PayItToday

What PayItToday does

PayItToday (PayItToday LLC) is a cash-to-digital payment gateway founded in 2019 and headquartered in Lombard, United States. The company enables billers such as utilities, consumer finance providers, educational institutions, and municipalities to accept cash payments from consumers at 88,000+ participating retail locations nationwide, eliminating the need for billers to operate in-person cash collection infrastructure. End consumers receive a digital cash code via Email, SMS, Mobile Wallet, or Download, present it at a participating retailer (including Dollar General, Kroger, CVS, Walgreens, 7-Eleven, Walmart, H-E-B, and others), and pay in cash; the payment is confirmed in real time and reconciled to the biller.

The platform is built on a REST API with WebSocket support for instant payment notifications, real-time transaction recognition through the PayItSafe gateway, and custom integration services that synchronize transactions to CRM and ERP systems with reconciled reporting and automated receipt delivery. A developer portal with OpenAPI specification and interactive endpoint testing supports external integrators. The PayItSafe framework layers encryption, scoped access controls, and auditable permission changes across the payment lifecycle.

PayItToday monetizes via per-transaction fees on cash payments (example: $3.50 on a $142.50 payment, roughly a 2.4% take rate) and through enterprise API/integration services with undisclosed pricing. The go-to-market is dual: an API-first enterprise sales motion targeting billers, and a consumer-facing retail-network motion where end users complete payment at participating stores. The company is privately held, has no disclosed funding rounds, and reports no management team or headcount in the public record.

Name

PayItToday

Legal name

PayItToday LLC

Website

https://payittoday.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

PayItToday is an API-first cash-to-digital payment gateway enabling billers such as utilities, consumer finance providers, and municipalities to accept cash payments from consumers at 88,000+ retail locations nationwide via REST API integration.

Ownership category

akta.pro rank

Product category

Cash Bill Payment Processing

NAICS

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

akta.pro primary industry

Agent-Assisted / Retail Bill Payment Networks (FSAMAJAD)

akta.pro secondary industries

Biller Direct EBPP Platforms (FSAMAJAA), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Cash bill payment network
• Cash-to-digital payments
• Retail cash acceptance
• Payment API integration
• Unbanked bill payment

Headquarters

HQ city

Lombard

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Per-transaction fees charged on cash payments processed through the retail network. Example from payment receipt shows $3.50 fee on $142.50 payment. Fees may vary based on participating businesses, networks, retailers, and service workflows.
2. API Platform and Integration Services: Custom integration delivery and API platform access for enterprises, with options ranging from API self-service to full-service custom development or hybrid approaches.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels4 records

Core offering

PayItToday operates a cash-to-digital payment gateway that lets consumers settle bills with cash at more than 88,000 participating retail locations nationwide. For businesses and billers (utilities, consumer finance, education, municipalities), it provides an API-first integration platform with REST endpoints, real-time payment notifications via WebSocket, CRM/ERP reconciliation, and custom integration build-outs.

Product overview

PayItToday operates as a unified cash-to-digital payment platform consisting of a core gateway product (PayItToday Platform) enabling cash bill payments at 88,000+ retail locations, paired with the PayItSafe security framework embedded across all operations. The Consumer Bill Pay module serves end customers via cash code delivery through multiple channels (Email, SMS, Mobile Wallet, Download) with instant digital receipts. The Business Integrations module provides API-first connectivity for enterprise billers (utilities, consumer finance, education, municipalities) with custom CRM/ERP synchronization capabilities. The Developer Portal (API Docs) supports external developers with OpenAPI documentation and interactive endpoint testing. PayItToday is not a modular platform with add-ons but rather an integrated suite where the core gateway, security framework, consumer delivery, and enterprise integration capabilities work together as a cohesive service.

Differentiator

Problem solved

Functional benefit

Products and services

• PayItToday Platform Core cash-to-digital payment gateway that enables customers to pay bills with cash at 88,000+ retail locations nationwide, with real-time processing, cash code generation, and instant settlement under the PayItSafe security framework. Targeted at billers and the cash-paying customers they serve.
• Customer Bill Pay Consumer-facing cash bill payment service. Customers receive a cash code via Email, SMS, Mobile Wallet, or Download, present it at a participating retail location to pay in cash, and receive an instant digital receipt. Designed for unbanked or cash-preferred individuals paying utility, telecom, finance, municipal, and other bills.
• Business Integrations API-first integration product for enterprise billers that connects their billing platforms to PayItToday's physical cash payment network. Includes transaction sync to CRM, real-time status tracking, reconciled reporting to ERP, and automated receipt delivery. Available as self-service API, full custom build, or hybrid. Targets utilities, consumer finance, education, and municipalities.
• Developer Portal Interactive API documentation portal providing OpenAPI reference, browser-based endpoint testing, and downloadable OpenAPI specification for developers building integrations with the PayItToday payment platform.

