What Integrity Payments Group does

Integrity Payments Group is a private payments solutions provider operating as a registered DBA of EPX and as a registered ISO of BMO Harris Bank N.A., Fresno First Bank, and Citizens Bank N.A., headquartered in Germantown, Tennessee. The company designs tailored payment processing, verification, and commerce platforms for businesses that mainstream processors are reluctant to underwrite, including cannabis, CBD, smokeshops, small-dollar and tribal lenders, and merchant cash advance providers, with secondary coverage of mid-risk eCommerce, B2B, tobacco, firearms, and automotive dealerships. Its core technology stack centers on the IntegrityCHECK platform — providing real-time credentialed and non-credentialed bank account verification and continuous account monitoring — alongside Integrity Income Link (payroll-based income verification across 1,900+ payroll platforms), IntegrityPOINT POS (cannabis/smoke commerce platform), IntegrityPOINT Pay (ACH, push-to-card, and branded prepaid card payouts), and Integrity Dealer Solutions (DMS-integrated automotive payments with 50-state compliant surcharging).

Name

Integrity Payments Group

Legal name

Integrity Payments Group

Website

https://integritypaymentsgroup.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Integrity Payments Group is a private ISO-registered payments provider offering processing, real-time bank verification, and POS solutions to high-risk and regulated merchants — including cannabis, CBD, lending, and automotive dealerships — backed by three sponsor banks.

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

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Payment processing services
• High-risk merchant services
• Lending payment solutions
• Cannabis payment processing
• Embedded payment integrations

Headquarters

HQ city

Germantown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Fees: Revenue generated from credit and debit card transaction processing, ACH payments, real-time payments, and digital currency transactions. Fees are charged per transaction based on processing volume.
2. Payment Technology Services: Revenue from payment gateway services, tokenization, chargeback management, and other technology services bundled with processing.
3. Consulting Services: Fees from strategic consulting engagements including payment ecosystem planning, treasury services, merchant statement analysis, risk management, and compliance support.
4. Partner Referral and Reseller Revenue: Revenue sharing and residuals earned from the partner program where ISOs, agents, ISVs, and financial institutions refer merchants or resell payment solutions. Partners earn lifetime residuals by referring merchants.
5. Business Solutions (Data & Payroll): Revenue from alternative credit reporting, data tools, payroll services, and IntegrityCHECK verification services provided to lenders.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Integrity Payments Group provides tailored payment processing solutions and risk management services for businesses operating in regulated and high-risk industries, including consumer and business lenders, cannabis, CBD, smokeshops, nutraceuticals, and auto dealerships. Core offerings include credit/debit card processing, ACH and real-time payments, payment gateway and tokenization, the IntegrityCHECK real-time bank verification and monitoring platform, IntegrityPOINT POS, branded prepaid card issuing, and consultative services for payment ecosystem planning, treasury management, and compliance. The company distributes its solutions through direct sales, ISO/agent partners, ISV integrations, and financial institution partnerships.

Product overview

Integrity Payments Group operates as a strategic payment solutions provider offering an integrated ecosystem of payment services, technologies, and business solutions. The core platform centers on IntegrityCHECK, a real-time data and monitoring solution offered in separate versions for consumer lenders and business lenders, providing continuous visibility into borrower accounts for underwriting, pre-funding verification, monitoring, and collections optimization. Supporting the platform are specialized products including IntegrityPOINT POS (point-of-sale commerce for cannabis, smoke, and alternative businesses), IntegrityPOINT Pay (flexible payout solutions including ACH, push-to-card, and branded prepaid cards), Integrity Dealer Solutions (cloud-based DMS-integrated payment tools for auto dealerships), and Integrity Income Link (payroll-based income verification and payment solutions). Additional capabilities include compliant surcharging, payment waterfall optimization, bank account verification, and comprehensive chargeback/return management. The company also offers traditional payment services including credit/debit card processing, ACH payments, and real-time payments, complemented by consulting services for payment ecosystem planning, treasury management, and compliance support.

