Strictly
Strictly (Zero Technologies, LLC) is a Miami-based API-first payment platform serving ISOs, MSPs, developers, and multi-location enterprises. It offers omni-channel payment processing with automated surcharge/dual pricing compliance, AI-driven fraud prevention, and vertical-specific integrations for dental, automotive, and veterinary merchants.
- Company typePrivate
- Founded2019
- HeadquartersFlorida, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Strictly does
Strictly (legal entity Zero Technologies, LLC) is a U.S.-based, Miami-headquartered payment technology company that operates an API-first, omni-channel payment platform designed for Independent Sales Organizations (ISOs), Merchant Service Providers (MSPs), developers, and multi-location enterprise merchants. The platform unifies e-commerce, in-person, and mobile payment acceptance through a single REST API with tokenization, real-time AI-driven fraud prevention (3-D Secure, AVS, CVV2), and same-day funding. Its core differentiator is the Smart Pricing Engine, which automates surcharge and dual pricing compliance across all 50 U.S. states, including BIN-based debit card detection, state-specific restrictions, and card network caps.
The product portfolio layers several proprietary modules on top of core processing: ClearSplit™ automates partner residual splits at the point of transaction for ISO/MSP compensation; ChurnIQ™ applies predictive modeling on transaction patterns to flag at-risk merchants; VerticalEdge™ packages industry-specific integrations for dental (Open Dental, Dentrix, Eaglesoft, ClearDent, Planet DDS, Practice Web, Carestream), automotive (CDK Global, Dominion DMS, DTS Connex), veterinary, and membership verticals; and POS Lending embeds third-party consumer financing at checkout. Distribution is primarily channel-led through ISOs and MSPs via a dedicated Partner Portal (zero.paywithzero.net), supplemented by a self-service Merchant Portal and sales-assisted enterprise motion.
Strictly monetizes primarily through transaction-based fees (interchange markup, surcharge program economics, service fees) and partner residual splits, with a zero-platform-fee model for partner-sold merchants. The company does not disclose revenue, funding, or headcount beyond an 11-50 employee range, and operates without disclosed institutional investors, making financial scale difficult to verify. PCI DSS and GDPR compliance, along with a broad integration catalog, form the regulatory and technical foundation of its merchant acquisition strategy.
Strictly firmographics
Firmographics- Name
- Strictly
- Legal name
- Zero Technologies, LLC
- Website
- https://strictlyzero.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Strictly (Zero Technologies, LLC) is a Miami-based API-first payment platform serving ISOs, MSPs, developers, and multi-location enterprises. It offers omni-channel payment processing with automated surcharge/dual pricing compliance, AI-driven fraud prevention, and vertical-specific integrations for dental, automotive, and veterinary merchants.
- Ownership category
- akta.pro rank
Strictly industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Omnichannel Gateway Enablement (Online + In-store) (FSAMACAH)
- akta.pro secondary industries
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payment Orchestration Platforms (FSAGABAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where Strictly is headquartered
LocationHeadquarters
- HQ city
- Florida
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Strictly business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Personnel, Marketing or Sales
Revenue model
- Transaction Processing Fees: Service fees charged on payment transactions processed through the platform. The platform offers zero-fee processing models where merchants offset costs through surcharge or dual pricing programs rather than paying traditional processing fees.
- Platform/SaaS Fees: Monthly platform access fees. The company states 'no hidden costs, setup fees, or monthly platform charges' for basic access, suggesting premium tiers or add-on services may have associated fees.
- Service Fees: Non-refundable service fees charged when using the Services, processed as separate transactions from primary transaction amounts.
- POS Lending Integration: Embedded financing option integrated into checkout workflow, with financing provider handling credit applications and payment plans. Strictly takes no lending risk.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Pay-as-you-go | Zero-Fee Processing Model |
| Transaction based/ take rate | Pay-as-you-go | Surcharge Program |
| Transaction based/ take rate | Pay-as-you-go | Dual Pricing Program |
| Subscription | Monthly | Platform Access |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Strictly product offering
Product offeringCore offering
Strictly provides a unified API-first omni-channel payment processing platform that enables merchants, ISOs, MSPs, and developers to accept card-not-present and card-present payments while offsetting or eliminating processing fees through compliant surcharge and dual pricing programs. The platform combines payment acceptance (e-commerce, in-person, mobile), fraud prevention, partner residual management, AI-driven retention analytics, and vertical-specific integrations into a single software stack.
Product overview
Strictly is a unified omni-channel payment platform that combines a core Smart Payments engine with modular add-on tools. The core offering includes Smart Payments (surcharge and dual pricing programs), Merchant Tools (API integration, virtual terminal, payment links, invoicing, recurring billing, ACH, Cloud POS, tokenization), and multi-channel payment acceptance (e-commerce, in-person, mobile). The platform is augmented by proprietary add-on modules: ClearSplit for automated partner compensation, ChurnIQ for AI-driven retention intelligence, VerticalEdge for industry-specific tools, POS Lending for financing integration, Customer Management, and Marketplace. The architecture is API-first, designed for ISOs, MSPs, developers, and enterprise clients seeking zero-fee processing models.
Differentiator
Problem solved
Functional benefit
Products and services
- Smart Payments
Quantifiable outcome
- Merchants can reduce processing costs by up to 100%
- +4 more outcomes
Companies that use Strictly
Customer profileNamed customers3 records
Segments9 records
Ideal customer profiles4 records
Strictly technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature7 records
Strictly partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and major.
