The Payment HQ

What The Payment HQ does

The Payment HQ is a privately held merchant services provider founded in 2022 and headquartered in Del Mar (San Diego area), California, with a secondary office in San Francisco. The company resells and supports payment acceptance technology across in-person, online, and virtual channels, distributing a multi-platform stack that includes Clover, Square (where it holds an exclusive California Pilot Reseller designation), SkyTab, Authorize.net, NRS, Payanywhere, Maverick, Shift4, and CardPointe. Core proprietary offerings include a web-based Virtual Terminal that converts any internet-connected device into a card terminal, an ACH payment processing product with digital invoicing and recurring billing, an ISV integration platform with documented APIs, SDKs, sandbox environments, and code samples for software vendors, and a Merchant Cash Discount Program that allows merchants to offset processing fees through dual pricing.

Name

The Payment HQ

Legal name

The Payment HQ

Website

https://thepaymenthq.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

The Payment HQ is a privately held, Southern California-based merchant services provider founded in 2022 that resells multi-platform payment processing, virtual terminals, ACH, ISV APIs, commercial lending referrals, and ADP-based payroll services to SMBs through direct sales and agent/ISO partners.

Ownership category

akta.pro rank

Product category

Merchant Services and Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Payment processing services
• Merchant services
• POS solutions
• Commercial lending referrals
• ACH payment processing

Headquarters

HQ city

Del Mar

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Transaction Fees: The company charges transaction fees on credit/debit card payments processed through its merchant services. Fees vary by pricing tier: Startup plan at 2.69% swiped/3.49%+$0.19 hand-keyed, Virtual Terminal at 1.00%+$0.15 per transaction, and custom interchange-plus pricing for enterprise clients.
2. Monthly Service Fees: Monthly subscription fees for payment solutions: Virtual Terminal at $49.95/month, Dual Pricing/Cash Discount at $99.95/month. Custom enterprise plans available at negotiated rates.
3. Agent/ISO Partner Residuals: Partners (ISOs and agents) earn lifetime residuals plus sign-on bonus commissions for new merchant accounts they bring on board. Revenue share based on transaction volume processed by referred merchants.
4. Commercial Lending Referrals: The company facilitates commercial lending through 80+ bank partners, earning referral fees for connecting merchants with term loans, lines of credit, equipment financing, and SBA loans.
5. Payroll Services Partnership: Partnership with ADP (RUN Powered by ADP) for payroll and HR services. The company recommends ADP to its merchant clients and likely earns referral fees or residuals from this partnership.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

The Payment HQ is a privately owned merchant services provider that processes credit card and ACH payments for businesses across in-person, online, and virtual channels, supported by multi-platform POS hardware distribution (Clover, SkyTab, Square) and an ISV integration portal. Its core lineup combines payment processing, a web-based Virtual Terminal, ACH transfers, Merchant Cash Advance funding, and commercial lending referrals through 80+ bank partners, with payroll services delivered via an ADP partnership.

Product overview

The Payment HQ is a payment processing and merchant services company offering a comprehensive suite of solutions centered around payment acceptance technology. The core offerings include Merchant Services (payment processing for in-person, online, and virtual channels), Virtual Terminal (web-based credit card processing), ACH Payments (bank-to-bank transfers), and ISV Solutions (API/SDK integration for software vendors). The product portfolio extends to complementary services including the Merchant Cash Discount Program for fee optimization, Commercial Lending Services (term loans, lines of credit, SBA loans, equipment financing), and Payroll Services powered by ADP. Hardware offerings include POS equipment from Clover, Pax, SkyTab, and other brands. The company operates a three-tier pricing structure (Startup free tier, Virtual Terminal at $49.95, and Dual Pricing/Cash Discount at $99.95) plus custom enterprise pricing, with partner programs for agents and referral partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Services Core payment processing service enabling businesses to accept credit and debit card payments in-person, online, and virtually through POS systems, mobile solutions, and digital invoicing, with same-day or next-day funding options.
• Virtual Terminal Web-based credit card terminal software that turns any internet-connected computer, tablet, or smartphone into a payment terminal, supporting e-commerce, electronic invoicing, recurring billing, hosted payment pages, QR code payments, text-to-pay, and QuickBooks integration.
• ACH Payments Electronic bank-to-bank payment processing service enabling secure fund transfers with digital invoicing, direct deposit, and automatic bill pay capabilities, eliminating the risks of physical checks.
• ISV Solutions (Integrated Software Vendor Platform) Payment integration platform providing APIs, SDKs, sandbox environments, test keys, code samples, payment buttons, and custom form fields for software vendors to embed payment processing into their own applications, with revenue share opportunities.
• Commercial Lending Services Business financing referral service providing term loans, business lines of credit, accounts receivable financing, equipment financing, and SBA loans through a network of 80+ bank partners.
• Payroll Services (RUN Powered by ADP) Payroll and HR solutions offered through RUN Powered by ADP, including payroll processing, tax compliance, employee benefits administration, and 401(k) plan setup.
• Equipment (POS Hardware) Payment hardware distribution offering countertop terminals, mobile POS devices, full-service POS units, and self-service kiosks from brands including Clover, SkyTab, Pax, NRS, Payanywhere, Maverick, Shift4, Authorize.net, CardPointe, and Ingenico.
• Merchant Cash Discount Program Pricing program that lets merchants offset credit card processing fees by offering a lower cash price and a higher card price, in compliance with all 50 U.S. states.
• Merchant Capital Advance Flexible business funding based on credit card sales volume, with repayment structured as a percentage of daily card sales rather than fixed monthly payments.

Quantifiable outcome

• Cafe and bar saved nearly $6,500 per month using dual pricing feature
• +2 more outcomes

Named customers6 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• ADP (RUN Powered by ADP)coreStrategic or Co-development PartnerThe Payment HQ recommends ADP's RUN Powered by ADP payroll and HR platform to its merchant clients. ADP provides payroll processing, tax compliance, HR solutions, and 24/7 live support. The partnership enables The Payment HQ to offer comprehensive back-office solutions to its SMB customers.
• SquareflagshipTechnology or IntegrationThe Payment HQ is California's only Square Pilot Reseller, offering elevated platform access and technical support capabilities compared to standard Square resellers. This exclusive status provides advantages in serving merchant clients with Square POS solutions.
• NMIcoreTechnology or IntegrationNMI provides payment gateway technology enabling The Payment HQ to offer comprehensive payment processing solutions. Partnership expanding payment possibilities for ISV integrations and merchant services.
• ClovercoreTechnology or IntegrationClover POS hardware and software integration. The Payment HQ offers Clover Station Duo, Solo, Flex Gen 3, Mini Gen 3, and Go devices with full service support and 24/7 customer assistance.
• SkyTabcoreTechnology or IntegrationSkyTab POS solutions for restaurants, entertainment venues, and retail. Available in mobile, glass, and POS configurations serving full-service dine-in, convenience stores, and franchise operations.
• Authorize.netcoreTechnology or IntegrationAuthorize.net payment gateway for e-commerce, memberships, B2B, HVAC, medical billing, and recurring billing. Part of the virtual terminal and online payment solutions stack.
• WISE Digital PartnerscoreGTM or Marketing PartnerDigital marketing agency partner recommended to merchant clients for website design, SEO, paid media, and content marketing. WISE Digital Partners is nationally acclaimed and award-winning. The Payment HQ powers their payment solutions and refers clients to WISE for marketing services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ThePaymentHQ
• Facebookfacebook.com/thepaymenthq
• LinkedInlinkedin.com/company/thepaymenthq

Compliance1 record

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 The Payment HQ