ValPay
ValPay is a PayFac-as-a-Service provider that enables SaaS and vertical-market software platforms to embed PCI-compliant payment processing, merchant onboarding, and transaction management under their own brand, serving 22+ partners across 40+ countries via a transaction-fee model.
- Company typePrivate
- Founded2024
- HeadquartersClearwater, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What ValPay does
ValPay is a PayFac-as-a-Service provider that enables SaaS and vertical-market software platforms to embed payment processing, merchant onboarding, and transaction management directly into their own products under their own brand. The company's core offering is an API-first embedded payments platform organized into four modules — Accept Payments (multi-channel processing across online, in-person, and omnichannel with 100+ payment methods and 180+ currencies), Secure Payments (PCI-DSS Level 1 compliance, AI-driven fraud detection, tokenization, and dispute management), Manage Payments (real-time analytics, configurable merchant accounts, guided onboarding, and a white-label merchant portal), and Grow Payments (customizable fee structures, value-added services, and capital-financing widgets). ValPay absorbs the underwriting, regulatory, and compliance burden of acting as a registered Payment Facilitator so partner platforms can monetize payment flows without building or licensing the underlying infrastructure themselves. The platform claims 99.999% uptime, operates across 40+ countries, and is integrated with named partners spanning car rental (Bluebird), marine (DockMaster), hotel management (roomMaster / InnQuest), dental (Dentitek, MacPractice, TDO, XDent), ERP/WMS (Apero Solutions), POS/hospitality (H&L), and other verticals.
The company's go-to-market is exclusively B2B2B / OEM-embedded: ValPay sells to software platforms, not to merchants directly, and those partners in turn offer ValPay-powered payments to their end-user merchants. Revenue is generated through transaction-based fees and revenue share with each platform, with pricing kept private and quoted per engagement. Geographic coverage spans North America, the Caribbean, Oceania, East and Southeast Asia, and Western, Northern, Southern, Eastern, and Central Europe, with Chinese and Hong Kong merchant support added in early 2026 and French localization rolled out across the portal in mid-2026. ValPay is privately held, bootstrapped (no disclosed funding rounds), headquartered per firmographics in Clearwater, United States, though an alternative source describes a Canadian corporate domicile with offices not publicly disclosed, and is led by Co-CEOs Mitch Bourassa and Wissam Alame alongside CTO Tarek Kazak.
ValPay firmographics
Firmographics- Name
- ValPay
- Legal name
- ValPay
- Website
- https://valpay.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ValPay is a PayFac-as-a-Service provider that enables SaaS and vertical-market software platforms to embed PCI-compliant payment processing, merchant onboarding, and transaction management under their own brand, serving 22+ partners across 40+ countries via a transaction-fee model.
- Ownership category
- akta.pro rank
ValPay industry classification
Industry- Product category
- Embedded Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK)
Keywords
Where ValPay is headquartered
LocationHeadquarters
- HQ city
- Clearwater
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ValPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing / Transaction Fees: ValPay earns revenue through transaction fees on payments processed through their platform. Software platforms embed ValPay's payment solution to monetize transactions from their end-user merchants, creating a revenue share or fee structure on each processed payment. The company handles the complexities of being a PayFac while enabling platforms to transform payments from a backend function into a revenue driver.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom enterprise pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
ValPay product offering
Product offeringCore offering
ValPay provides PayFac-as-a-Service (Payment Facilitator-as-a-Service) embedded payment infrastructure that enables SaaS and software platforms to onboard merchants, process transactions, and offer payment solutions under their own brand. The platform handles underwriting, PCI-DSS compliance, and regulatory complexities while software partners retain ownership of merchant relationships and monetize payment transactions through a single API integration supporting 180+ currencies and 100+ payment methods.
Product overview
ValPay is an embedded payment platform providing PayFac-as-a-Service solutions for SaaS and software platforms. The unified platform consists of four interconnected modules: Accept Payments (multi-channel payment processing with 100+ payment methods in 180+ currencies), Secure Payments (PCI-DSS Level 1 compliance with AI-driven fraud detection and tokenization), Manage Payments (real-time analytics, configurable accounts, and merchant portal), and Grow Payments (revenue optimization with customizable fee structures and financial products). The platform also includes a white-label Merchant Portal and Virtual Terminal for phone/mail orders. ValPay handles underwriting, compliance, and regulatory complexities while software platforms maintain brand control.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Payments Platform Core PayFac-as-a-Service platform enabling software platforms to offer payment processing, merchant onboarding, and revenue optimization under their own brand through an API-first white-label model.
- Accept Payments Embedded payment acceptance module supporting online, in-person (POS), and omnichannel experiences with 100+ payment methods including credit cards, ACH, and digital wallets in 180+ currencies through a single API integration.
- Secure Payments Security module providing PCI-DSS Level 1 compliance, AI-driven fraud detection, tokenization, and dispute management to protect transactions and reduce chargebacks for software platforms and their merchants.
- Manage Payments Payment management module offering real-time analytics, configurable merchant accounts, a user-friendly merchant portal, and streamlined merchant onboarding capabilities.
- Grow Payments Revenue optimization module helping platforms create new revenue streams through customizable fee structures, financial products, value-added services, and expert growth support.
Quantifiable outcome
- 99.999% uptime reliability
- +4 more outcomes
Companies that use ValPay
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
ValPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature12 records
ValPay partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core and flagship.
- Apero SolutionscoreIndustry-leading ERP and WMS software provider integrating ValPay's embedded payment solution into their enterprise resource planning and warehouse management systems.
- AyslingcoreCreative solutions provider for back office operations integrating ValPay's payment processing capabilities.
