# Payload

**Source:** https://www.startuphub.ai/startups/payload
**Profile type:** Startup

> Embedded payments platform that allows businesses to integrate payment processing directly into their existing software, focusing on making payments invisible and seamless for users.

## About

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.

## Key facts

- **Slug:** payload
- **Website:** https://www.payload.co
- **Location:** Cincinnati, United States
- **Founded:** 2019-01-01
- **Employees:** 13
- **Operating status:** Active
- **Sectors / tags:** Fintech, Payments, Embedded Finance, Real Estate Tech, Digital Payments, API Platform, LegalTech, Enterprise Software, Workflow Automation
- **Social:**
  - LinkedIn: https://www.linkedin.com/company/gopayload
  - GitHub: https://github.com/payload-code
  - Facebook: https://www.facebook.com/payloadpayments

## Frequently asked

### 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.

## JSON-LD

Structured data aligned with this page's `<script type="application/ld+json">` (included when the profile is server-rendered).

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "BreadcrumbList",
      "itemListElement": [
        {
          "@type": "ListItem",
          "position": 1,
          "name": "Home",
          "item": "https://www.startuphub.ai"
        },
        {
          "@type": "ListItem",
          "position": 2,
          "name": "Startups",
          "item": "https://www.startuphub.ai/startups"
        },
        {
          "@type": "ListItem",
          "position": 3,
          "name": "Payload",
          "item": "https://www.startuphub.ai/startups/payload"
        }
      ]
    },
    {
      "@type": "ProfilePage",
      "@id": "https://www.startuphub.ai/startups/payload#webpage",
      "url": "https://www.startuphub.ai/startups/payload",
      "name": "Payload - AI Startup Profile | StartupHub.ai",
      "description": "This is the official profile of Payload. Payload is a startup founded in 2019, operating in Fintech and Payments. Embedded payments platform that allows businesses to integrate payment processing directly into their existing software, focusing on making payments invisible and seamless for users. Headquartered in Cincinnati, United States. The company has approximately 13 employees.",
      "dateModified": "2026-08-22T06:15:23.591+00:00",
      "mainEntity": {
        "@id": "https://www.startuphub.ai/startups/payload#organization"
      }
    },
    {
      "@type": "Organization",
      "@id": "https://www.startuphub.ai/startups/payload#organization",
      "name": "Payload",
      "url": "https://www.payload.co",
      "logo": "https://cdn.startuphub.ai/storage/v1/object/public/entity-images/logos/360f5200-314f-410a-8546-ce2285848a27-square.webp",
      "image": "https://cdn.startuphub.ai/storage/v1/object/public/entity-images/logos/360f5200-314f-410a-8546-ce2285848a27-square.webp",
      "description": "This is the official profile of Payload. Payload is a startup founded in 2019, operating in Fintech and Payments. Embedded payments platform that allows businesses to integrate payment processing directly into their existing software, focusing on making payments invisible and seamless for users. Headquartered in Cincinnati, United States. The company has approximately 13 employees.",
      "sameAs": [
        "https://www.linkedin.com/company/gopayload",
        "https://github.com/payload-code",
        "https://www.facebook.com/payloadpayments",
        "https://www.startuphub.ai/startups/payload"
      ],
      "foundingDate": "2019-01-01",
      "numberOfEmployees": {
        "@type": "QuantitativeValue",
        "value": 13
      },
      "address": {
        "@type": "PostalAddress",
        "addressLocality": "Cincinnati",
        "addressCountry": "US"
      },
      "knowsAbout": [
        "Fintech",
        "Payments",
        "Embedded Finance",
        "Real Estate Tech",
        "Digital Payments",
        "API Platform",
        "LegalTech",
        "Enterprise Software",
        "Workflow Automation"
      ]
    }
  ]
}
```