Payload
Payload31
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What does Payload do?
Payload is a financial technology platform founded in 2019 by fintech veterans Ian Halpern and Ryan Rybolt. It automates the flow of incoming and outgoing payments across numerous industries, including real estate, legal, and professional services. The platform offers a unified, API-driven solution for ACH, card network, and real-time payments, aiming to simplify complex payment workflows and reduce the burden of PCI, KYC, and risk monitoring for businesses and software platforms.
Is Payload trustworthy and reputable?
StartupHub's Data Trust & Reputation score for Payload is 95 out of 100, based on site security posture and privacy practices.
What is Payload's revenue?
StartupHub estimates Payload's annual revenue at $3.2M (range $1.9M to $6.7M, 66% confidence), based on comparable companies in the sector.
What is Payload's valuation?
StartupHub estimates Payload's effective valuation at $497.8M (range $348.4M to $647.1M, 28% confidence), based on comparable companies in the sector.
Where is Payload headquartered?
Payload is headquartered in Cincinnati, United States.
When was Payload founded?
Payload was founded in 2019.
What industry does Payload operate in?
Payload operates in Fintech, Payments, Embedded Finance, Real Estate Tech, Digital Payments, API Platform.
How many employees does Payload have?
Payload has approximately 13 people on record.
Payload partners with J.P. Morgan for its payment solutions, but J.P. Morgan also offers its own payment processing services that could compete with Payload's direct offerings to larger enterprises.
Fiserv, through its Clover platform, provides payment processing and business management solutions to small and medium-sized businesses, which could overlap with Payload's SMB offerings.
Square, a Block Inc. company, offers payment processing hardware and software for businesses of all sizes, directly competing with Payload's payment acceptance and management tools.
eXp Realty is an existing customer that utilizes Payload for a unified, digital payments experience for real estate transactions.
SkySlope has partnered with Payload Keybox for faster earnest money deposits, indicating a need for streamlined real estate payment solutions.
HoneyBook, a platform for creative entrepreneurs, could integrate Payload's embedded payments to offer seamless invoicing and payment collection for its users.
AppFolio, a property management software provider, could leverage Payload's platform to automate rent collection, security deposits, and other property-related payments.
Clio, a cloud-based legal practice management software, could integrate Payload's specialized legal payment solutions for IOLTA accounts, invoicing, and co-counsel payments.
Buyer fit inferred by StartupHub from what Payload sells and public signals about each company. Only rows badged "already a customer" are confirmed relationships.
JPMorgan Chase, already a banking provider for Payload, could acquire the company to further integrate its embedded payment capabilities and expand its fintech offerings for complex industries.
Fifth Third Bank, an investor in Payload, could acquire the company to deepen its embedded payments platform and expand its reach across software ecosystems and industry verticals.
Stripe could acquire Payload to enhance its embedded finance capabilities, particularly in specialized verticals like real estate and legal payments, and to offer more robust solutions for complex payment workflows.
Precedent: Acquired Paystack, 2020
Fiserv could acquire Payload to strengthen its position in embedded payments and expand its offerings to businesses seeking to integrate payment processing directly into their software.
Precedent: Acquired First Data, 2019
Strategic fit inferred by StartupHub from each buyer's own acquisition history. No deal, approach or discussion is implied.
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An entrant is a company tagged Payments whose domain was first registered in the window, counted from registry records in the StartupHub directory. 10 of them registered in the last 30 days. Registry detection runs two to three weeks behind registration, so recent weeks are a floor.
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