Future Payments

What Future Payments does

Future Payments is a US payment processing firm founded in 2024 by Shay Horseman and Brad Hollar, now operating as the Nashville regional office of Evolv following its 2024 merger. The company delivers a full suite of merchant payment solutions, including ACH and check processing, online payments, contactless terminals, mobile payment acceptance, point-of-sale systems, eCommerce integrations, high-risk processing, gift and loyalty programs, and a practice management bridge for professional service firms. Its technology is anchored in multi-processor access through parent Evolv's ISO relationships with Citizens Bank, PNC Bank, and Fifth Third Bank, plus three large US payment processors, allowing it to route transactions across providers rather than depend on a single backend. Native integrations with QuickBooks Online, Xero, FreshBooks, Sage, and NetSuite allow merchants to reconcile payment data directly into their accounting systems.

The company serves businesses ranging from single-location SMBs to multi-location enterprises across more than ten verticals, including automotive, beauty, restaurants, retail, healthcare, legal, contractors, government and water systems, outfitters, and professional services. Pricing is quote-based and not publicly disclosed, and the revenue model is transaction-fee based on merchant processing volume. Go-to-market is sales-led via a dedicated agent team across the United States, supplemented by channel partnerships with bar associations, financial institutions, co-op programs, and government/municipal entities.

Future Payments is small (1-10 employees) and operates without disclosed revenue figures. Its strategic differentiation rests on the Evolv parent platform's bank ISO registrations, multi-processor routing capability, and accounting software integrations rather than proprietary technology. The company's marketing describes having achieved in eight months what many payments firms take years to accomplish, though this is qualitative and not validated by revenue or transaction volume disclosures in the source material.

Name

Future Payments

Legal name

Future Payments

Website

https://futurepayments.io

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Future Payments, operating as Evolv Nashville, is a US payment processing firm serving SMBs through enterprises across automotive, retail, healthcare, legal, restaurants, and other verticals via multi-processor routing and accounting software integrations.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Payment processing
• Merchant services
• POS systems
• Card acceptance
• High-risk processing

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based payment processing services for merchants including ACH, check solutions, online payments, contactless terminals, mobile solutions, and point-of-sale systems

Go-to-market motion1 record

Core offering

Future Payments provides transaction-based payment processing services and merchant solutions for U.S. businesses of all sizes, leveraging access to multiple major payment processors to accept ACH, checks, online, contactless, mobile, and point-of-sale payments, with native integrations to leading accounting platforms (QuickBooks Online, Xero, Freshbooks, Sage, NetSuite) and specialized support for high-risk merchants. Operating under the Evolv Nashville brand since 2024, it distributes these services through an ISO-registered agent model with Citizens Bank, PNC Bank, and Fifth Third Bank.

Product overview

Future Payments, operating as Evolv Nashville, offers a comprehensive suite of payment processing solutions for businesses of all sizes. The portfolio includes core payment acceptance methods (Online Payments, Point-of-Sale, Contactless Terminals, Mobile Solutions) supplemented by specialized offerings (ACH & Check Solutions, High Risk Processing, Buyer's Choice) and value-added services (Gift + Loyalty, QuickBooks Integration, Practice Management Bridge, Payroll & Bookkeeping, eCommerce + Integrations). The solutions serve multiple industries including automotive, beauty, contractors, government, healthcare, legal, outfitters, professional services, restaurants, and retail. Future Payments operates as a regional office of Evolv, leveraging partnerships with multiple major US payment processors to deliver these solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• ACH & Check Solutions Payment processing solution enabling businesses to accept ACH transfers and check payments for transactions.
• Buyer's Choice Payment solution offering buyers flexible payment options and purchasing methods.
• High Risk Processing Specialized payment processing services for businesses in high-risk industries with elevated chargeback or regulatory requirements.
• Online Payments Digital payment processing solution enabling businesses to accept payments through websites and online transactions.
• Contactless Terminals Point-of-sale hardware solution supporting contactless payment methods including NFC, tap-to-pay, and mobile wallet transactions.
• Mobile Solutions Payment processing capabilities enabling businesses to accept payments via mobile devices for on-the-go or field transactions.
• Point-of-Sale Complete point-of-sale system solution combining hardware and software for in-person payment acceptance and transaction management.
• eCommerce + Integrations Online store payment integration and e-commerce development services connecting businesses with payment processing capabilities.
• Gift + Loyalty Gift card and customer loyalty program solution integrated with payment processing to help businesses retain customers.
• QuickBooks Integration Native integration with QuickBooks accounting software for seamless synchronization of payment data with business financial records.
• Practice Management Bridge Integration solution connecting payment processing with practice management software for professional service businesses.
• Payroll & Bookkeeping Additional financial services solution providing payroll processing and bookkeeping capabilities for business financial management.

