FINA Payment

What FINA Payment does

FINA Payment (legal entity: FINA INC) is an employee-owned payment processing and business solutions company founded in 2019 and headquartered in San Diego, California. The company operates as a registered Independent Sales Organization (ISO) of Esquire Bank and Woodforest National Bank, underwriting merchant credit card processing across in-store, mobile, online, phone, and ACH/wire channels. Its core platform combines a multi-rail payment acceptance product suite — credit card processing, online and mobile payments, billing and invoicing, ACH, wire, pay-by-phone, auto-attendant, and operator/help-desk payments — with an integrated point-of-sale offering spanning Clover, Poynt, NCR, Talech, and Apriva hardware, and payroll, capital/lending, and customer-engagement (loyalty, gift card, white-label credit card) adjacencies.

The underlying technology is an integration-centric stack rather than a proprietary processing engine: FINA embeds payment processing into QuickBooks, Xero, Sage/Intacct, and Oracle NetSuite accounting workflows, offers white-label portals to ISV partners, and delivers its solutions through a partner ecosystem of POS providers, VARs, and software developers. The company serves a deliberately diversified vertical mix including retail and restaurants, B2B, B2G (government), medical/dental, rental, education, gaming/CBD (high-risk underwriting), and warehouse-to-business (W2B) — with an explicit focus on the middle and small end of the market underserved by big-box processors. Certifications include VISA and MasterCard PCI security compliance, and Apriva carries DoD-level accreditation for classified information handling.

FINA's business model blends transaction-fee revenue from core payment processing with subscription/managed-services revenue from payroll and capital/lending, one-time license revenue from QuickBooks/Xero software resale, and hardware sales from POS deployments. GTM is sales-led and partner-led: direct product representatives handle quote-based pricing (no public pricing disclosure), supplemented by agent partners, independent partners, VARs, and an ISV partner program. Marketing is relationship-driven through phone outreach and a website/ecommerce storefront rather than digital advertising, consistent with its SMB and mid-market positioning and 'We the Merchant' merchant-empowerment branding.

Name

FINA Payment

Legal name

FINA INC

Website

https://finapayment.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

FINA Payment is an employee-owned U.S. payment processor and ISO (Esquire Bank, Woodforest National Bank) offering credit card processing, POS systems, billing/ACH/wire, payroll, and capital/lending to SMB and mid-market merchants across retail, B2B, B2G, medical, rental, gaming, and education verticals.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Payment Processing & Acquiring Infrastructure (FSAGABAC), A2A Bill Pay & eInvoicing (Open Banking Enabled) (FSAMAFAL)

Keywords

• Payment processing services
• Merchant card processing
• POS system solutions
• ACH payment software
• Payroll processing services

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Credit card processing fees charged to merchants for transaction processing, including in-store, mobile, online, and various payment acceptance outlets. Services cover merchant processing with quality transmission, process, and settlements.
2. Capital & Lending: Business lending services providing cash flow for inventory, equipment purchases (office, warehouse, kitchen), bulk purchasing, and business growth services.
3. Payroll Services: Payroll processing services including time clock systems, multi-department payroll, and integrations with QuickBooks and Xero.
4. Accounting Software Resale: Resale of QuickBooks and Xero accounting software products through their e-commerce platform, including QuickBooks Enterprise, Pro, Premier, Online, Payments, Payroll, Point of Sale, and Intuit Field Service.
5. POS Hardware and Software: Sale and support of Point of Sale systems including terminals, hardware, and industry-specific software solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

FINA Payment is an employee-owned payment processing company that provides merchant credit card processing, ACH/wire transfers, online and mobile payment acceptance, POS systems, billing and invoicing automation, payroll services, and capital/lending solutions. They operate as a registered ISO of Esquire Bank and Woodforest National Bank, offering integrated payment technology with multi-location reporting and vertical-specific solutions for retail, B2B, B2G, medical, rental, and high-risk merchants.

