PayTech

What PayTech does

PayTech is a bootstrapped fintech consulting and advisory firm founded in 2017 and headquartered in Atlanta, Georgia, operating through two arms: PayTech Services, which delivers fractional product leadership and consulting engagements, and PayTech Labs, a platform incubator developing proprietary fintech products. The company is led by founder Corey Glaze, who brings over 25 years of fintech experience spanning more than 40 products, and operates with a small team of 1-10 employees.

PayTech's core offerings include fractional product officer services, payments strategy guidance, KYC/KYB compliance support, Banking-as-a-Service advisory, Bitcoin and Lightning Network integration consulting, mobile payments architecture, and security design incorporating multi-party computation, blockchain, and AI-based components. In January 2025, the company launched Cardless.Cash, a card-free ATM withdrawal product providing access to over 50,000 ATMs across the United States, United Kingdom, and Spain. The company also maintains a multi-year partnership with Tern, a Fintech-as-a-Service platform.

PayTech generates revenue exclusively through professional services engagements. Its customer base comprises fintech startups, enterprises, and entrepreneurs seeking product strategy, regulatory compliance, and technical architecture guidance. Distribution is direct via the company website and through the Tern ecosystem channel. There is no public API, no disclosed patents, no pricing transparency, and no disclosed revenue or funding data.

Name

PayTech

Legal name

PayTech

Website

https://paytech.services

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

PayTech is an Atlanta-based bootstrapped fintech consulting firm providing fractional product leadership, payments strategy, and compliance advisory to fintech startups, enterprises, and entrepreneurs, while also incubating products like Cardless.Cash, a multi-country card-free ATM withdrawal service.

Ownership category

akta.pro rank

Product category

Fintech Consulting & Advisory

SIC

Finance Services (6199)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Fintech consulting services
• Payment advisory
• Fractional product leadership
• Banking-as-a-Service solutions
• Cardless cash payouts

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Consulting and Advisory Services: Professional consulting services including fractional product leadership, strategic payments advice, fintech idea exploration, and end-to-end product requirements gathering
2. Design and Prototyping Services: Product UX/UI design and prototyping services for fintech startups and enterprises, crafting prototypes to visualize and validate fintech concepts
3. Team Management Services: Cross-functional team management services for optimal product development
4. Speaking Engagements: Engaging speakers for industry events, workshops, and conferences

Go-to-market motion3 records

Distribution channels2 records

Marketing channels4 records

Core offering

PayTech is a full-stack, product-led fintech consulting and advisory firm that provides fractional product leadership, strategic payments advisory, end-to-end product requirements gathering, UX/UI prototyping, and team management services to fintech startups and enterprises. Through its PayTech Labs division, the company also develops and incubates proprietary fintech products, including the Cardless.Cash platform for instant, bank-free ATM cash payouts accessible across the US, UK, and Spain.

Product overview

PayTech operates as a dual-entity structure: PayTech Services is the core consulting and advisory firm, while PayTech Labs serves as the platform/incubator division. PayTech Services offers fintech consulting with individual service modules including Digital Identity & KYC/KYB Onboarding, Mobile Payment Solutions, User Security & Digital Privacy Solutions, Account & Card Issuance Programs, Bitcoin/Wallet/Lightning Network Integration, Collect & Disburse Funds, Gift/Loyalty/Rewards Programs, and various fractional offerings (Product Officer, Payments Guidance, Idea Exploration, Requirements Gathering, UX/UI Prototyping, Team Management, Speaking). PayTech Labs is developing a platform for enterprise fintech solutions and launched Cardless.Cash (January 2025), an instant card-free cash payout product accessible at 50,000+ ATMs. The company positions itself as a product-led growth disruptor with 25 years of fintech experience and 40+ product launches.

Differentiator

Problem solved

Functional benefit

Brands

• PayTech Labs: A cutting-edge platform dedicated to developing and deploying revolutionary fintech product solutions for enterprises and their customers, operating as both a platform and fintech product accelerator/incubator
• Cardless.Cash

Products and services

• PayTech Services Full-stack, product-led fintech consulting and advisory offering fractional product officer services, expert payments guidance, end-to-end requirements gathering, UX/UI prototyping, product team management, idea exploration, and speaking engagements for fintech startups and enterprises.
• PayTech Labs Platform and fintech product accelerator/incubator division of PayTech dedicated to developing and deploying revolutionary fintech product solutions for enterprises and their customers, serving as a launchpad for fintech innovations.
• Cardless.Cash Instant, card-free cash payout solution enabling businesses to send cash disbursements accessible at 50,000+ ATMs across the US, UK, and Spain for payroll, gig economy, earned wage access, consumer refunds, insurance payouts, gaming payouts, emergency aid, and P2P transfers. Recipients receive withdrawal codes via SMS or app without requiring bank accounts or cards.

Quantifiable outcome

• Instant cash access at 50,000+ ATMs across US, UK, and Spain
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Partnerships

One partnership is on record.

• Tern (Fintech as a Service)coreTechnology or IntegrationOne of PayTech's significant accomplishments is their long-standing collaboration with Tern's 'Fintech as a Service' Embedded Payments Platform. This collaboration has spanned over five years and has played a pivotal role in unlocking several new recurring revenue streams for scaling fintech startups. PayTech's partner-first approach demonstrates their long-standing commitment to driving innovation and delivering tangible results.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Thought Machine: Thought Machine is a core banking and cloud-native banking platform provider. It overlaps with PayTech's BaaS-adjacent advisory and card issuance expertise, and competes for the same enterprise digital transformation engagements.
• Galileo Financial Technologies (SoFi): Galileo provides payment processing, card issuing, and digital account infrastructure to fintechs and banks. It overlaps directly with the BaaS / card issuance / disbursements modules that PayTech's advisory practice helps clients implement.
• Marqeta: Marqeta is a leading card-issuing and payments processing platform used by fintechs. PayTech consults on account/card issuance and BaaS implementations that often sit on top of infrastructure like Marqeta, making it a direct capability comparator.

Direct peers

• 11:FS: 11:FS is a fintech consultancy and product studio that helps financial institutions and startups build digital banking and payments products. It is the closest direct competitor to PayTech's fractional product leadership and fintech advisory model.
• Modern Treasury: Modern Treasury provides payment operations infrastructure and orchestration APIs used by fintechs and platforms. It is comparable to the disbursements / collections and money-movement expertise that PayTech's consulting arm delivers.
• Tern (Fintech as a Service): Tern is PayTech's longest-standing channel partner (5+ years) and an embedded payments / Fintech-as-a-Service platform. It is directly comparable as both a BaaS-adjacent fintech and as a go-to-market counterpart in the embedded payments space.

Emerging players

• Banked: Banked operates a cardless / account-to-account payment network enabling instant payouts without cards. It is comparable to PayTech's Cardless.Cash product, addressing overlapping use cases such as instant disbursements and P2P transfers.
• Synctera: Synctera is an emerging BaaS platform enabling fintechs to launch banking products. It competes for the same embedded-payments mindshare and client base that PayTech's advisory practice serves.
• Solaris SE: Solaris is a European embedded finance / Banking-as-a-Service platform. It overlaps with PayTech's BaaS and account/card issuance advisory offerings, particularly for European fintech clients.
• Griffin: Griffin is a UK-based Banking-as-a-Service platform. It is a direct functional peer to the embedded payments / BaaS capabilities that PayTech designs and integrates for clients in the UK market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/paytech_fintech
• LinkedInlinkedin.com/company/paytech-services
• Facebookfacebook.com/paytech.products

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 PayTech