Strictly

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.

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

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

• Payment processing
• Merchant services
• Surcharge programs
• ISO partner platform
• Omni-channel payments

Headquarters

HQ city

Florida

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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.
3. Service Fees: Non-refundable service fees charged when using the Services, processed as separate transactions from primary transaction amounts.
4. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core 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

Named customers3 records

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature7 records

Partnerships

16 partnerships are on record, tiered core and major.

• VisacoreTechnology or IntegrationCard network partner enabling payment processing through Visa rails. Visa surcharge cap at 3% of transaction amount.
• CDK GlobalcoreTechnology or IntegrationDMS integration for automotive dealerships enabling seamless payment processing within dealer management systems.
• SalesforcemajorTechnology or IntegrationCRM integration for customer data synchronization and unified business intelligence.
• ElavonmajorTechnology or IntegrationPayment processor partner for transaction processing and settlement services.
• PayamajorTechnology or IntegrationPayment technology partner for processing and settlement infrastructure.
• Open DentalcoreTechnology or IntegrationDental practice management software integration enabling real-time payment writeback and reconciliation.
• DentrixcoreTechnology or IntegrationDental practice management software integration for dental industry vertical solutions.
• ClearDentcoreTechnology or IntegrationDental practice management integration for Canadian and US dental markets.
• EaglesoftcoreTechnology or IntegrationDental practice management software (Patterson) integration for seamless payment processing.
• Planet DDSmajorTechnology or IntegrationCloud-based dental practice management software integration.
• Practice WebmajorTechnology or IntegrationPractice management software integration helping dental practices streamline operations.
• CarestreammajorTechnology or IntegrationDental imaging and practice management integration partner.
• Intuit QuickBooksmajorTechnology or IntegrationAccounting software integration for financial reconciliation and reporting.
• Dominion DMSmajorTechnology or IntegrationDealer management system integration for automotive vertical.
• DTS ConnexmajorTechnology or IntegrationDealer management system integration for automotive industry.
• Peoples TrustmajorTechnology or IntegrationPayment processor and banking partner.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• YouTubeyoutube.com/@strictlyzero
• LinkedInlinkedin.com/company/strictlyzero
• Instagraminstagram.com/strictlyzerolimits

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Strictly