Segments12 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered flagship and core.

• EvolvflagshipStrategic or Co-development Partner · 1 January 2024Future Payments joined forces with Evolv in 2024, accelerating growth and broadening capabilities. This merger strengthens Evolv Nashville within the Evolv brand and provides capital and resources to scale faster. Shay Horseman, CEO of Evolv Nashville, describes the partnership as joining something special with the Evolv team.
• Three Largest Payment Processors in the United StatescoreTechnology or IntegrationEvolv is partnered with three of the largest payment processors in the United States, providing Future Payments with access to multiple processing relationships.
• QuickBookscoreTechnology or IntegrationQuickBooks integration for seamless accounting and payment processing synchronization.
• XerocoreTechnology or IntegrationXero accounting software integration for businesses using Xero for bookkeeping.
• NetSuitecoreTechnology or IntegrationNetSuite ERP integration for enterprise-level accounting and business management.
• Citizens Bank, N.A.coreChannel Partner/ Reseller/ DistributorEvolv, Inc. is a registered Independent Sales Organization of Citizens Bank, N.A.
• PNC Bank, N.A.coreChannel Partner/ Reseller/ DistributorEvolv, Inc. is a registered Independent Sales Organization of PNC Bank, N.A.
• Fifth Third Bank, N.A.coreChannel Partner/ Reseller/ DistributorEvolv, Inc. is a registered Independent Sales Organization of Fifth Third Bank, N.A., Cincinnati, OH.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Stripe: Stripe is the dominant integrated payment processor for online and omnichannel merchants. Future Payments' Online Payments and eCommerce + Integrations products compete with Stripe in the same merchant segment, though Stripe serves a larger, more developer-oriented customer base.
• Square (Block): Square provides SMB payment processing, POS hardware, and software (including appointments, payroll, banking) to many of the same verticals Future Payments targets — restaurants, retail, beauty, and professional services. It is a broad incumbent rather than a direct ISO competitor but competes for the same merchant wallet.
• Clover (Fiserv): Clover is Fiserv's SMB-focused POS and payments platform, selling through banks and ISOs (including partner banks like PNC and Citizens — the same sponsors behind Future Payments/Evolv). It is a competing hardware/software bundle in many of Future Payments' target verticals.

Direct peers

• Heartland Payment Systems (Global Payments): Heartland is one of the largest U.S. merchant acquirers and a direct competitor to ISO/channel models like Future Payments, offering payment processing, POS, and payroll to SMB and mid-market merchants nationwide.
• Toast: Toast is a vertically-specialized restaurant payments and POS platform, directly comparable to Future Payments' restaurant vertical offering and emblematic of the kind of vertical-software-plus-payments competitor that ISOs increasingly face.
• Payment Depot: Payment Depot is a U.S. merchant services ISO offering wholesale/interchange-plus pricing to SMBs with a sales-agent GTM, directly comparable to Future Payments' positioning and target customer profile.
• Gravity Payments: Gravity Payments is a closely held U.S. ISO/merchant acquirer providing card processing, POS, and integrated payments to SMBs — a near-identical business model to Future Payments in scale, distribution (agent-led), and product breadth.
• North American Bancard: North American Bancard is a large U.S. ISO/payment processor offering merchant services, POS, and online payments to SMBs — a closely comparable business model to Future Payments as a bank-sponsored ISO with multi-processor relationships.

Emerging players

• Stax by Fattmerchant: Stax is a subscription-based payment processor targeting SMBs and mid-market merchants with transparent pricing, comparable to Future Payments' value proposition around integrated processing, POS, and accounting software connectivity.
• Helcim: Helcim is an emerging SMB-focused payment processor offering interchange-plus pricing, online payments, POS, and invoicing — competing with Future Payments in the SMB and small-enterprise merchant segment with similar breadth of products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/future-payments

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Future Payments