- VisacoreCard network partner enabling payment processing through Visa rails. Visa surcharge cap at 3% of transaction amount.
- CDK GlobalcoreDMS integration for automotive dealerships enabling seamless payment processing within dealer management systems.
- SalesforcemajorCRM integration for customer data synchronization and unified business intelligence.
- ElavonmajorPayment processor partner for transaction processing and settlement services.
- PayamajorPayment technology partner for processing and settlement infrastructure.
- Open DentalcoreDental practice management software integration enabling real-time payment writeback and reconciliation.
- DentrixcoreDental practice management software integration for dental industry vertical solutions.
- ClearDentcoreDental practice management integration for Canadian and US dental markets.
- EaglesoftcoreDental practice management software (Patterson) integration for seamless payment processing.
- Planet DDSmajorCloud-based dental practice management software integration.
- Practice WebmajorPractice management software integration helping dental practices streamline operations.
- CarestreammajorDental imaging and practice management integration partner.
- Intuit QuickBooksmajorAccounting software integration for financial reconciliation and reporting.
- Dominion DMSmajorDealer management system integration for automotive vertical.
- DTS ConnexmajorDealer management system integration for automotive industry.
- Peoples TrustmajorPayment processor and banking partner.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Strictly competitors and assessment
Company assessmentDirect peers
- Stax: Subscription-based, no-hidden-fee payment processor targeting ISOs, SaaS platforms, and SMBs with transparent interchange-plus pricing. Most direct analog to Strictly's zero-fee/ISO-friendly model.
- Finix: Payment orchestration and embedded payments infrastructure for SaaS platforms and marketplaces. Comparable to Strictly's API-first orchestration layer, ClearSplit, and sub-merchant management.
- PaymentCloud: High-risk and SMB-focused ISO/agent-friendly payment processor offering merchant accounts across verticals. Closely comparable to Strictly's ISO/MSP-led go-to-market model.
- Helcim: Transparent interchange-plus processor serving SMBs with online, in-person, and recurring payments plus integrated invoicing. Overlaps with Strictly on omnichannel coverage and SMB value proposition.
- SpotOn: SMB payments and software platform combining POS, payments, and vertical SaaS for restaurants and retail. Comparable vertical-driven go-to-market and integrated payments-plus-software bundle.
Emerging players
- Toast: Vertical SaaS leader for restaurants with embedded payments. Relevant comparable for Strictly's vertical-SaaS-embedded-payments thesis in dental, automotive, and vet.
Broad incumbents
- Square (Block): Dominant omnichannel SMB payments and POS platform with broad merchant tools. Competes with Strictly on SMB/enterprise omni-channel coverage but with vastly larger resources and brand.
- Fiserv: Large incumbent payments provider (Clover, First Data legacy) offering merchant acquiring, gateway, and POS. Competes broadly across the same omnichannel merchant acquiring space.
- Stripe: Developer-first global payments platform with extensive API, embedded finance, and orchestration capabilities. Competes with Strictly on API-first merchant and developer segments.
Others
- Paya (Nuvei): Payment technology partner already integrated with Strictly for processing; broadly comparable integrated payments and software-led distribution model in the partner/ISO space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Strictly social profiles
Digital presenceStrictly compliance and trust
Trust signalCompliance2 records
Strictly financial estimates
Financial estimateRevenue estimate
Valuation estimate
Strictly leadership team
Management profileNumber of profiles
Profiles1 record
Strictly funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Strictly 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 Strictly
What does Strictly do?
Strictly provides a unified API-first omni-channel payment processing platform that enables merchants, ISOs, MSPs, and developers to accept card-not-present and card-present payments while offsetting or eliminating processing fees through compliant surcharge and dual pricing programs. The platform combines payment acceptance (e-commerce, in-person, mobile), fraud prevention, partner residual management, AI-driven retention analytics, and vertical-specific integrations into a single software stack.
Is Strictly a public or private company?
Strictly is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Strictly founded?
Strictly was founded in 2019. It employs 11 to 50 people.
Where is Strictly based?
Strictly is headquartered in Florida, United States, in the North America region.
How does Strictly make money?
Four revenue lines are on record. Transaction Processing Fees are the primary driver. The others are platform/SaaS Fees, service Fees and POS Lending Integration.
Who are Strictly's main competitors?
Direct peers on record are Stax, Finix, PaymentCloud, Helcim and SpotOn. Toast is listed as an emerging player. Broad incumbents are Square (Block), Fiserv and Stripe. Paya (Nuvei) is listed as an others.
Does Strictly have an API?
Yes. Strictly offers a REST API for payment processing that enables developers to integrate omni-channel payment capabilities. The API provides endpoints for transaction processing, tokenization, surcharge and dual pricing calculations, webhooks for real-time event notifications, and partner management tools including ClearSplit for automated residual management. The platform supports BIN lookup for real-time card type identification, automated state-by-state compliance logic, and sandbox environment for testing. Documentation indicates SDK support for Node.js, Python, Ruby, and Go languages. Developer documentation is at strictlyzero.com/technology/api-docs.
What industry is Strictly in?
Strictly's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAH, Omnichannel Gateway Enablement (Online + In-store), with a secondary code of FSAMABAA, Integrated Payment Processors (PSP/Acquirer). Its NAICS code is 522320 and its SIC code is 7370.