- BluebirdflagshipLeading provider of software for vehicle rental and dealership. Featured as a case study customer with testimonial praising seamless integration and exceptional support. Core partnership in car rental vertical.
- Cott SystemscoreSolutions for recording, imaging, and searching public records integrating payment processing.
- DemandbridgecoreMarketing automation solutions for promo and print integrating payment capabilities.
- DentitekcoreCutting-edge software solutions for dental professionals with integrated payment processing.
- DockMasterflagshipDealer management and boat sales software provider. Featured case study highlighting transformative integration and exceptional technology quality. Core partnership in marine industry vertical.
- H&LcoreRestaurant and hospitality POS software integrating ValPay payment solutions.
- Hudson SoftwarecoreAdaptable ground transportation software integrating payment processing capabilities.
- JBLcoreDistribution and inventory management software with integrated payment solutions.
- KivutocoreAcademic software license management solutions integrating payment processing.
- MacPracticecoreDental and medical practice solution for macOS integrating payment capabilities.
- ProtecmediacoreSolutions empowering digital transformation of media with integrated payments.
- RentallcoreCar rental software for seamless operations integrating ValPay payment processing.
- roomMasterflagshipInnQuest management software for hoteliers. Featured case study showing reduced operational costs, improved profitability, and exceptional support. Core partnership in hotel management vertical.
- SeekdacoreHotel management software for seamless operations integrating payment solutions.
- Service CentralcoreSoftware to authorize, perform, and track services on any product with integrated payments.
- ServicocoreSoftware solutions for travel agencies and tour operators integrating payment processing.
- TDOcoreThe digital office software for endodontists with integrated payment capabilities.
- TrendexcoreSoftware for gases and welding supplies distributor integrating payment solutions.
- ValstonecoreSoftware and services for material handling automation with integrated payments.
- XDentcoreSoftware solutions for electronic dental health records integrating payment processing.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
ValPay competitors and assessment
Company assessmentDirect peers
- Spreedly: Spreedly provides payment orchestration and infrastructure for software platforms, overlapping with ValPay's payment gateway, tokenization, and multi-currency capabilities for SaaS customers.
- Payrix: Payrix offers embedded payments and PayFac-as-a-Service infrastructure specifically designed for SaaS platforms, serving as a direct competitor in ValPay's primary vertical SaaS segment.
- Finix: Finix is a PayFac-as-a-Service platform that enables software companies to embed payment processing and monetize transactions, directly competing with ValPay's core offering for the same vertical SaaS customer base.
- Stax (formerly Fattmerchant): Stax provides embedded payment processing and PayFac enablement for software platforms, with a comparable transaction-fee revenue model and similar focus on ISV/SaaS partners.
Broad incumbents
- WePay (JPMorgan): WePay, owned by JPMorgan, provides embedded payment processing for software platforms, making it a well-capitalized competitor in the same vertical SaaS embedded payments space.
- Stripe Connect: Stripe Connect is a broad embedded payments platform used by thousands of SaaS companies; it overlaps with ValPay's offering but is a much larger, general-purpose incumbent.
- Adyen for Platforms: Adyen for Platforms is an established global payments platform with embedded/white-label capabilities, directly cited by ValPay's own market data and competing for the same platform customers.
- Braintree (PayPal): Braintree is a PayPal-owned payment gateway and processing platform with merchant-of-record and platform capabilities that overlap with ValPay's payment processing and merchant onboarding features.
Emerging players
- Basis Theory: Basis Theory provides payments and sensitive data infrastructure that platforms use to embed tokenized payment flows, intersecting with ValPay's tokenization, embedded payments, and PCI-handling capabilities.
- Gr4vy: Gr4vy is a cloud-based payment orchestration platform that enables businesses to deploy and optimize payment infrastructure, with overlapping capabilities in routing, tokenization, and SaaS-focused integrations.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
ValPay social profiles
Digital presenceValPay compliance and trust
Trust signalCompliance1 record
ValPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
ValPay leadership team
Management profileNumber of profiles
Profiles3 records
ValPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ValPay 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 ValPay
What does ValPay do?
ValPay provides PayFac-as-a-Service (Payment Facilitator-as-a-Service) embedded payment infrastructure that enables SaaS and software platforms to onboard merchants, process transactions, and offer payment solutions under their own brand. The platform handles underwriting, PCI-DSS compliance, and regulatory complexities while software partners retain ownership of merchant relationships and monetize payment transactions through a single API integration supporting 180+ currencies and 100+ payment methods.
Is ValPay a public or private company?
ValPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ValPay founded?
ValPay was founded in 2024. It employs 11 to 50 people.
Where is ValPay based?
ValPay is headquartered in Clearwater, United States, in the North America region.
How does ValPay make money?
One revenue line is on record: payment Processing / Transaction Fees.
Who are ValPay's main competitors?
Direct peers on record are Spreedly, Payrix, Finix and Stax (formerly Fattmerchant). Broad incumbents are WePay (JPMorgan), Stripe Connect, Adyen for Platforms and Braintree (PayPal). Emerging players are Basis Theory and Gr4vy.
Does ValPay have an API?
Yes. ValPay offers a PayFac-as-a-Service API that enables software platforms to onboard merchants, process transactions, manage payments, and handle compliance. The API supports features including: transaction processing, user management, brand admin capabilities, deposit exports, dispute management, terminal ordering and tracking, merchant onboarding, and rate/fee configuration. The changelog references improvements to endpoints such as Get All Users, transactions endpoint, and brand admin functionality.
What industry is ValPay in?
ValPay's product category is Embedded Payment Processing. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 7372.