acg payments

What acg payments does

ACG Payments, doing business as ACG Payments (legal entity Atlantic Capital Group, LLC), is a private US payments company operating as a Registered ISO-IAD (Independent Sales Organization / Independent ATM Deployer) sponsored by Pueblo Bank & Trust of Pueblo, CO. The company supplies ATM sponsorship, transaction processing, and merchant acquiring services to mid-size ATM deployers and SMB merchants across verticals including restaurants, hotels, gas stations and convenience stores, B2B office parks, and sports facilities.

Its product portfolio is organized around three pillars: ATM deployment (free ATM programs, thru-the-wall ATMs, vault cash, and retail ATMs); ATM processing solutions (sponsorship, wireless communication, reporting automation, and training for mid-size deployers); and merchant services resold through Clover POS systems (discounted card processing, website and mobile payments, website payment gateways, gift card programs, and ACH origination). Underlying technology includes the Switch TMS reporting portal for ATM fleet management and Clover hardware/software integrations, with payment rails provided through TSYS Merchant Solutions and CardConnect (registered ISOs of Wells Fargo, Synovus, First National Bank of Omaha, Deutsche Bank, KeyBank, and BBVA).

ACG's business model is transaction-fee-based across all four revenue streams (ATM processing, Clover POS processing, vault cash, and ACH origination), with quote-based, monthly-billed pricing that is not publicly disclosed. The go-to-market is direct sales via a single toll-free number (800-381-2756), a basic Squarespace-hosted corporate website, and an online 'Let's Work Together' lead form, supplemented by distribution through the Clover marketplace for SMB merchant acquisition. No public revenue, headcount, funding, or leadership disclosures are available in the input data, and the company appears to operate as a small, privately-held LLC with no parent company or venture backing identified.

Name

acg payments

Legal name

Atlantic Capital Group, LLC

Website

https://acgpayments.com

Company type

Private

Operating status

Operating

Short description

ACG Payments (Atlantic Capital Group, LLC) is a US Registered ATM ISO-IAD offering ATM sponsorship, processing, and Clover-based merchant acquiring services to mid-size ATM deployers and SMBs across restaurants, hotels, gas/C-stores, B2B, and sports verticals.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industry

ACH Operator & Clearinghouse Services (FSAMAGAA)

Keywords

• ATM processing services
• Payment processing solutions
• Merchant services
• POS systems
• ATM deployment

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ATM Processing Services: Processing fees and sponsorship services for ATM deployments, supporting mid-size deployers with transaction processing, wireless communication, and reporting automation
2. Point of Sale Processing: Payment processing services for retail businesses using Clover POS systems, including discounted processing rates, website payment gateways, and gift card programs
3. Vault Cash Services: Cash provisioning services for ATM operators
4. ACH Origination: Electronic payment origination services for business transactions

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ACG Payments (Atlantic Capital Group, LLC) operates as a Registered ISO-IAD providing ATM machines and ATM processing services (sponsorship, wireless communication, reporting automation, and training) to mid-size ATM deployers, along with Clover Point of Sale Systems and associated merchant payment processing (discounted processing rates, payment gateways, gift card programs, ACH origination, and vault cash services) for retail, hospitality, fuel, and B2B businesses across the United States.

Product overview

ACG Payments is a registered ATM ISO (Independent Sales Organization) serving the USA, offering a unified payment solutions platform that combines ATM machine deployment with processing services and point-of-sale systems. The core portfolio includes ATM Machines (with programs for Free ATMs, Thru-the-Wall ATMs, Vault Cash Services, and Retail ATMs) and ATM Processing Solutions (supporting mid-size deployers with sponsorship, wireless communication, reporting automation, and training). The company also resells and supports Clover Point of Sale Systems with associated services including discounted processing rates, website/mobile payments, payment gateways, gift card programs, and ACH origination. Additional capabilities include websites for merchants and reporting portals. The company serves diverse vertical markets including restaurants, hotels, gas stations, convenience stores, B2B office parks, and sports facilities.