Quantifiable outcome

• 88,000+ retail payment endpoints across the United States
• +2 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core and major.

• Dollar GeneralcoreChannel Partner/ Reseller/ DistributorMajor retail chain partner in PayItToday cash payment network. Customers can pay cash bills at Dollar General locations nationwide.
• Family DollarcoreChannel Partner/ Reseller/ DistributorRetail chain partner enabling cash bill payments at Family Dollar locations across the United States.
• KrogercoreChannel Partner/ Reseller/ DistributorMajor grocery and retail chain partner in the PayItToday payment network for cash bill payment acceptance.
• CVS PharmacycoreChannel Partner/ Reseller/ DistributorPharmacy retail partner enabling cash payments for bills at CVS locations nationwide.
• WalgreenscoreChannel Partner/ Reseller/ DistributorMajor pharmacy and retail chain partner in the PayItToday cash payment network.
• 7-ElevencoreChannel Partner/ Reseller/ DistributorConvenience store partner enabling 24/7 cash bill payment options at 7-Eleven locations.
• Circle KcoreChannel Partner/ Reseller/ DistributorConvenience store chain partner in the PayItToday retail payment network.
• Pilot/Flying JmajorChannel Partner/ Reseller/ DistributorTravel center partner enabling cash payments at Pilot and Flying J locations along major travel corridors.
• SpeedwaymajorChannel Partner/ Reseller/ DistributorConvenience store chain partner (now merged with 7-Eleven) in the PayItToday cash payment network.
• StripesmajorChannel Partner/ Reseller/ DistributorConvenience store chain partner enabling cash bill payments at Stripes locations.
• WalmartcoreChannel Partner/ Reseller/ DistributorMajor retailer partner where cash payments can be made at Service Desk or Money Center locations.
• Sheetz IncorpmajorChannel Partner/ Reseller/ DistributorConvenience store chain partner in the PayItToday cash payment network.
• Royal FarmsmajorChannel Partner/ Reseller/ DistributorConvenience store and fuel retailer partner enabling cash payments at Royal Farms locations.
• H-E-BmajorChannel Partner/ Reseller/ DistributorTexas-based grocery chain partner in the PayItToday retail payment network.
• ShellmajorChannel Partner/ Reseller/ DistributorFuel retailer partner enabling cash bill payments at Shell locations.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• BlackHawk Network: BlackHawk operates a large US retail payment network distributing gift cards, prepaid, and bill-payment products through major retailers. It competes head-to-head with PayItToday for retailer bill-payment shelf space and biller integration contracts.
• PayNearMe: PayNearMe is a direct competitor operating nearly identically: an agent-assisted retail cash bill payment network serving utilities, municipalities, and consumer finance via barcode-based cash codes at thousands of US retailers. It is the closest one-to-one functional analogue to PayItToday's platform.
• InComm Payments: InComm Payments runs a retail-based prepaid, gift, and bill-payment distribution network at tens of thousands of US convenience and grocery locations. It is a direct retail-channel competitor for cash bill payments and a likely partner-or-rival for PayItToday's enterprise biller integrations.

Broad incumbents

• MoneyGram: MoneyGram operates a global retail agent network for cash bill payments and money transfers and is a much larger incumbent with established biller relationships. It overlaps with PayItToday on agent-assisted cash bill pay but operates across more geographies and product lines.
• Green Dot Corporation: Green Dot powers reloadable prepaid debit products and cash-reload services through retailers like Walmart and CVS. While its model is card-led rather than barcode-driven, it directly competes for retailer cash-acceptance real estate targeting unbanked and underbanked consumers.
• Western Union: Western Union's US retail bill-payment service uses a national agent footprint to accept cash for utility, credit card, and other bill payments. It is a broader incumbent competitor with deeper brand recognition and biller relationships than PayItToday.
• ACI Worldwide: ACI Worldwide provides real-time electronic payment processing software to billers, banks, and processors, including EBPP. It overlaps with PayItToday's API-first enterprise integration ambition as a much larger, publicly-traded incumbent in payment orchestration.
• Fiserv (Biller Solutions / CheckFree): Fiserv's biller solutions and CheckFree platform dominate electronic bill presentment and payment for large US utilities and financial institutions. It is a larger incumbent that PayItToday increasingly must displace at the same enterprise billers via differentiated cash-channel capability.

Emerging players

• Dwolla: Dwolla is an ACH-focused payment API used by fintechs and platforms for bank-to-bank transfers. While it does not cover the retail cash leg, it overlaps with PayItToday at the enterprise integration and biller connectivity layer for digital payment acceptance.
• PayRange: PayRange operates a retail-mobile payment network at unattended retail points of sale. It is a smaller, emerging retail-payment network with similar API-and-retail-channel mechanics to PayItToday, though focused on different verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/payittoday-llc

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 PayItToday