Product overview

FINA Payment is a payment processing and business solutions company offering an integrated platform of payment acceptance, point-of-sale systems, and financial management tools. The core portfolio consists of Credit Card Processing, Online Payments, Mobile Payments, Billing Payments, Invoicing Payments, ACH Software, Wire Payments, and various specialized payment solutions (Pay by Phone, Auto Attendant, Help Desk, Operator, Education, Property, Rental, and Membership Payments). The platform includes Point of Sale (POS) Systems supporting Clover, Poynt, NCR, Talech, and Apriva hardware. Financial management is handled through Payroll Services, Capital & Lending, and Customer Engagement Suite (Loyalty Cards, Gift Cards, White Label Credit Cards, Marketing Apps). The ISV Solutions program enables software vendors to integrate payment capabilities. QuickBooks and Xero accounting product integrations provide sync with popular bookkeeping platforms. The company operates as an employee-owned organization with over 100 years of combined experience in merchant and payroll services.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing End-to-end merchant credit card processing services for in-store, mobile, and online payment acceptance, including transmission, settlement, and multi-location corporate and terminal-level reporting.
• Online Payments Online payment acceptance platform enabling businesses to process Visa, MC, Amex, and Discover transactions via integrated software, with support for eCommerce, charitable donations, and walk-in shop integration.
• Mobile Payments EMV-ready wireless payment solutions for delivery, kiosks, food trucks, fairs, and outdoor events, supporting chip, swipe, and key-in credit card processing via mobile application.
• Billing Payments Back-office financial operations automation with accounts payable and receivable management, integrating with QuickBooks, Xero, Sage/Intacct, and Oracle NetSuite to reduce AP time and accelerate collections.
• Invoicing Payments Electronic invoice payment system supporting global payments in 120 currencies with customized business plans and efficient payables automation.
• ACH Software Electronic bank transfer software for customer collections, direct deposit, vendor payments, and government agency payments, with QuickBooks integration as a cost-efficient alternative to wire transfers.
• Wire Payments National and international wire payment services with lower fees than banks, multi-financial resources, credit card payment options, scheduled due dates, and payment approval workflows.
• Pay by Phone Mobile payment software enabling credit card processing via free portal or application over the phone for traveling or out-of-office scenarios.
• Auto Attendant Payments Automated phone payment system that routes customers through credit and debit card payment processing without live personnel, handling late payments, recurring payments, and card updates.
• Help Desk Payments Multi-call-center payment software enabling customer support to process credit card payments with multi-location, multi-state, and multi-national capabilities.
• Operator Payments Live phone payment center for taking credit card payments over the phone, supporting salesperson payment transfers and multiple payment outlets including credit card and ACH.
• Education Billing Payment system for education facilities supporting tuition, library, boarding, security access, and student funds administration with multi-department reporting and accounting integration.
• Property Payments Property management payment collection system for apartments, boat docks, storage, equipment, dumpsters, and tent rentals with multiple payment choices.
• Rental Payments Specialized rental industry payment software with expandable payment types, multi-payment collection options, and a rental administration system that grows with the business.
• Membership Payments Automated membership payment collection with automatic dues collection, member reinstatement, card renewal, and multiple payment streams; VISA and MC PCI certified.
• Point of Sale (POS) Systems Complete POS systems combining hardware and software with Clover, Poynt, NCR, Talech, and Apriva POS integrations, offering industry-specific software options and expansion capabilities.
• Payroll Services Payroll processing services with per-employee and multi-department support, including time clock by computer, terminal, and cell phone, plus multi-reports and QuickBooks/Xero integration.
• Capital & Lending Business capital and lending solutions including Small Business Lending (SBL) and cash-for-invoices for inventory increase, bulk purchasing, and equipment acquisition, with guided walk-through from documentation to fund delivery.
• Customer Engagement Suite Customer retention tools including Loyalty Cards, Gift Cards, White Label Credit Cards, Cell Phone Apps, and Marketing Apps for customer engagement and revenue stream expansion.
• ISV Solutions Independent Software Vendor integration program offering advanced payment technology, an ISV partner growth program, and a white-label customer portal for software expansion.