Differentiator

Problem solved

Functional benefit

Products and services

• ATM Machines

Segments5 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and major.

• Pueblo Bank & TrustcoreStrategic or Co-development PartnerAtlantic Capital Group, LLC is a Registered ISO-IAD (Independent Sales Organization - Independent ATM Dealer) of Pueblo Bank & Trust of Pueblo, CO. This partnership provides the banking authorization and sponsorship necessary for ACG Payments to operate as an ATM ISO and process payment transactions.
• TSYS Merchant SolutionscoreTechnology or IntegrationTSYS is a registered ISO/MSP (Member Service Provider) of Wells Fargo Bank, N.A. (Concord, CA), Synovus Bank (Columbus, GA), First National Bank of Omaha (Omaha, NE), and Deutsche Bank (New York, NY) for Visa and MasterCard transactions. TSYS provides the underlying payment processing infrastructure and network for card transactions.
• CardConnectcoreTechnology or IntegrationCardConnect is a registered ISO of KeyBank, N.A. (Cleveland, OH), Synovus Bank, USA (Columbus, GA), and BBVA USA (Birmingham, AL). CardConnect provides payment processing technology and integration services for merchant transactions.
• ClovermajorTechnology or IntegrationACG Payments offers Clover Point of Sale Systems with discounted processing rates, websites, mobile payments, website payment gateways, and gift card programs. Clover provides the POS hardware and software platform integrated with ACG's processing services.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• NCR Atleos (Cardtronics): NCR Atleos (formerly Cardtronics) is the largest independent ATM operator and sponsor in the U.S., directly comparable to ACG's ATM deployment, sponsorship, and processing services. Both serve mid-size ATM deployers and merchants with cash-access infrastructure.
• Paya (now NMI): Paya (acquired by NMI) is a payments-focused ISO offering card processing and integrated commerce solutions to SMBs across verticals including restaurants, hospitality, and nonprofits — closely matching ACG's merchant services and vertical distribution approach.
• Payment Depot: Payment Depot is a merchant services ISO providing wholesale card-processing rates to SMBs via partner banks — comparable to ACG's transaction-fee-based merchant acquiring model and similar mid-market sales motion.
• CardConnect (Finastra): CardConnect (now part of Finastra) is a payments technology company and registered ISO providing card processing, POS integrations, and gateway services — directly comparable to ACG's processing stack and an explicit partner of ACG.
• North American Bancard: North American Bancard is a large independent payments ISO offering card processing, POS, ATM, and cash management services to SMBs — directly comparable to ACG's bundled ATM + merchant services ISO model.

Broad incumbents

• Heartland Payment Systems (Global Payments): Heartland Payment Systems, owned by Global Payments, is a large SMB-focused merchant acquirer offering POS, payroll, and lending — overlapping significantly with ACG's restaurant and hospitality vertical focus but at much greater scale.
• Square (Block, Inc.): Square (Block) is a dominant SMB payments and POS platform offering card processing, POS hardware, and software to restaurants, retail, and service businesses — a direct competitor to ACG's Clover-based merchant offering, especially for direct-merchant relationships.
• Global Payments Inc. Global Payments is a global merchant acquiring and payment technology giant whose TSYS division supplies the processing rails ACG depends on. It serves the same merchant and ATM/financial institution markets at far greater scale.
• Fiserv (Clover parent): Fiserv owns Clover, the POS platform ACG resells, and is also a major merchant acquirer and bank technology provider. It competes with ACG both upstream (as ACG's underlying technology supplier) and downstream (via direct merchant relationships).
• EVO Payments (Global Payments): EVO Payments (acquired by Global Payments) provides integrated payment processing for SMBs and mid-market merchants across hospitality, restaurant, and retail verticals — directly overlapping ACG's vertical segmentation and ISO-style go-to-market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/acgpayments-com

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 acg payments