What Compliant Processing does

Compliant Processing (a dba of Compliance, Inc., legally governed under Arizona law) is a Boulder, Colorado-based merchant services provider and registered MSP/ISO for Elavon Inc., serving small and mid-sized businesses across the United States with integrated credit card processing, QuickBooks accounting integration, and EMV/PCI compliance solutions. The company processes payment volume through Elavon's infrastructure while bundling hardware from third-party OEMs — Ingenico (iCMP/Link 2500i, ICT220/ICT250, Lane 7000/8000), VeriFone (VX520/VX820), Clover (Flex, Station, Mini), and Dejavoo — and provides a proprietary Bluetooth-encrypted mobile POS layer that connects those terminals to Apple and Samsung devices for EMV Chip & PIN, magstripe, and NFC/contactless acceptance.

The product portfolio centers on five pillars: (1) QuickBooks Integration, positioned as the company's pioneering capability that reconciles transactions directly into QuickBooks accounting software; (2) mobile and tablet POS (iCMP and iPad-based Clover Tablet POS) with inventory and employee-management features; (3) EMV compliance hardware with free terminal replacements for non-compliant merchants; (4) the ZERO Flat-Fee Processing bundle — a single monthly fee that eliminates interchange, batch, swipe, and rate-increase charges; and (5) a PCI-DSS compliance and data breach insurance add-on (up to $100,000 RGS coverage). The company also resells Intuit QuickBooks Online, Time, and Payroll products through an Intuit partner shop.

Revenue is generated across multiple streams: transaction-based processing fees, monthly subscription and bundle fees (including the ZERO flat-fee plan), an annual $95 account fee, $0.65/GB data storage overages, $199 non-processing fees for inactive accounts, a $495 early termination fee, $75 equipment restocking fees, and PCI compliance/insurance package subscriptions. Distribution is sales-led and phone-first (877-497-5677) targeting restaurants, retail, contractors, medical practices, professional services, non-profits, and IT firms, augmented by self-serve website content and a co-marketing relationship with Intuit. The company claims thousands of merchants and over $1 billion in aggregate processing volume as of 2016, with no public revenue, headcount, or funding disclosures available.

Name

Compliant Processing

Legal name

Compliant Processing, Inc.

Website

https://compliantprocessing.com

Company type

Private

Operating status

Operating

Short description

Compliant Processing is a Boulder, Colorado-based merchant services provider and registered MSP/ISO for Elavon, offering integrated credit card processing, QuickBooks accounting integration, EMV-compliant hardware, and PCI compliance services to small and mid-sized businesses across the United States.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Payment processing
• Merchant services
• QuickBooks integration
• POS systems
• EMV compliance

Headquarters

HQ city

Boulder

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Monthly Subscription Fees: Monthly fees charged based on a flat rate schedule. Merchants authorize automatic bank account debits for all fees incurred.
2. Annual Account Fee: Annual fee of $95.00 per account charged for PCI compliance administration and account maintenance.
3. Data Storage Overage Fees: Charges of $0.65 per gigabyte for storage used in excess of the allocated package allowance.
4. Credit Card Processing Services: Monthly fees for credit card processing services with transaction-based charges. Includes support for all major card brands, EMV, NFC, and contactless payments.
5. Non-Processing Fee: A $199.00 fee charged if the merchant fails to process any credit cards within 90 days of order delivery, to cover setup costs and overhead.
6. Early Termination Fee: ETF of $495 charged if a merchant terminates any processing agreement prior to the expiration of its term.
7. Equipment Restocking Fee: A $75.00 restocking fee charged for any returned equipment before a refund is issued.
8. ZERO Flat Fee Bundle: One low, flat monthly fee model with zero percent processing, eliminating all transaction fees, interchange fees, batch fees, and swipe fees. Includes EMV chip-ready terminals and PCI compliance.
9. PCI Compliance and Data Insurance Package: Add-on monthly fee package providing PCI compliance certificate, data breach assistance, elimination of non-compliance fees, and up to $100,000 in RGS data breach insurance coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Compliant Processing is a registered MSP/ISO that delivers integrated credit card processing and payment services to merchants, with its core offering centered on QuickBooks-integrated payment processing. The company distributes EMV-compliant terminals, mobile POS (iCMP), tablet POS systems, Apple Pay and Samsung Pay acceptance, the ZERO flat-fee processing bundle, and PCI-DSS compliance and data breach insurance packages, all underwritten through Elavon's payment processing network.

Product overview

Compliant Processing is an integrated credit card processing company offering a comprehensive suite of payment solutions centered around its core merchant services platform. The product portfolio includes QuickBooks Integration (seamless transaction processing within QuickBooks accounting software), iCMP Mobile POS (wireless payment via Link 2500i for Apple and Samsung Pay), Tablet POS (iPad-based retail system with inventory and employee management), EMV Compliance (chip-enabled terminals with loyalty programs), and ZERO Flat Fee Processing (zero percent processing with flat monthly pricing). Add-on services include PCI-DSS Compliance Package (data protection and breach insurance) and various Clover and Dejavoo POS hardware options. The company also offers QuickBooks Online and Payroll products through an Intuit partnership. All services integrate with Apple Pay, Samsung Pay, and Shopify e-commerce, while leveraging Elavon as the underlying payment processor.

Differentiator

Problem solved

Functional benefit

Brands

• ZERO: Zero Percent Processing - a flat fee processing solution that eliminates all credit card processing fees, offering unlimited zero percent transactions for businesses across all industries including restaurants, retail, contractors, medical practices, and non-profits.

