USPAY Group
USPAY Group is a US-based ISO/MSP payment processor founded in 2005, serving over 20,000 merchants across 200+ industries (healthcare, retail, services) with multi-gateway processing infrastructure and over $1 billion in annual transaction volume, operating under a Pinnacle Bank/Synovus Bank sponsorship.
- Company typePrivate
- Founded2005
- HeadquartersLevittown, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What USPAY Group does
USPAY Group is a US-based payment processor founded in 2005 and headquartered in Levittown, Pennsylvania, operating as a privately held LLC. The company is a registered ISO (Independent Sales Organization) and MSP (Member Service Provider) of Pinnacle Bank (dba Synovus Bank, Columbus GA), which provides the banking sponsorship required to deliver card processing services. USPAY serves more than 20,000 merchants across 200+ industries and reports over $1 billion in annual transaction volume with 99.9% platform uptime, positioning itself as a mid-market payment processor with a 20+ year operating history. Primary verticals are healthcare, retail, and service-based businesses, with named healthcare customers including Medigroup, Premier, and PDM.
The company's technology stack is organized around multiple integrated gateway platforms — HARP, LINK Gateway, USPAY Gateway, and VIMAS — that together support in-person, online, and subscription-based payment flows, along with invoicing, recurring billing, mobile transactions, and a PCI compliance portal. The product line extends to specialized add-ons: HIPAA-compliant healthcare payment integrations, a "No Cost Processing" zero-fee offering, merchant services consulting, and a referral partner program. The architecture appears federated across several gateway front-ends rather than a single unified platform, with the stated technical differentiator being integration interoperability and ease of implementation.
USPAY generates revenue primarily through transaction fees on processed payments, supplemented by professional services (consulting) and affiliate/referral commissions. The go-to-market model is sales-led, with direct enterprise and mid-market field sales, supported by an ISO/MSP banking channel and a referral partner program targeting the SMB segment. Pricing is quote-based and not publicly disclosed, with a hybrid monthly/custom structure and a pay-as-you-go zero-fee tier. Marketing is conducted primarily through the company website, LinkedIn, and Facebook. Despite the reported transaction volume, the company is very small in headcount (1–10), which is unusual for the implied scale and suggests either heavy reliance on technology/automation, outsourced operations, or a materially understated headcount figure.
USPAY Group firmographics
Firmographics- Name
- USPAY Group
- Legal name
- USPAY Group, LLC
- Website
- https://uspaygroup.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- USPAY Group is a US-based ISO/MSP payment processor founded in 2005, serving over 20,000 merchants across 200+ industries (healthcare, retail, services) with multi-gateway processing infrastructure and over $1 billion in annual transaction volume, operating under a Pinnacle Bank/Synovus Bank sponsorship.
- Ownership category
- akta.pro rank
USPAY Group industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK)
Keywords
Where USPAY Group is headquartered
LocationHeadquarters
- HQ city
- Levittown
- HQ country
- United States
- HQ region
- North America
Markets served
USPAY Group 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: Core transaction processing revenue generated from payment transactions. The company processes over $1 billion in transactions yearly across 20k+ merchants, earning transaction fees on each processed payment.
- Healthcare Payment Integrations: Specialized payment processing services for healthcare providers, including secure invoicing, recurring billing, and mobile transactions for medical practices and healthcare facilities.
- Merchant Services Consulting: Consulting services to optimize payment processing, reduce costs, and improve merchant financial performance.
- Referral Partnerships: Revenue generated through referral partner program where partners earn commissions for referring new merchants to USPAY services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | No Cost Processing - Zero-fee payment processing with full compliance |
| Hybrid | Monthly | Custom Solutions tailored to business needs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
USPAY Group product offering
Product offeringCore offering
USPAY Group provides payment processing and merchant services to businesses across 200+ industries, processing over $1 billion in transactions annually for 20,000+ merchants. The company operates as a registered ISO/MSP of Pinnacle Bank (dba Synovus Bank), offering secure in-person, online, and subscription-based payment acceptance through multiple gateway platforms (HARP, LINK Gateway, USPAY Gateway, VIMAS). It also provides specialized healthcare payment integrations, merchant consulting, and a zero-fee 'No Cost Processing' option.
