What Fast Pay Cards does

Fast Pay Cards is a Las Vegas-based merchant services provider operating as an independent sales organization (ISO) partnered with First Data for payment processing infrastructure. The company resells credit card processing services to small and mid-sized businesses across multiple verticals — restaurants, fast food, retail, grocery, medical, and cannabis — with specialized positioning in the cannabis vertical where mainstream processors have limited appetite. Pricing is structured as transaction-based fees starting from 0.25% on qualified transactions, with next-day funding and no setup fees as headline differentiators. The go-to-market is sales-led through remote account executives who build their own merchant portfolios, supported by website quote requests and phone-based inside sales.

The company's core product is credit card processing services layered with a "payment optimization" program intended to lower merchant transaction rates through rate engineering. Hardware is the secondary product line, with Clover POS systems (Go, Mini, Flex, Station) featured as the flagship platform due to aesthetics, ease of use, and access to the Clover App Market ecosystem. The hardware portfolio extends beyond Clover to include third-party terminals from Ingenico, PAX Technology, Verifone, Dejavoo, and First Data, enabling the company to serve merchants with diverse equipment preferences. Ancillary capabilities include employee management tools (time sheets, fingerprint login, permission settings), online reporting with search functionality, and PCI compliance support with encryption and tokenization. NFC contactless payments are supported across all major wallets (Apple Pay, Samsung Pay, Google Wallet, Visa payWave, MasterCard PayPass).

Commercially, the business operates as a single-country, domestic US ISO with a Las Vegas headquarters and a distributed remote sales force. Revenue mechanics derive primarily from transaction-based residual fees on processed volume and, to a lesser extent, hardware sales margins on POS equipment. The company is privately held with no disclosed investors, parent company, subsidiaries, or management team in the public record, and shows no AI/ML capabilities in its product stack. Customer acquisition relies on organic social (LinkedIn, Facebook, Twitter, Instagram), website lead capture, and direct sales outreach, with Spanish-language support signaling intent to reach Hispanic-owned SMBs.

Name

Fast Pay Cards

Legal name

Fast Pay Cards

Website

https://fastpaycards.com

Company type

Private

Operating status

Operating

Short description

Fast Pay Cards is a Las Vegas-based independent sales organization partnered with First Data that resells credit card processing, Clover POS hardware, and payment optimization services to SMB merchants across restaurants, retail, medical, grocery, and cannabis verticals in the United States.

Ownership category

akta.pro rank

Product category

Merchant Services / Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Credit card processing
• Merchant services
• POS systems
• Payment processing
• POS equipment

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Card Processing Fees: Transaction-based fees charged on credit and debit card payments processed for merchants. Rates start from 0.25% for qualified transactions with annual processing values between $50,000-$200,000. Higher volume businesses receive different flat rate pricing.
2. POS Equipment Sales: Sales and provisioning of POS hardware including Clover devices (Go, Mini, Flex, Station) as well as PAX, Verifone, Ingenico, Dejavoo, and First Data terminals

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Fast Pay Cards is a merchant services provider that processes credit and debit card transactions for businesses and resells Clover, Ingenico, PAX, Verifone, Dejavoo, and First Data POS hardware. The company underwrites merchants across restaurants, fast food, grocery, retail, medical, and cannabis verticals, offering wholesale processing rates starting at 0.25%, next-day funding, and zero setup fees.