Differentiator

Problem solved

Functional benefit

Brands

• IntegrityCHECK: A platform providing real-time borrower account data for business lenders to make smarter lending decisions and run more effective collections.
• IntegrityPOINT POS
• Integrity Income Link
• Integrity Dealer Solutions

Products and services

• IntegrityCHECK for Business Lenders Real-time borrower account monitoring and verification platform for SMB, MCA, and equipment lenders, providing continuous visibility, pre-funding balance checks, account ownership verification, payroll details, and ongoing monitoring for underwriting and collections optimization.
• IntegrityCHECK for Consumer Lenders Real-time borrower data platform for personal, small dollar, and point-of-sale finance lenders providing pre-funding fund verification, account monitoring, hardship verification, payment waterfall management, and CFPB Two-Strike Rule compliance.
• IntegrityPOINT POS Point-of-sale commerce platform tailored for cannabis, smoke, tobacco, and alternative businesses, designed to streamline operations, enhance customer experiences, and ensure regulatory compliance across high-risk industries.
• IntegrityPOINT Pay Comprehensive payout solutions offering on-demand and batch ACH, push-to-card instant transfers, branded prepaid card issuing, and bank-to-bank transfers for lenders and merchants.
• Integrity Income Link Payroll-based payment solution providing real-time payroll data for instant income and employment verification, paycheck-linked repayments, and direct payroll deduction capabilities for lenders.
• Integrity Dealer Solutions Suite of cloud-based payment tools for automotive dealerships, integrating with Dealer Management Systems to improve payment ecosystems, enhance operational efficiency, and deliver value for dealerships and end customers.
• Payment Processing Services Comprehensive payment processing services including credit and debit card processing, ACH, real-time payments, and digital currencies for businesses across low-, medium-, and high-risk industry verticals.
• Payment Gateway and Tokenization Payment gateway and universal tokenization technologies designed to enhance the efficiency and security of payment processes, including embedded payments and payment integrations for partner platforms.
• Consulting Services Strategic consulting services including payment ecosystem planning, treasury services and management, merchant statement analysis, business risk and continuity management, and compliance and regulatory support.

Quantifiable outcome

• Real-time balance verification can prevent two consecutive failed payment attempts, helping lenders comply with the CFPB Small Dollar Lending Rule effective March 2025
• +5 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature15 records

Partnerships

Three partnerships are on record, tiered core and minor.

• LENDAPIcoreStrategic or Co-development PartnerLENDAPI named Integrity Payments Group as its 2025 Payments Partner of the Year. LENDAPI is a partner platform serving the alternative lending industry, and IPG provides payment processing solutions to LENDAPI's lending clients.
• ETA (Electronic Transactions Association)minorOthersIPG is a member or affiliate of ETA as indicated by the logo display on the company's website, suggesting participation in the broader electronic payments industry association.
• OLA (Online Lending Alliance)minorOthersIPG is affiliated with OLA as indicated by the logo display on the company's website, suggesting participation in the online lending industry association.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• eMerchantBroker: eMerchantBroker provides high-risk merchant accounts and payment gateways with a sales-led, multi-bank ISO model serving cannabis and other regulated verticals, similar in structure to Integrity Payments Group.
• Host Merchant Services: Host Merchant Services provides high-risk and offshore merchant processing, gateway, and chargeback tools with a consultative sales motion—closely comparable to IPG's tailored, ISO-led approach to regulated industries.
• PaymentCloud: PaymentCloud is a high-risk merchant account specialist offering credit card processing, ACH, and chargeback management to cannabis, CBD, nutraceutical, and other regulated verticals—directly overlapping Integrity Payments Group's IntegrityPOINT POS and high-risk merchant services offerings.
• Durango Merchant Services: Durango is a high-risk ISO specializing in cannabis, CBD, nutraceutical, and firearms processing with a partner/reseller program—highly comparable to IPG's cannabis/CBD focus and ISO/agent partner channel.

Broad incumbents

• Stripe: Stripe is a global payments platform offering merchant processing, gateways, embedded payments, and increasingly higher-risk underwriting. It is a broad incumbent against which IPG competes on differentiation rather than scale.
• Plaid: Plaid is the dominant bank-data connectivity and account verification platform serving lenders and fintechs. It competes with IntegrityCHECK's credentialed/non-credentialed verification but operates at much greater scale and breadth.
• Paysafe: Paysafe is a global payments provider with integrated processing, gateway, and payouts, and was the former employer of IPG's CSO O.B. Rawls as CEO of Global Payment Processing. It is a broad incumbent with overlapping capabilities but a much larger, diversified footprint.

Emerging players

• MX Technologies: MX provides financial data aggregation, account verification, and connectivity used by lenders and fintechs for underwriting—overlapping the IntegrityCHECK real-time bank/payroll verification use case for lenders.
• Finix: Finix is a payments infrastructure provider enabling ISVs and platforms to embed payments with tokenization and payouts—comparable to IPG's embedded payments, IntegrityPOINT Pay, and ISV partner program.

Others

• EPX: EPX is the parent entity of which Integrity Payments Group is a registered DBA and through which IPG accesses sponsor-bank ISO sponsorship. It is operationally adjacent but not a market competitor.

Market position

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/salesma12879878
• Facebookfacebook.com/profile.php

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Integrity Payments Group