Quantifiable outcome

• Wipe Out 80% of Pay by Phone Workload
• +2 more outcomes

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• QuickBookscoreTechnology or IntegrationIntegration partnership for QuickBooks accounting software payment processing. Services include ACH file creation, credit card payment links on email invoices, and integration plugins. Supported products include QuickBooks Enterprise, Pro, Premier, Online, Payments, Payroll, Point of Sale, and Intuit Field Service.
• XerocoreTechnology or IntegrationIntegration partnership for Xero accounting software payment processing. Payment integration for Xero software with tiered plans: Early, Growing, and Establish. ACH capabilities and invoice payment links included.
• AprivacoreTechnology or IntegrationPOS technology partnership offering AprivaPay solutions including Virtual Terminal, Register, Storefront, Mobile, Online Payments, and Self-Service options. Accredited by Department of Defense for classified information handling. Level 1 technical support available 24/7/365 from Scottsdale, Arizona.
• Clover POScoreTechnology or IntegrationClover POS integration providing point-of-sale solutions with online presence building capabilities and credit card processing.
• Esquire BankcoreOthersFINA INC is a registered ISO (Independent Sales Organization) of Esquire Bank, a federally chartered bank located in Jericho, New York.
• Woodforest National BankcoreOthersFina Payment Complete Business Systems is a registered ISO of Woodforest National Bank, Houston, TX.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Toast: Toast is a vertical-focused POS + payments provider for restaurants. FINA explicitly targets restaurants as a primary segment, and Toast's restaurant-specific stack represents the most direct competition in that vertical.
• Stax (formerly Fattmerchant): Stax is a subscription-based payment processor targeting SMBs and ISVs. FINA competes directly for the same merchant base and shares the ISV partner-channel GTM motion.
• Lightspeed Commerce: Lightspeed provides cloud-based POS and payments for retail and restaurant SMBs. FINA competes in the same verticals with an integrated payments + hardware + services bundle.
• Helcim: Helcim is an SMB payment processor known for transparent interchange-plus pricing. FINA competes for similar small and mid-sized merchants, though FINA emphasizes consultative sales versus Helcim's transparent self-serve model.
• Gravity Payments: Gravity Payments is a mid-market and SMB payment processor known for transparent flat-rate pricing. FINA competes for similar merchants and offers overlapping services including POS and integrated software bundles.
• North American Bancard: North American Bancard is a large independent sales organization (ISO) offering payment processing and merchant services to SMBs. FINA is a similarly structured ISO competitor, both relying on bank sponsorship and agent/reseller distribution.
• Square (Block): Square is the dominant SMB-focused payment processor and POS provider. FINA competes for the same retail, restaurant, and service-business merchants with an integrated payments + POS + software offering, though FINA targets slightly larger SMBs with a sales-led, white-glove model versus Square's self-serve approach.

Broad incumbents

• Stripe: Stripe is a leading internet-focused payment processor with growing SMB and POS ambitions (Stripe Terminal, Stripe Capital). FINA competes in the online and integrated payments space, particularly for merchants needing QuickBooks/Xero-grade accounting integrations.
• Clover (Fiserv): Clover is a major SMB POS and payments platform owned by Fiserv. FINA both resells Clover hardware and competes with Clover's full-stack merchant offerings, making this a hybrid partner/competitor relationship.

Emerging players

• Apriva (POS partner / emerging competitor): Apriva is a payments and POS technology provider that is both an integration partner (AprivaPay) and a partial competitor. FINA resells Apriva's hardware stack while Apriva also sells payment processing to end merchants.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fina-payment

Compliance1 record

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 FINA Payment