Products and services

• QuickBooks Integration Integrated credit card payment processing seamlessly connected to QuickBooks accounting software, allowing merchants to process transactions directly within their QuickBooks customer database and reduce processing costs and accounting time.
• iCMP Mobile POS Mobile POS system (Ingenico Link 2500i) providing wireless payment processing via Bluetooth to Apple or Samsung devices, accepting EMV Chip and PIN, magstripe, and NFC contactless payments including Apple Pay and Samsung Pay.
• Tablet POS iPad-based retail POS system with customizable features including inventory management, employee scheduling, customer relationship management, intelligent reporting, and purchase order generation, supporting in-store, mobile, and e-commerce purchases.
• EMV Compliance EMV chip-enabled payment terminals with global standard security, including free terminal replacement for non-compliant merchants, PED-compliant PIN pads, Quick Payment Service for signature-free transactions, and the Fanfare Gift and Loyalty Program.
• PCI-DSS Compliance Package PCI compliance administration and data breach protection package including compliance certificate, elimination of non-compliance fees, data breach assistance, up to $100,000 RGS data breach insurance coverage, and expert support during breach incidents.
• ZERO Flat Fee Processing Zero percent credit card processing solution with no swipe fees, interchange fees, batch fees, or rate increases, including one low flat monthly fee, EMV chip-ready terminals, 100% PCI compliance, and acceptance of all card brands for any business type.
• QuickBooks Online and Payroll (Intuit Shop) QuickBooks Online (QBO) and Payroll products offered through the Intuit partnership, available in monthly and annual subscription plans including QBO Only, Time Only, and Payroll Only options.

Quantifiable outcome

• Over $1 billion in aggregate processing volume in 2016
• +3 more outcomes

Segments9 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

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

• Intuit QuickBookscoreTechnology or IntegrationCompliant Processing is a QuickBooks Solution Provider and Partner, integrating payment processing with QuickBooks accounting software. They offer free QuickBooks upgrades for merchants on older versions with contract fulfillment. They operate an Intuit Shop and Direct Intuit Support page. Tammy Alexander serves as Senior Partner Development Manager supporting this relationship.
• Elavon Inc.coreTechnology or IntegrationCompliant Processing is a registered MSP/ISO for Elavon Inc., one of the largest payment processors in the US. Elavon provides the underlying payment processing infrastructure for Compliant Processing's merchant services.
• ClovermajorTechnology or IntegrationClover POS hardware (Clover Flex, Clover Station) is offered as part of Compliant Processing's product portfolio. Clover provides the point-of-sale hardware and software platform.
• IngenicomajorTechnology or IntegrationIngenico terminals (ICT220, ICT250, Lane 7000/8000 series) and the iCMP mobile POS reader are offered through Compliant Processing. The iCMP is based on Ingenico's Telium2 payment platform.
• VeriFonemajorTechnology or IntegrationVeriFone terminals (VX520, VX820 pin pad) are included in Compliant Processing's equipment portfolio for EMV-compliant countertop and PIN pad solutions.
• FiservmajorTechnology or IntegrationFiserv is listed as a key partner in Compliant Processing's ecosystem, providing payment processing technology and services.
• Feeding AmericaminorOthersCompliant Processing's philanthropic initiative provides 24,217 meals per month to families struggling with hunger in the United States through Feeding America.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Dharma Merchant Services: Dharma is an independent payment processor and ISO focused on SMBs with transparent, flat-rate pricing — a comparable positioning to Compliant Processing's ZERO flat-fee bundle in similar merchant segments.
• Clover (Fiserv): Clover, a Fiserv-owned POS and merchant services platform, is both a hardware partner of Compliant Processing and a direct competitor offering integrated POS hardware, software, and payment processing to SMBs.
• Toast: Toast is a restaurant-specific integrated POS and payments platform serving SMBs in the food service vertical — a primary target segment for Compliant Processing's ZERO bundle and QuickBooks-integrated offering.
• Lightspeed Commerce: Lightspeed provides cloud-based POS and payments solutions for retail and restaurant SMBs, competing with Compliant Processing's Tablet POS and ZERO processing offerings in similar verticals.
• North American Bancard: North American Bancard is a registered ISO/MSP offering payment processing and POS solutions to SMBs in the US — a closely comparable merchant services competitor with similar ISO economics and SMB targeting.

Broad incumbents

• Stripe: Stripe is a leading integrated payment processor serving SMBs and platforms globally, with expanding in-person payments offerings and software integrations, competing with Compliant Processing for payment processing volume.
• PayPal: PayPal provides payment processing for SMBs both online and in-store via Zettle (hardware) and PayPal Checkout, competing with Compliant Processing's merchant services and POS offerings across similar SMB segments.
• Heartland Payment Systems (Global Payments): Heartland Payment Systems, part of Global Payments, is an established US merchant services and POS provider serving SMBs, competing directly with Compliant Processing's payment processing and EMV/PCI compliance offerings.
• Square (Block): Block's Square is the dominant integrated POS and payment processing platform for SMBs in the US, offering hardware (Square Reader, Square Stand, Square Register) and software that combines payment processing with inventory and accounting workflows — directly competing with Compliant Processing's POS + payments bundle.
• Intuit QuickBooks Payments: Intuit's first-party QuickBooks Payments offering competes directly with Compliant Processing's core QuickBooks-integration differentiation, and represents the most obvious disintermediation risk to Compliant Processing's partner-driven model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Compliantproce1
• Facebookfacebook.com/compliantprocessing

Compliance4 records

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 Compliant Processing