Lattice

What Lattice does

Lattice (legal entity: Lattice Intelligence, Inc., Delaware C-corp) is an early-stage embedded payments infrastructure company headquartered in Austin, Texas, with the website also listing Brooklyn, New York. Founded in 2025, the company operates with a 1-10 person team and positions itself as 'the open standard for embedded payments,' providing vertical SaaS platforms, payment facilitators, merchant acquirers, and ISOs with a single API that unlocks seven payment categories: cards/processors, digital wallets, buy-now-pay-later, crypto and stablecoins, pay-by-bank, peer-to-peer, and gateways. The stack is delivered through the Lattice Platform, the Lattice REST API, and an Integrator Portal offering sandbox credentials, pre-built UI components, JavaScript SDKs, and integration guides designed to enable first API calls in under one day.

The product's technical centerpiece is an intelligent routing layer that, according to Lattice, uses AI agents and structured transaction data to optimize processor selection by cost, approval rate, and reliability in real time, alongside cross-method retry and fallback logic. Integration coverage spans named processors (Global Payments, Fiserv, Stripe, Square, Braintree, Worldpay, NMI) and payment methods (Apple Pay, Google Pay, PayPal, Venmo, Klarna, Affirm, Afterpay, Coinbase, Trustly). Monetization is transaction-based with example rates of 2.9% plus $0.30 for card transactions and 0.5% flat for stablecoin settlements.

Go-to-market combines enterprise field sales, an API-first developer motion with sandbox access, and a structured channel/partner program. Primary use cases span auto repair, med spas, equipment rentals, eCommerce, retail, mobile payments, on-demand services, B2B SaaS, freight, utilities, and subscriptions. Named operational touchpoints include a partnership with Daya (a Nigerian fintech in which Lattice also invested as part of a $2.4M pre-seed), participating alongside Hivemind Capital, the Aptos Foundation, and HashKey MENA in a cross-border Africa-UAE stablecoin corridor pilot. The company's About page displays '0+ Vertical SaaS Platforms Served' and '0+ Merchants Reached' as placeholder metrics, and the disclosed primary funding is $950,000, indicating the company is in a pre-traction or very early go-to-market phase with no publicly disclosed revenue, transaction volume, or customer counts.

Name

Lattice

Legal name

Lattice Intelligence, Inc.

Website

https://latticepay.io

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Lattice is an early-stage embedded payments infrastructure company providing vertical SaaS platforms, payment facilitators, and merchants single-API access to seven payment categories with AI-driven smart routing, take-rate pricing, and go-to-market via enterprise sales, developer sandbox, and channel partners.

Ownership category

akta.pro rank

Product category

Embedded Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming Services (7371)

akta.pro primary industry

Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ)

akta.pro secondary industry

Crypto Payment Gateways & Checkout APIs (FSADAIAA)

Keywords

• Embedded payments infrastructure
• Payment orchestration API
• Multi-processor routing
• Payment method aggregation
• Vertical SaaS payments

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Lattice charges a percentage and per-transaction fee on payments processed through their infrastructure. Example rates include 2.9% + $0.30 for standard card transactions and 0.5% flat for stablecoin settlements. Revenue is earned as a take-rate on each transaction routed through their platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Lattice provides an intelligent embedded payments infrastructure layer that unifies multiple payment processors (Global Payments, Fiserv, Stripe, Square, Braintree, NMI, Worldpay) and acceptance methods (cards, digital wallets, BNPL, crypto/stablecoins, pay-by-bank, peer-to-peer, and gateways) behind a single API integration for SaaS platforms and their merchant end-customers. The platform combines AI-driven smart routing, retry/fallback logic, and checkout optimization agents to maximize authorization rates, conversion, and per-transaction cost efficiency in real time. Developers integrate once via the Lattice API and Integrator Portal using pre-built UI components and SDKs, with first API call typically achieved in under one day.

Product overview

Lattice is an intelligent embedded payments infrastructure platform that provides unified access to multiple payment methods through a single API integration. The core Lattice Platform connects platforms and businesses to 7 payment categories (Cards/Processors, Digital Wallets, BNPL, Crypto+Stablecoins, Pay by Bank, Peer to Peer, and Gateways) via integrations with processors like Fiserv, Global Payments, Stripe, Square, Braintree, and NMI, as well as wallet providers like Apple Pay, Google Pay, PayPal, and Venmo, BNPL providers like Affirm, Klarna, and Afterpay, crypto via Coinbase, and pay-by-bank via Trustly. The platform is accessed through the Lattice API and Integrator Portal, with intelligent routing and optimization powered by AI agents. Platforms integrate once and can activate payment methods self-serve, with the integration continuously expanding as new providers emerge.

Differentiator

Problem solved

Functional benefit

Products and services

• Lattice Platform Intelligent embedded payments infrastructure that provides unified access to multiple payment methods (cards, wallets, BNPL, crypto, pay-by-bank, P2P, gateways) through a single API integration for SaaS platforms and the businesses they serve. Built for vertical SaaS platforms, payment facilitators, merchant acquirers, and ISOs.
• Lattice Integrator Portal Developer portal providing sandbox credentials, API access, pre-built UI components, integration SDKs (JavaScript), and step-by-step guides for integrating Lattice payment capabilities. Average time to first API call is under one day.
• Lattice API RESTful API enabling platforms to access and integrate payment methods including cards, digital wallets, BNPL, crypto/stablecoins, pay-by-bank, and peer-to-peer payments through a single integration. Supports processors such as Global Payments, Fiserv, Stripe, Square, Braintree, NMI, and Worldpay, with intelligent routing for cost and approval optimization.

