Plus Payments Llc

What Plus Payments Llc does

Plus Payments LLC is a privately held US payment-processing and merchant-services company headquartered and operating exclusively in the United States. The firm targets small and mid-sized businesses across retail, restaurants, franchises, automotive, courier, healthcare, subscription-based, and e-commerce verticals, with a deliberate specialization in high-risk online merchants that mainstream processors frequently decline or deplatform. Services span core credit/debit card processing plus a free terminal program, hardware distribution, cash-advance financing, chargeback prevention, and an adjunct business-consulting offering covering website development, branding, payroll, accounting/bookkeeping, operational strategy, and SEO.

The technical footprint is a payment-orchestration layer rather than proprietary processing infrastructure: Plus Payments integrates with established gateways (USA ePay, Authorize.net, NMI) and embeds into six-plus e-commerce platforms (Shopify, WooCommerce, BigCommerce, WordPress, Magento, ECWID, plus OpenCart and PrestaShop) using API keys that connect to merchants' existing shopping carts without site modifications. Hardware provisioning leverages partnerships with Clover, Dejavoo, Pax, Verifone, and Ingenico across stationary, wireless, and mobile form factors, complemented by cloud-based virtual terminals that remove hardware dependency. Recurring billing functionality supports subscription merchants, and the firm markets up to 40% fee savings versus average e-commerce gateways alongside 48-hour merchant approval and 24-hour funding.

The business model combines transaction-based interchange/assessment fees from card processing, hardware sales or bundled placement, cash-advance origination economics, and modest professional-services revenue from consulting engagements. Distribution is sales-led: a 5-minute online application feeds an inside-sales team that builds custom packages; conversion is driven by Google Calendar-consultation booking; and a referral/partner program extends reach through commissioned outside sales professionals. Pricing is quote-based by risk tier (low / medium / high) and segment, with no publicly disclosed rate cards.

Name

Plus Payments Llc

Legal name

Plus Payments LLC

Website

https://pluspayments.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Plus Payments LLC is a US-based payment processing and merchant services provider serving small and mid-sized businesses across retail, restaurant, e-commerce, and high-risk verticals, offering card processing, hardware, cash advances, and business consulting with integrations to major shopping cart and gateway platforms.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAMABAA

Integrated Payment Processors (PSP/Acquirer)

Financial & Insurance/Payments & Transaction Processing/Payment Processors & Merchant Acquirers

SECONDARYFSAMABAC

Card-Present Acquirers (Retail & POS Focus)

Financial & Insurance/Payments & Transaction Processing/Payment Processors & Merchant Acquirers

SECONDARYFSAMACAF

Recurring Billing & Subscription Payments Enablement

Financial & Insurance/Payments & Transaction Processing/Payment Gateways & Orchestration

SECONDARYCRAFALAH

Recurring Billing, Subscriptions & Tokenized Payments

Consumer Products & Retail/E-commerce & Marketplaces/Digital Payment Solutions for E-commerce

Keywords

• Payment processing services
• Merchant services
• POS systems
• Ecommerce payment integration
• Business consulting services

Headquarters

HQ city

Charlotte

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees charged to merchants for processing credit/debit card payments. The company offers low/no processing fees and claims merchants can save up to 40% on fees compared to average e-commerce gateways. Supports various risk categories (low, medium, high risk businesses).
2. Business Consulting Services: Consulting services including website shopping cart creation, logo rebranding, payroll services, operational strategy, accounting bookkeeping, and SEO optimization. Free initial consultations offered.
3. Hardware Sales/Leasing: POS systems, countertop terminals, wireless terminals, mobile card readers, and related payment hardware. Equipment available with no upfront costs, potentially bundled with processing agreements.
4. Cash Advance Program: Cash advance program for merchants to help scale their businesses, likely generating revenue through fees or interest on advances.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Plus Payments LLC provides payment processing solutions, merchant services, and business consulting for retail, restaurant, online, and mobile businesses. Its offerings include Clover POS systems, standalone and mobile payment terminals, virtual terminals, e-commerce checkout integrations, and recurring billing, paired with chargeback protection, a cash advance program, and free terminal placement for qualifying merchants.

Product overview

Plus Payments LLC offers a unified payment processing platform designed for merchants across retail, restaurant, e-commerce, and high-risk industries. The core product is Payment Processing Solutions supplemented by specialized modules including Retail/Restaurant Payment Processing for in-store transactions, E-commerce Payment Processing for online merchants, and comprehensive Hardware solutions (Clover POS Systems, Standalone Terminals, Mobile Payment Solutions, and Virtual Terminals). The company also provides add-on services including Chargeback Protection, Cash Advance Program, and Free Terminal Program. For business growth, Plus Payments offers Business Consulting Services covering website creation, logo rebranding, payroll services, operational strategy, accounting bookkeeping, and SEO optimization. The company operates a Referral Partner Program for sales professionals. All components work together to provide merchants with a complete one-stop payment and business management solution.

Differentiator

Problem solved

Functional benefit

Products and services

• Retail Payment Processing Card-present payment acceptance for brick-and-mortar retail merchants, including POS integration and statement-friendly pricing.
• Restaurant Payment Processing Payment acceptance tailored for restaurants and food trucks, including POS and mobile acceptance with tip support.
• E-commerce Payment Processing Card-not-present payment processing for online merchants, with API-based shopping cart integration and recurring billing support.
• Clover POS System Point-of-sale hardware and software bundle placed with qualifying merchants as part of the free terminal program.
• Standalone Payment Terminals Countertop payment terminals placed at no cost as part of the free terminal program, paired with processing services.
• Mobile Payment Solutions Portable card-present acceptance for mobile businesses, food trucks, and field-based service providers.
• Virtual Terminal Web-based terminal that lets merchants key in card-not-present transactions from any computer, supporting phone and mail orders.
• Business Consulting Services Strategic business advisory delivered alongside payment services, including guidance on growth, operations, and risk management.
• Chargeback Protection Program Active chargeback mitigation and fraud prevention services targeted at high-risk e-commerce merchants.
• Cash Advance Program Working-capital advances to qualifying merchants against future processing volume, addressing cash flow gaps.
• Free Terminal Program Placement of Clover POS systems or standalone payment terminals at no upfront cost for qualifying merchants who commit to processing.
• Referral Partner Program Channel program that pays commissions to partners who refer merchants to Plus Payments for processing services.