Product overview

Fast Pay Cards is a merchant services provider operating as a First Data partner, offering credit card processing at wholesale rates with next-day funding. The core product is credit card processing services enhanced by payment optimization technology. The portfolio centers on the Clover POS ecosystem (Clover Go, Clover Mini, Clover Flex, Clover Station) as the preferred hardware platform, complemented by third-party terminals from PAX Technology, Ingenico, Verifone, Dejavoo, and First Data. Clover products form the flagship offering with their integrated app marketplace, inventory management, employee tools, and cloud-based reporting. The service supports all major payment types including magstripe, EMV chip, and NFC contactless payments (Apple Pay, Samsung Pay, Google Wallet, etc.). Additional features include payment optimization for lower rates, PCI compliance, encryption, and tokenization. Equipment is supplemented by business/industry insights and POS customizations for specific sectors including restaurants, retail, medical, and cannabis.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing Services End-to-end credit and debit card transaction processing for merchants, delivering funding, statement reporting, PCI-compliant security, and ongoing rate optimization.
• Clover POS System Multi-component point-of-sale software suite sold to merchants that integrates with Clover hardware, accepting cards, checks, cash and gift cards with inventory, employee, and customer management tools.
• Clover Go Compact mobile POS terminal for merchants needing to accept card payments anywhere via a smartphone or tablet.
• Clover Mini Countertop Clover POS terminal with built-in receipt printer, aimed at small merchants that need a compact all-in-one station.
• Clover Flex Handheld portable Clover POS terminal accepting credit, debit, EMV chip, swipe, and contactless mobile wallet transactions including Apple Pay and Samsung Pay.
• Clover Station Full-size dual-screen Clover POS terminal suited to high-volume retail and restaurant merchants running the complete Clover software suite.
• Ingenico POS Terminals Ingenico-branded countertop and wireless POS terminals resold to merchants as alternatives to Clover hardware.
• PAX Technology POS Terminals PAX-branded countertop, wireless, and mobile POS terminals resold to merchants alongside processing services.
• Verifone POS Terminals Verifone-branded countertop POS terminals resold to merchants needing reliable card acceptance hardware.
• Dejavoo POS Terminals Dejavoo-branded POS terminals that accept Google Wallet, Visa, and Mastercard, resold to merchants as part of the hardware catalog.
• First Data POS Terminals First Data-branded POS terminals resold to merchants, complementing the First Data processing backbone.
• Payment Optimization Services Consultative service that reviews merchant statements, identifies cost reductions, optimizes payment acceptance, and supports compliance for PCI/encryption/tokenization requirements.

Quantifiable outcome

• Rates starting from 0.25%
• +1 more outcomes

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• First DatacoreTechnology or IntegrationStrategic partnership where Fast Pay Cards uses First Data's payment processing infrastructure to provide merchant services. Fast Pay Cards is a First Data Partner and their processing services are provided solely by First Data. This partnership enables wholesale pricing for merchants.
• ClovercoreTechnology or IntegrationFast Pay Cards proudly features Clover POS products including Clover Go, Clover Mini, Clover Flex, and Clover Station. Clover products are emphasized for their aesthetics, ease of use, and cutting-edge technology. The partnership provides access to the Clover App Market ecosystem.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• SpotOn: SpotOn provides payment processing, POS, and SaaS solutions for restaurants and retail SMBs, overlapping directly with Fast Pay Cards' verticalized merchant services across restaurants and retail.
• Stax by Fattmerchant: Stax offers subscription-based payment processing with flat-rate pricing for SMBs, including POS integrations, directly overlapping Fast Pay Cards' value proposition of low flat-rate card processing for small businesses.
• Payment Depot: Payment Depot is an ISO-style processor offering wholesale interchange-plus rates and POS solutions to SMBs, very closely matching Fast Pay Cards' positioning as a partner-driven merchant services reseller.
• Toast: Toast is a restaurant-focused POS and payments platform that directly competes with Fast Pay Cards' restaurant and fast-food vertical processing and Clover-based POS offerings.
• PaymentCloud: PaymentCloud is a payment processor specializing in high-risk and hard-to-place verticals (including cannabis), directly competing with Fast Pay Cards' cannabis and high-risk merchant services offering.
• Helcim: Helcim is a payment processor offering interchange-plus pricing and POS solutions to SMBs, competing head-to-head on transparent wholesale-style pricing similar to Fast Pay Cards' 0.25% starting rates.
• National Processing: National Processing is a merchant services ISO offering payment processing and POS solutions across SMB verticals with similar partnership/reseller economics to Fast Pay Cards.
• SumUp: SumUp provides mobile card readers and payment processing for SMBs across multiple verticals globally, mirroring Fast Pay Cards' combination of low-rate card acceptance hardware and processing services for small merchants.

Broad incumbents

• Clover / Fiserv: Clover (owned by Fiserv/First Data) is the underlying POS platform Fast Pay Cards resells; Fiserv also competes at the acquirer level with direct merchant services, representing both a key partner and competitive incumbent.
• Block (Square): Block's Square is the dominant SMB payment processing and POS platform, offering processing, hardware (Square Reader, Square Terminal), and software — directly competing with Fast Pay Cards' Clover-centric SMB merchant services offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/FastPayCards
• Facebookfacebook.com/fastpaycardslasvegas
• LinkedInlinkedin.com/in/fast-pay-cards-604588187
• Instagraminstagram.com/fastpaycards

Revenue estimate

Valuation estimate

Number of profiles

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 Fast Pay Cards