Quantifiable outcome

• 34% YoY revenue growth for platforms using modern payment methods
• +6 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability5 records

Feature6 records

Partnerships

16 partnerships are on record, tiered minor and core.

• HashKey MENAminorStrategic or Co-development Partner · 24 June 2026HashKey MENA collaborated with Daya and Aptos Foundation on a pilot stablecoin payment corridor project. Lattice's technology enables the payment infrastructure layer for these cross-border stablecoin initiatives.
• Global PaymentscoreTechnology or IntegrationGlobal Payments is one of the primary payment processors integrated into Lattice's unified infrastructure layer. Platforms accessing Lattice can route transactions through Global Payments alongside other processors.
• FiservcoreTechnology or IntegrationFiserv is a core payment processor integrated into Lattice's infrastructure. Example pricing (2.4% per transaction) is shown on the platform website for Fiserv routing optimization.
• StripecoreTechnology or IntegrationStripe is integrated as a payment processor within Lattice's unified infrastructure layer, enabling platforms to route transactions through Stripe's payment processing network.
• SquarecoreTechnology or IntegrationSquare is integrated as a payment processor available through Lattice's single API integration for platforms and their merchants.
• BraintreecoreTechnology or IntegrationBraintree (PayPal's payment processing platform) is available as a processor integration within Lattice's payment infrastructure layer.
• KlarnacoreTechnology or IntegrationKlarna is one of the BNPL providers accessible through Lattice's unified payment integration. Platforms can enable Klarna's pay-over-time options for merchants without additional integration work.
• AffirmcoreTechnology or IntegrationAffirm is available as a BNPL payment method through Lattice's integration layer, enabling platforms to offer pay-over-time options with higher approvals on large ticket purchases.
• PayPalcoreTechnology or IntegrationPayPal wallet and checkout options are accessible through Lattice's platform integration, providing platforms access to PayPal's digital wallet ecosystem.
• VenmocoreTechnology or IntegrationVenmo peer-to-peer wallet is integrated as a payment method through Lattice, enabling platforms to offer Venmo as a checkout option for merchants.
• CoinbasecoreTechnology or IntegrationCoinbase wallet is available as a crypto payment option through Lattice's integration, enabling stablecoin and crypto payment acceptance for platforms.
• Apple PaycoreTechnology or IntegrationApple Pay digital wallet is integrated through Lattice, enabling faster mobile payment flows and improved conversion on phones for platform merchants.
• Google PaycoreTechnology or IntegrationGoogle Pay is available as a digital wallet integration through Lattice's unified payment infrastructure for platform merchants.
• TrustlycoreTechnology or IntegrationTrustly pay-by-bank service is integrated as a low-cost payment method option through Lattice, particularly used for B2B and cross-border payments.
• AfterpaycoreTechnology or IntegrationAfterpay BNPL is available as a payment method through Lattice's integration, enabling pay-over-time options for merchants.
• WorldpaycoreTechnology or IntegrationWorldpay is one of the payment processors available for intelligent routing through Lattice's infrastructure (example rate shown: 2.7% per transaction).

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Finix: Finix provides embedded payments infrastructure for vertical SaaS platforms, including payment facilitator-as-a-service and routing capabilities — targeting the same vertical SaaS customer segment as Lattice.
• Gr4vy: Gr4vy offers a cloud-based payment orchestration platform with no-code routing rules, multi-processor connectivity, and merchant token vaults — directly competing for the same vertical SaaS and platform buyer that Lattice targets.
• Primer: Primer provides payment orchestration infrastructure letting businesses route and optimize transactions across multiple processors and payment methods via a unified API — a direct functional competitor to Lattice's core orchestration value proposition.
• Spreedly: Spreedly offers a payment orchestration and vault platform enabling businesses to connect to multiple gateways and payment methods through a single integration — a long-standing direct competitor to Lattice's multi-method acceptance engine.
• Payrails: Payrails builds payment infrastructure for platforms, providing unified APIs for accepting, orchestrating, and optimizing payments across methods — overlapping closely with Lattice's embedded payments platform positioning.
• Cellpoint Digital: Cellpoint Digital provides a payment orchestration platform that unifies multiple PSPs, acquirers, and alternative payment methods through a single integration — directly comparable to Lattice's intelligent routing and orchestration layer.

Broad incumbents

• Stripe Connect: Stripe Connect offers embedded payments for platforms as part of Stripe's broader payments suite, with multi-method acceptance and routing — competing with Lattice directly while also being a downstream processor Lattice integrates with.
• Checkout.com: Checkout.com provides a global payment processing platform with intelligent routing, optimization, and broad method acceptance — a broad incumbent competing for the same platform and large-merchant buyers as Lattice.
• Adyen: Adyen is a global payments platform offering unified processing, optimization, and method aggregation for large enterprise merchants — competing in the broader orchestration and multi-method acceptance space Lattice targets.

Emerging players

• Basis Theory: Basis Theory provides payment infrastructure primitives (tokenization, vaulting, and orchestration APIs) for platforms building payment experiences — an emerging competitor with partial overlap in the embedded payments infrastructure layer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/joinlattice

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors1 record

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 Lattice