Payor

What Payor does

Payor is a US payment processing solutions provider headquartered at 1001 Wilshire Boulevard #1400, Los Angeles, CA 90017, with corporate governance under Tennessee law. The company sells payment acceptance services to merchants across both mainstream low-risk segments and high-risk or "hard-to-place" verticals that are frequently declined or de-banked by larger acquirers. Its operating footprint is single-country (United States), and its go-to-market is an inside-sales motion rather than a direct field sales force or self-serve online signup.

The product stack is a reseller/integrator model rather than a proprietary processing platform. Payor distributes third-party PCI PTS-certified terminals — the Clover Flex 3rd Gen, Newland N910, Poynt C, and PAX A920 Pro — and pairs them with merchant acquiring and software services. No first-party processing engine, proprietary gateway, or in-house risk/underwriting technology is evident in the disclosed data; certification and feature value reside with the hardware vendors (e.g., Clover/Fiserv).

Revenue is generated from three streams: per-transaction processing fees, recurring subscription plans, and outright hardware sales. Customers enter into subscription-style agreements governed by Payor's posted Terms & Conditions, and support is delivered through Zendesk (ZopimChat). The firm operates with 11-50 employees, lists only one named manager (Tyler Juarez), discloses no parent company, no funding rounds, no M&A activity, no patents, and no product awards — consistent with a small, privately-held independent sales organization (ISO) / reseller rather than a scaled payments platform.

Name

Payor

Legal name

Payor

Website

https://getpayor.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Payor is a US payment processing reseller that distributes third-party PCI PTS-certified terminals (Clover, Newland, Poynt, PAX) and subscription plans to high-risk, low-risk, and hard-to-place merchants via an inside-sales motion.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Wholesale-Computers & Peripheral Equipment & Software (5045), Wholesale-Professional & Commercial Equipment & Supplies (5040)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industry

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Payment processing services
• Merchant services
• POS terminals
• Credit card processing
• High-risk merchant processing

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction Processing Fees: Payor charges transaction fees for processing credit/debit card payments, digital wallets, and online transfers. The company states they keep it simple and charge the lowest transaction fees possible with transparent pricing and no hidden charges.
2. Subscription Plans: Monthly or annual subscription plans tailored to fit business needs. Longer lease terms (12, 24, 36, or 48 months) are available as non-cancelable commitments. Payments are collected upfront and are non-refundable.
3. Payment Terminal Hardware Sales: Sale of payment hardware including Clover Flex 3rd Generation, Newland N910, Poynt C, and PAX A920 Pro terminals with various specifications and capabilities for different business types.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Payor provides payment processing solutions for businesses, enabling them to accept credit/debit cards, digital wallets, and contactless payments both in-person via POS terminals and online via e-commerce integrations. The company specializes in serving high-risk, low-risk, and hard-to-place industries that may struggle to obtain merchant services from traditional providers. Payor offers a portfolio of payment terminals (Clover Flex, Newland N910, Poynt C, PAX A920 Pro) along with merchant account setup, subscription-based processing plans, and integration support.

Product overview

Payor provides a unified payment processing platform with a portfolio of hardware terminals and merchant services. The core offering includes payment processing infrastructure for in-person and online transactions, complemented by four supported terminal models (Clover Flex 3rd Generation, Newland N910, Poynt C, and PAX A920 Pro) that enable businesses to accept credit/debit cards, digital wallets, and contactless payments. The solution supports both low-risk and high-risk industries with tailored payment solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Payor Payment Processing Services Subscription-based payment processing service for businesses that enables in-person POS transactions and online checkout experiences, including merchant account approval, integration with e-commerce platforms and POS systems via APIs and plug-ins, and real-time dashboard access. Serves both high-risk and low-risk merchants with 24-48 hour onboarding and dedicated merchant support.
• Clover Flex 3rd Generation A mobile, handheld payment terminal running on Clover OS (Android-based) with a rugged build, high-resolution touchscreen, embedded barcode reader, and EMV chip reader. Supports Wi-Fi, LTE, and Bluetooth connectivity along with contactless payments including NFC, Apple Pay, and Google Pay. PCI PTS certified. For businesses needing portable in-person payment acceptance.
• Newland N910 A compact handheld payment terminal optimized for retail and logistics settings, featuring a 2.8-inch color screen, 2D barcode scanner, Android 8.1 OS, and support for magnetic stripe, EMV chip, and NFC/contactless payments. For retail and logistics businesses.
• Poynt C An elegant, compact combination payment terminal with a 7-inch HD touchscreen display, integrated EMV chip reader, magnetic stripe reader, and NFC contactless acceptance. Features Wi-Fi, Ethernet, and Bluetooth connectivity on an Android-based OS. Designed for contemporary retail and hospitality spaces.
• PAX A920 Pro A high-end, all-in-one payment terminal with a 7-inch HD touchscreen, built-in thermal receipt printer, octa-core processor, and support for EMV chip cards, magnetic stripe, and contactless payments. Features Wi-Fi, 4G LTE, and Bluetooth connectivity. Designed for businesses needing a complete countertop checkout solution.

