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ACP

Full company profile

uuid002ddzb

Namestring
ACP
Websiteurl
acppays.com
Company typeenum
Private
Founded yearint
2009
Short descriptiontext

ACP is a Bakersfield, California-based private financial services provider, founded in 2009, that delivers credit card processing, payment equipment, merchant cash advances, and payroll services to small and mid-sized merchants through a regional sales model.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
101–250
akta.pro rankint
HeadquartersBakersfield, United States
HQ citystring
Bakersfield
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
credit card processing, merchant cash advance, payment equipment, payroll services, merchant services
Industry3 codes
1Merchant Acquiring & Card Processing (PSPs)
CodeCRAFALABPrimaryYes
2Card-Present Acquirers (Retail & POS Focus)
CodeFSAMABACPrimaryNo
3Merchant & Commercial Acquiring (POS/eCommerce acquiring for corporates)
CodeFSABAIAHPrimaryNo
NAICS code2 codes
  • Financial Transactions Processing, Reserve, and Clearinghouse Activities52232
  • Sales Financing52222
SIC code1 code
  • Short-Term Business Credit Institutions6153
Product category
Merchant Payment Processing Services
Social media profiles1 record
Cost components5 values
Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
GTM typeB2B
B2B
Offering typeServices
Services
Core offering1 text field

ACP provides credit card processing services and payment equipment to merchants. It also offers merchant cash advances as a working-capital financing product and payroll services for small and mid-sized businesses. Together these form an integrated suite of merchant payment and back-office financial services.

Differentiator
Functional benefit
Problem solved
Product and service4 records
1Credit Card Processing
CategoryPayment Processing
Description

Merchant credit card acceptance and transaction processing service for businesses that need to take card payments from customers.

2Payment Equipment
CategoryPayment Hardware
Description

Point-of-sale and payment hardware supplied to merchants to enable card acceptance at the point of sale.

3Merchant Cash Advances
CategoryMerchant Financing
Description

Short-term working-capital financing product for merchants, providing upfront cash against future card sales or business receipts.

4Payroll Services
CategoryPayroll Services
Description

Outsourced payroll administration service for small and mid-sized business clients, handling pay runs, withholdings, and related payroll tasks.

No data
Peers10 records
1Stax by Fattmerchant
TypeDirect peer
Description

Stax (formerly Fattmerchant) is a subscription-based PSP targeting SMB and mid-market merchants. It is a DIRECT_PEER to ACP in the processing and payments-equipment segment.

2Toast
TypeDirect peer
Description

Toast is a vertically-focused payments and POS platform for restaurants that bundles processing, hardware, payroll, and capital. It overlaps ACP's multi-product merchant stack, particularly on the payroll and equipment dimensions.

3National Processing
TypeDirect peer
Description

National Processing is a payments ISO/acquirer focused on SMB merchants with bundled processing and equipment. It is a DIRECT_PEER given similar target customer and product mix.

4CDG Commerce
TypeDirect peer
Description

CDG Commerce is a small-to-mid-market merchant acquirer providing card-present and CNP processing with bundled equipment. It is comparable to ACP on the core processing-plus-equipment offering.

5Block (Square)
TypeDirect peer
Description

Square is the dominant SMB card-present acquirer and integrated payments/payments-software platform. It competes with ACP directly on merchant processing, payment hardware, and small-business capital, and is the most natural DIRECT_PEER given overlapping product scope.

6Payment Depot
TypeDirect peer
Description

Payment Depot is a wholesale-style SMB card processor offering interchange-plus pricing and payment equipment. It competes with ACP on price-led merchant acquiring.

7Clover (Fiserv)
TypeDirect peer
Description

Clover is a leading SMB payments platform combining card-present acquiring with hardware, software, and capital. It directly overlaps ACP's processing-plus-equipment-plus-working-capital offering.

8Dharma Merchant Services
TypeDirect peer
Description

Dharma is an SMB-focused merchant acquirer offering transparent interchange-plus pricing and payment hardware. It is a DIRECT_PEER to ACP on the card-present acquiring business.

9Helcim
TypeDirect peer
Description

Helcim is an SMB-focused merchant acquirer offering card-present and card-not-present processing with interchange-plus pricing. It competes head-to-head with ACP for SMB processing volume.

10PayPal
TypeDirect peer
Description

PayPal provides card processing, POS hardware (Zettle/Venmo), and working capital products to SMBs. It is a DIRECT_PEER to ACP across processing, equipment, and merchant cash advance products.

Market position
Customer concentration

Classification, Details

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

ACP

Merchant Payment Processing Servicesacppays.com

ACP is a Bakersfield, California-based private financial services provider, founded in 2009, that delivers credit card processing, payment equipment, merchant cash advances, and payroll services to small and mid-sized merchants through a regional sales model.

