Provisia Financial

What Provisia Financial does

Provisia Financial, LLC is a local merchant services company headquartered in Pueblo West, Colorado, founded in 2010. The company provides credit card processing, PCI compliance support, ACH/e-check services, EMV-compatible POS equipment, e-commerce store building, online donation processing, fundraising tools, and custom application and web development for small and medium-sized merchants and non-profit organizations. Its core technology is built on standard EMV-compatible POS and terminal equipment infrastructure, supplemented by an in-house programming and design team that produces custom online stores, payment apps, and donation apps configured to individual merchant requirements.

The business operates on a transaction-based revenue model, earning fees on credit card and ACH/e-check processing volume, supplemented by hardware sales, professional services for custom development, and ancillary service fees. Pricing is structured as transaction-based with a pay-as-you-go cadence, with no hidden fees and no long-term contracts. The go-to-market motion is sales-led and relationship-driven: customer acquisition is primarily via direct phone outreach (888-869-9882) and the company website, targeting local SMB merchants in Colorado with a secondary non-profit segment supported by the Partnership Rewards program, which donates up to 20% of company income to the non-profit organization of the merchant's choice.

The company's strategic positioning emphasizes transparency, community impact, and customization rather than scale. Since launching in 2010, Provisia has helped merchants process millions of dollars in credit card transactions and has serviced over $6 million in donations through its Online Donations service. The company is privately held with no disclosed institutional funding, no management team information, no partnerships, and no recent website updates beyond 2018, indicating a small, locally focused operation with limited evidence of geographic or operational expansion.

Name

Provisia Financial

Legal name

Provisia Financial, LLC

Website

https://provisia.net

Company type

Private

Founded year

2010

Operating status

Operating

Short description

Provisia Financial is a Pueblo, Colorado-based local merchant services provider offering transparent, no-contract credit card processing, ACH/e-check, PCI compliance, e-commerce, and custom app development to SMB merchants and non-profit organizations since 2010.

Ownership category

akta.pro rank

Product category

Merchant Services

NAICS

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

akta.pro primary industry

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

Keywords

• Credit card processing
• Merchant services
• Payment processing
• PCI compliance
• Online donations

Headquarters

HQ city

Pueblo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Card Processing Fees: Transaction-based revenue from processing credit card payments for merchants. The company offers honest credit card processing with competitive rates and transparent pricing agreements.
2. ACH/E-Check Processing: Revenue from accepting payments directly from bank accounts, enabling merchants to accept direct payments.
3. Custom Solutions & App Development: Custom software development services including payment apps, donation apps, and web development for business needs.
4. Equipment & Servicing: Sale and servicing of EMV-compatible POS and terminal equipment for merchants.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Provisia Financial is a local merchant services company that provides credit card processing, ACH/e-check payments, PCI compliance support, customized e-commerce store builds, online donation processing, fundraising tools, EMV-compatible POS equipment, and custom app and web development. The company is based in Pueblo, CO and has helped merchants process millions of dollars in credit card transactions since launching in 2010, with a focus on transparent, no-contract pricing.

Product overview

Provisia Financial is a local merchant services company offering a unified suite of payment processing solutions centered on honest, transparent credit card processing. The core product is Merchant Services, supplemented by complementary add-on modules including PCI Compliance, E-Commerce (customized online stores), Fundraising, Online Donations, ACH/E-Check Services, App & Web Development, Custom Solutions, and Equipment & Servicing. The company also offers Partnership Rewards, a unique program that donates a portion of revenue to merchants' chosen non-profit organizations, connecting cause-driven commerce with community impact.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Services (Credit Card Processing) Honest credit card processing services with simple, transparent pricing and transparent pricing agreements for SMB merchants, without hidden fees or long-term contracts.
• PCI Compliance Security service that helps merchants protect cardholder data and maintain PCI compliance standards.
• E-Commerce Customized online store solutions enabling merchants to sell products online.
• Fundraising Philanthropic funding solutions that help non-profit organizations diversify their revenue sources.
• Online Donations Digital donation processing service that has facilitated over $6 million in donations for non-profit organizations.
• ACH/E-Check Services Payment processing service that allows merchants to accept payments directly from customers' bank accounts.
• App & Web Development Custom application development services for payment or donation apps with flexible pricing options.
• Custom Solutions Tailored business solutions built by expert programmers to address specific business needs.
• Equipment & Servicing EMV-compatible POS equipment and terminal services providing the latest payment processing hardware.
• Partnership Rewards Community partnership program that donates up to 20% of company income to the non-profit organization of the merchant's choice.

Quantifiable outcome

• Over $6 million in donations serviced through online donations
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Clover (Fiserv): Clover, owned by Fiserv, is a major SMB POS and merchant acquiring platform offering hardware and software bundles that overlap with Provisia's terminal/equipment and merchant services products.
• PayPal: PayPal is a broad incumbent in SMB and online payments whose consumer and merchant products compete with Provisia's merchant services and online donation offerings at the upper end of the SMB market.
• Chase Merchant Services (JPMorgan): Chase Merchant Services is a broad incumbent payment processor competing for SMB card-accepting merchants with bundled banking services — relevant to Provisia's transparent-pricing SMB positioning.

Direct peers

• Helcim: Helcim is a transparent-pricing SMB payment processor that, like Provisia, emphasizes interchange-plus pricing and no long-term contracts for small merchants.
• PaymentCloud: PaymentCloud is a merchant services ISO focused on SMB and high-risk merchant accounts with a similar sales-led, phone-based acquisition approach to Provisia.
• Block (Square): Block's Square is the dominant SMB-focused payment processor and POS provider in the US, competing head-to-head with Provisia for small-merchant credit card processing volume.
• Heartland Payment Systems: Heartland is a direct SMB-focused merchant services ISO with a similar relationship-driven sales motion targeting local merchants — a comparable business model to Provisia's.
• Dharma Merchant Services: Dharma is a smaller SMB-focused merchant services provider emphasizing transparent pricing and small-business ethics — closely aligned with Provisia's positioning.
• Stripe: Stripe provides merchant acquiring and online payment processing for SMBs and digital-first businesses, directly overlapping Provisia's card processing and online store product offerings.
• Stax (Fattmerchant): Stax provides subscription-based payment processing and merchant services to SMBs, sharing Provisia's positioning around transparent pricing and software-embedded payments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Provisia Financial