Quantifiable outcome

• Save up to 40% on payment processing fees
• +1 more outcomes

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature7 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• ShopifycoreTechnology or IntegrationIntegration partnership allowing Plus Payments to connect with Shopify merchants for payment processing. Shopify store owners can integrate Plus Payments, receive fraud protection, and become eligible for cash advance programs to scale their stores. Integration requires no changes to existing Shopify websites.
• WooCommercecoreTechnology or IntegrationIntegration with WooCommerce (WordPress-based e-commerce platform) allowing Plus Payments to process payments for WooCommerce store merchants while maintaining their existing WordPress sites.
• BigCommercecoreTechnology or IntegrationIntegration partnership enabling BigCommerce merchants to save money on payment processing while continuing to use their existing BigCommerce setup.
• WordPresscoreTechnology or IntegrationMultiple integration options available for WordPress users, connecting Plus Payments payment processing to WordPress-based websites and blogs.
• MagentocoreTechnology or IntegrationIntegration for Magento multi-channel commerce platform serving both B2B and B2C customers on a single platform, from catalog to payment to fulfillment.
• ECWIDcoreTechnology or IntegrationIntegration partnership providing ECWID shopping cart users full control over inventory management, pricing, and processing. Solution syncs across all social media platforms and marketplaces.
• USA ePaycoreTechnology or IntegrationPayment gateway partnership enabling merchants to transform shopping carts or Android devices into complete checkout tools with diverse payment options, security features, and inventory management tools.
• Authorize.netcoreTechnology or IntegrationIntegration with Authorize.net allowing merchants to link their existing Authorize.net configuration to process payments faster and more securely. One of the most well-known payment gateways on the market.
• NMI (Network Merchants Inc.)coreTechnology or IntegrationNMI integration optimizes e-commerce platform or shopping cart workflow and customer experience. Provides creative control, advanced features for growth, reduced churn, more recurring revenue, and business management tools.
• Clover POScoreTechnology or IntegrationHardware partnership offering Clover POS systems including Station Solo, Station Duo, Mini, Flex, and Go devices. Range from standalone countertop terminals to wireless payment terminals and mobile devices.
• Payroll Services ProviderminorStrategic or Co-development PartnerPartnership with payroll services to ensure employees are paid on time while business owners focus on growing their business.
• Chargeback Prevention and Mitigation ServicescoreTechnology or IntegrationPartnership with top-tier chargeback preventative and mitigation services to keep merchant accounts healthy and scaling, specifically for high-risk e-commerce accounts.

Scale indicators2 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Helcim: Helcim is a payment processor and merchant acquirer offering interchange-plus pricing, POS, and online checkout to SMBs. Like Plus Payments, it emphasizes transparent, lower-cost processing and supports e-commerce integrations for small merchants.
• Stripe: Stripe is a leading online payment processor offering integrated e-commerce checkout, recurring billing, and fraud tools. Plus Payments competes with Stripe's e-commerce integration capabilities across Shopify, WooCommerce, and BigCommerce merchants.
• Stax: Stax is an integrated payment processor targeting SMBs with subscription-based interchange-plus pricing, POS, and e-commerce integrations. It is a directly comparable merchant acquirer and PSP for the same US SMB segment as Plus Payments.
• Dharma Merchant Services: Dharma Merchant Services is a payment processor and ISO focused on transparent, low-cost processing for SMBs and select high-risk merchants. It is comparable to Plus Payments on customer segment, pricing philosophy, and high-risk e-commerce support.
• Square (Block): Square is the dominant integrated payment processor and merchant acquirer targeting US SMBs across retail, restaurants, and services. Like Plus Payments, it offers POS hardware, e-commerce integrations, and a free terminal program, and competes directly for the same merchant base.
• Host Merchant Services: Host Merchant Services is an ISO/merchant acquirer providing credit card processing, POS, and e-commerce solutions to SMBs and mid-market merchants. It targets the same customer profile with similar interchange-plus and bundled services.
• Fattmerchant: Fattmerchant is an integrated payment processor offering interchange-plus pricing, subscription billing, and POS tools to SMBs. It directly parallels Plus Payments' bundling of processing with software-like value-add services.
• Payment Depot: Payment Depot is a merchant services ISO targeting SMBs with wholesale/interchange-plus pricing and POS solutions. It is one of Plus Payments' most direct SMB-focused competitors in the US card-present and e-commerce acquiring space.

Broad incumbents

• PayPal: PayPal is a broad incumbent in merchant payments, offering checkout, POS (Zettle), recurring billing, and working capital (Working Capital / LoanBuilder) to SMBs. It competes with Plus Payments on online checkout, retail POS, and merchant cash advance.
• Clover (Fiserv): Clover, owned by Fiserv, is a major POS and merchant services platform serving SMBs across retail and restaurants. Plus Payments resells Clover hardware, making Clover both a partner and an indirect competitor for the merchant relationship.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/pluspayments
• FacebookFacebook.com/pluspayments
• Instagraminstagram.com/pluspayments
• LinkedInlinkedin.com/company/pluspayments

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 Plus Payments Llc