ACP firmographics

Firmographics
Name
ACP
Website
https://acppays.com
Company type
Private
Founded year
2009
Operating status
Operating
Headcount range
101–250 employees
Short description
ACP is a Bakersfield, California-based private financial services provider, founded in 2009, that delivers credit card processing, payment equipment, merchant cash advances, and payroll services to small and mid-sized merchants through a regional sales model.
Ownership category
akta.pro rank

ACP industry classification

Industry
Product category
Merchant Payment Processing Services
NAICS
Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)
SIC
Short-Term Business Credit Institutions (6153)
akta.pro primary industry
Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)
akta.pro secondary industries
Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), Merchant & Commercial Acquiring (POS/eCommerce acquiring for corporates) (FSABAIAH)

Keywords

  • Credit card processing
  • Merchant cash advance
  • Payment equipment
  • Payroll services
  • Merchant services

Where ACP is headquartered

Location

Headquarters

HQ city
Bakersfield
HQ country
United States
HQ region
North America

Markets served

ACP business model

Business model
GTM type
B2B
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

ACP product offering

Product offering

Core offering

ACP provides credit card processing services and payment equipment to merchants. It also offers merchant cash advances as a working-capital financing product and payroll services for small and mid-sized businesses. Together these form an integrated suite of merchant payment and back-office financial services.

Differentiator

Problem solved

Functional benefit

Products and services

  • Credit Card Processing Merchant credit card acceptance and transaction processing service for businesses that need to take card payments from customers.
  • Payment Equipment Point-of-sale and payment hardware supplied to merchants to enable card acceptance at the point of sale.
  • Merchant Cash Advances Short-term working-capital financing product for merchants, providing upfront cash against future card sales or business receipts.
  • Payroll Services Outsourced payroll administration service for small and mid-sized business clients, handling pay runs, withholdings, and related payroll tasks.

Companies that use ACP

Customer profile

Ideal customer profiles1 record

ACP technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

ACP competitors and assessment

Company assessment

Direct peers

  • Stax by Fattmerchant: Stax (formerly Fattmerchant) is a subscription-based PSP targeting SMB and mid-market merchants. It is a DIRECT_PEER to ACP in the processing and payments-equipment segment.
  • Toast: Toast is a vertically-focused payments and POS platform for restaurants that bundles processing, hardware, payroll, and capital. It overlaps ACP's multi-product merchant stack, particularly on the payroll and equipment dimensions.
  • National Processing: National Processing is a payments ISO/acquirer focused on SMB merchants with bundled processing and equipment. It is a DIRECT_PEER given similar target customer and product mix.
  • CDG Commerce: CDG Commerce is a small-to-mid-market merchant acquirer providing card-present and CNP processing with bundled equipment. It is comparable to ACP on the core processing-plus-equipment offering.
  • Block (Square): Square is the dominant SMB card-present acquirer and integrated payments/payments-software platform. It competes with ACP directly on merchant processing, payment hardware, and small-business capital, and is the most natural DIRECT_PEER given overlapping product scope.
  • Payment Depot: Payment Depot is a wholesale-style SMB card processor offering interchange-plus pricing and payment equipment. It competes with ACP on price-led merchant acquiring.
  • Clover (Fiserv): Clover is a leading SMB payments platform combining card-present acquiring with hardware, software, and capital. It directly overlaps ACP's processing-plus-equipment-plus-working-capital offering.
  • Dharma Merchant Services: Dharma is an SMB-focused merchant acquirer offering transparent interchange-plus pricing and payment hardware. It is a DIRECT_PEER to ACP on the card-present acquiring business.
  • Helcim: Helcim is an SMB-focused merchant acquirer offering card-present and card-not-present processing with interchange-plus pricing. It competes head-to-head with ACP for SMB processing volume.
  • PayPal: PayPal provides card processing, POS hardware (Zettle/Venmo), and working capital products to SMBs. It is a DIRECT_PEER to ACP across processing, equipment, and merchant cash advance products.

Market position

Customer concentration

ACP social profiles

Digital presence

ACP financial estimates

Financial estimate

Revenue estimate

Valuation estimate

ACP leadership team

Management profile

Number of profiles

ACP funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

ACP M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ACP

What does ACP do?

ACP provides credit card processing services and payment equipment to merchants. It also offers merchant cash advances as a working-capital financing product and payroll services for small and mid-sized businesses. Together these form an integrated suite of merchant payment and back-office financial services.

Is ACP a public or private company?

ACP is a private company. It is classified as unknown and is currently operating.

When was ACP founded?

ACP was founded in 2009. It employs 101 to 250 people.

Where is ACP based?

ACP is headquartered in Bakersfield, United States, in the North America region.

Who are ACP's main competitors?

Direct peers on record are Stax by Fattmerchant, Toast, National Processing, CDG Commerce, Block (Square), Payment Depot, Clover (Fiserv), Dharma Merchant Services, Helcim and PayPal.

Does ACP have an API?

No public API is recorded for ACP.

What industry is ACP in?

ACP's product category is Merchant Payment Processing Services. Its primary akta.pro industry code is CRAFALAB, Merchant Acquiring & Card Processing (PSPs), with a secondary code of FSAMABAC, Card-Present Acquirers (Retail & POS Focus). Its NAICS code is 52232 and its SIC code is 6153.

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