Product overview
USPAY Group offers a unified payment processing platform with multiple integrated gateway systems and specialized services. The core offering is Payment Processing, which handles secure transactions across in-person, online, and subscription-based channels. Supporting the platform are multiple gateway portals (HARP Gateway, LINK Gateway, USPAY Gateway, VIMAS) that provide merchant access and management capabilities. The company also provides specialized add-on modules including Healthcare Payment Integrations for healthcare-specific workflows, Merchant Services Consulting for optimization, No Cost Processing for fee-free transactions, and Referral Partnerships for partner enablement. The platform collectively processes over $1 billion annually across 20,000+ merchants serving 200+ industries with 99.9% uptime.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Processing
- Healthcare Payment Integrations
- Merchant Services Consulting
- No Cost Processing
- Referral Partnerships
- HARP Gateway
- LINK Gateway
- USPAY Gateway
- VIMAS
Quantifiable outcome
- $1 Billion+ in transactions processed yearly
- +3 more outcomes
Companies that use USPAY Group
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles4 records
USPAY Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
USPAY Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Pinnacle Bank (dba Synovus Bank)coreUSPAY Group, LLC is a registered ISO (Independent Sales Organization) and MSP (Member Service Provider) of Pinnacle Bank, a Tennessee bank, doing business as Synovus Bank, Columbus GA. This banking partnership enables USPAY to offer payment processing services with access to banking infrastructure and regulatory compliance support.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
USPAY Group competitors and assessment
Company assessmentDirect peers
- Payment Depot: Payment Depot is a payment processor offering wholesale interchange-plus pricing to SMB merchants, often through ISO and partner channels. It is directly comparable to USPAY in targeting cost-conscious SMB merchants, employing an ISO/partner distribution model, and competing primarily on transparent pricing.
- Helcim: Helcim is a payment processor offering merchant accounts, online and in-person card acceptance, and transparent interchange-plus pricing for SMBs. It is directly comparable to USPAY in core payment processing offering, SMB customer focus, and emphasis on cost-savings positioning.
- Stax: Stax is a subscription-based payment processor targeting SMBs and software-led merchants, often distributed through ISOs and referral partners. It is directly comparable to USPAY in target customer, ISO/partner distribution model, and pricing innovation (e.g., flat-fee rather than interchange-plus).
- Heartland Payment Systems (Global Payments): Heartland, part of Global Payments, is one of the largest US ISO/MSP-style merchant acquirers serving SMB and mid-market merchants. It is directly comparable to USPAY as a payment processor operating through bank sponsorship relationships, with a similar sales-led GTM and broad industry coverage.
- Clover (Fiserv): Clover is Fiserv's SMB-focused POS and payment processing platform, often distributed through ISO and bank partner channels. It is directly comparable to USPAY in serving SMB merchants with card acceptance, POS integration, and software add-ons, though with significantly more proprietary technology and a much larger footprint.
- North American Bancard: North American Bancard is a large US ISO/MSP payment processor and merchant services provider distributing through agent and partner networks. It is directly comparable to USPAY in ISO/agent-led distribution, SMB and mid-market merchant focus, and bank-sponsored acquiring model.
- Dharma Merchant Services: Dharma Merchant Services is an independent payment processor serving SMB and mid-market merchants with transparent interchange-plus pricing. It is directly comparable to USPAY in operating as a non-bank processor relying on bank sponsorship, focusing on cost-savings messaging, and targeting similar merchant segments.
Broad incumbents
- Stripe: Stripe is a leading technology-led payment processor serving online and omnichannel merchants with APIs, gateway, and treasury services. It is broadly comparable to USPAY in core payment processing and merchant services but competes at a much larger scale with proprietary technology and developer-focused positioning.
- Square (Block): Block's Square is a major SMB-focused payment processor and merchant services provider offering POS hardware, software, and processing at scale. It is broadly comparable to USPAY in target customer (SMB merchants) and core service (card acceptance) but operates a fully proprietary technology stack and integrated software ecosystem.
- PayPal (Braintree): PayPal, including Braintree, is a global payment platform offering merchant acquiring, gateway, and checkout services across online and in-person channels. It is broadly comparable to USPAY in core payment processing and merchant services but operates at significantly greater scale with proprietary technology and a global brand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
USPAY Group social profiles
Digital presenceUSPAY Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
USPAY Group leadership team
Management profileNumber of profiles
USPAY Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
USPAY Group 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 USPAY Group
What does USPAY Group do?
USPAY Group provides payment processing and merchant services to businesses across 200+ industries, processing over $1 billion in transactions annually for 20,000+ merchants. The company operates as a registered ISO/MSP of Pinnacle Bank (dba Synovus Bank), offering secure in-person, online, and subscription-based payment acceptance through multiple gateway platforms (HARP, LINK Gateway, USPAY Gateway, VIMAS). It also provides specialized healthcare payment integrations, merchant consulting, and a zero-fee 'No Cost Processing' option.
Is USPAY Group a public or private company?
USPAY Group is a private company. It is classified as unknown and is currently operating.
When was USPAY Group founded?
USPAY Group was founded in 2005. It employs 1 to 10 people.
Where is USPAY Group based?
USPAY Group is headquartered in Levittown, United States, in the North America region.
How does USPAY Group make money?
Four revenue lines are on record. Payment Processing is the primary driver. The others are healthcare Payment Integrations, merchant Services Consulting and referral Partnerships.
Who are USPAY Group's main competitors?
Direct peers on record are Payment Depot, Helcim, Stax, Heartland Payment Systems (Global Payments), Clover (Fiserv), North American Bancard and Dharma Merchant Services. Broad incumbents are Stripe, Square (Block) and PayPal (Braintree).
Does USPAY Group have an API?
No public API is recorded for USPAY Group.
What industry is USPAY Group in?
USPAY Group's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAB, Merchant Acquiring Banks & ISO/MSP Acquirers, with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 6159.