Quantifiable outcome

• Most businesses can get set up and start accepting payments within 24-48 hours after account approval

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• Credit Card Processing CompaniescoreTechnology or IntegrationPayor uses third-party credit card processing companies to bill customers for services. These organizations don't hold, share, store, or use personally identifiable information for any other purposes besides payment processing for Payor.
• Clover (Fiserv)coreTechnology or IntegrationPayor offers Clover Flex 3rd Generation terminals which run on Clover OS (Android-based). The device supports EMV chip, magnetic stripe, NFC/contactless payments with PCI PTS certification.
• Newland PaymentcoreTechnology or IntegrationPayor offers Newland N910 handheld payment terminals optimized for retail and logistics settings with Android 8.1 OS, 2D barcode scanning, and multi-payment support.
• PoyntcoreTechnology or IntegrationPayor offers Poynt C combination payment terminals featuring a 7-inch HD touchscreen, Android-based OS, and integrated capabilities for contemporary retail and hospitality spaces.
• PAX TechnologycoreTechnology or IntegrationPayor offers PAX A920 Pro all-in-one payment terminals with 7-inch HD touchscreen, built-in thermal receipt printer, octa-core processor, and support for EMV, magnetic stripe, and contactless payments.

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• PayPal: Global payments platform with merchant acquiring, Braintree, and POS solutions. Competes with Payor across both online and in-person SMB payment acceptance.
• Block (Square): Major SMB POS and payments incumbent offering hardware terminals (Square Reader, Register), software, and banking. Directly overlaps with Payor's POS terminal and SMB payments offering.
• Adyen: Enterprise-grade global payment processor offering unified online, in-store, and platform acquiring. Operates broader than Payor but competes for the same merchant payment volumes.
• Stripe: Dominant online payment processor with broad merchant acquiring, developer APIs, and global reach. While not a high-risk specialist, it competes with Payor's online checkout and standard-merchant offerings.

Direct peers

• PaymentCloud: US payment processor that, like Payor, specializes in high-risk and hard-to-place merchants with multi-terminal offerings and quick underwriting. Operates in the same niche with very similar go-to-market.
• Helcim: SMB-focused payment processor offering transparent pricing, POS hardware, and online checkout, comparable to Payor's low-risk vertical with similar transparent-fee positioning.
• Durango Merchant Services: High-risk payment processing specialist offering merchant accounts, chargeback management, and gateway integrations to verticals similar to Payor's primary segment.
• HighRiskPay: Specialized high-risk merchant account provider selling payment processing and POS hardware to industries mainstream acquirers reject. Closely comparable customer base and value proposition to Payor's high-risk segment.
• Host Merchant Services: Payment processor serving both standard and high-risk merchants with transparent interchange-plus pricing and POS hardware, comparable to Payor's bundled offering and pricing posture.

Others

• Fiserv (Clover): Owner of the Clover OS that powers one of Payor's flagship terminals; also a direct merchant acquirer and POS provider. Comparable as both a technology partner and a much larger adjacent competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GetPayor
• Facebookfacebook.com/getpayor
• LinkedInlinkedin.com/company/get-payor

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 Payor