicing, and Credit Card/ACH Processing for payment acceptance. The Merchant Center serves as the central administrative hub for configuration, reporting, and transaction management. Payment Consulting services are offered as an add-on to help optimize payment workflows. The platform supports integration with existing credit card and ACH processors and is offered through tiered pricing plans with a free 30-day trial.

Differentiator

Problem solved

Functional benefit

Products and services

• Automated Payments Automated recurring and one-time payment scheduling feature that lets businesses automate collections and bypass traditional paper-based or manual payment methods. Designed for SMBs that need recurring billing for membership dues, rent, services, or subscriptions.
• Online Payments Web-based online payment portal that businesses can embed on their own websites and link from electronic invoices. Supports credit card and eCheck payments and is configurable to match company branding.
• Electronic Billing Electronic invoicing system that delivers invoices digitally to customers, intended to accelerate payment cycles and reduce reliance on paper invoicing and mail delays.
• Credit Card Processing Credit card payment processing service supporting Visa, Mastercard, American Express, and Discover, with configurable processor settings and integration with merchants' existing credit card processors.
• ACH/eCheck Processing Electronic check processing via the ACH network enabling real-time electronic check payments with accelerated access to funds. Priced at $0.55 per ACH transaction on the Process tier.
• Invoicing Electronic invoicing module for creating and sending invoices electronically; the Process tier includes 10 invoices per month free, while the Connect tier provides unlimited invoicing as part of its subscription.
• Merchant Center Administrative web dashboard where merchants configure credit card and ACH processor settings, customize the payment website, run real-time reporting, and search transactions. Functions as the central operating hub for all PaymentKeys merchants.
• Payment Consulting Payment logistics consulting service in which PaymentKeys consultants help businesses identify time, money, and resource savings achievable by adopting PaymentKeys payment tools, including automation of collections workflows.

Quantifiable outcome

• 30-day free trial available to test service
• +1 more outcomes

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• NACHAminorOthersPaymentKeys references nacha.org as a resource link on their website, indicating alignment with ACH network standards and industry compliance. This is a reference/educational linkage rather than formal partnership.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Others

• Stripe Invoicing: Stripe Invoicing is a hosted invoicing and recurring billing product within Stripe that automates electronic bill presentment and ACH/card payment acceptance — a direct functional comparison to PaymentKeys' billing and recurring modules.

Emerging players

• FreshBooks: FreshBooks is an accounting and invoicing platform with built-in online payment acceptance and recurring billing for SMBs — overlapping PaymentKeys on electronic invoicing and payment collection, though with adjacent accounting workflows.

Broad incumbents

• PayPal: PayPal's Payflow Gateway and Braintree handle online credit card and ACH/eCheck transactions with recurring billing and customizable hosted pages — a broad incumbent directly comparable to PaymentKeys' front-end processing model.
• Stripe: Stripe is a global online payment processing platform accepting credit cards and ACH for internet businesses, with developer APIs, recurring billing (Stripe Billing), and invoicing — directly overlapping PaymentKeys' core products but at vastly greater scale.
• Square (Block): Square provides online and in-person payment processing, recurring invoicing, and ACH acceptance for SMBs through Square Invoices and Square Online — serving the same SMB payment acceptance and recurring billing use cases as PaymentKeys.

Direct peers

• Helcim: Helcim provides online payment processing, recurring billing, and invoicing with interchange-plus pricing aimed at SMBs, paralleling PaymentKeys' bundled billing-plus-processing value proposition.
• Authorize.Net: Authorize.Net is a payment gateway supporting credit card and ACH/eCheck transactions with recurring billing and a hosted payment form, serving exactly the SMB and mid-market online-acceptance segment targeted by PaymentKeys.
• Dwolla: Dwolla is an ACH-focused payment platform enabling bank-to-bank transfers, recurring payments, and real-time payments for businesses — comparable to PaymentKeys' ACH/eCheck processing and recurring billing products.
• Stax (Fattmerchant): Stax is a subscription-based payment processor offering interchange-plus pricing with built-in invoicing and recurring billing for SMBs — closely mirroring PaymentKeys' Process tier pricing structure and recurring payments focus.

Regional players

• GoCardless: GoCardless specializes in direct debit and recurring bank-to-bank payments for subscription businesses, primarily in the UK/Europe/Australia — comparable to PaymentKeys on recurring ACH billing but geographically outside the US SMB market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/paymentkeys-inc.

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 Paymentkeys