PayEngine

We offer a platform for vertical market software companies to monetize revenue and manage merchant and processor relationships. Our tools allow clients to set their rates over interchange, control margins, and keep most of the profits. We also help eliminate merchant of record liability and ensure a smooth customer experience through our onboarding and underwriting processes.

Our core solutions include middleware orchestration, which enables tiered pricing and competitive buy rates. We also offer a PCI/PII vault solution. This allows you to store credit card and PCI/PII data directly, preventing processor lock-in and giving you flexibility with processor or billing term changes. For mobile payments, we provide a Tap-to-Pay solution that works on mobile phones without special hardware.

We help clients migrate from existing processors using gateway-only modes and API emulation. We also provide universal onboarding tools with operator assist for merchant setup and operational support. Our platform handles complex or split payouts, wallet features, and integrations for consolidated reporting.

We offer branded payment devices for an omni-commerce experience, handling all required certifications. We provide processor optionality and tokenization, so you can control which processors handle specific merchants or transaction types. You can also tokenize data with our internal vaults. Consolidated reporting is available through our middleware ledger, which combines data from various processors and payment types.

We provide integration tools for No Code, Low Code, and Full API integrations, including drop-in widgets and Zapier support. We specialize in payments, financial services, fintech, SaaS, vertical SaaS, and B2B2C. We operate within the financial services industry and currently have 1-10 employees.

Our team consists of payments experts, vertical SaaS founders, technical specialists, and operations professionals. We focus on providing clients with the expertise they need to concentrate on their core products, effectively serving as the fintech arm for SaaS businesses.

Our leadership includes Spartak Buniatyan (CEO & Founder), Shalav Gupta (Chief Product Officer), Rashid Kamran (CTO), and Shobhit Kumar (Head of Strategic Sales). Our culture centers on deep domain expertise, operational excellence, and creating positive experiences for both our clients and their customers. We aim to give clients greater control over their payment operations.