“Can a transparency-first payments processor become the full financial operating system for SMB automotive and service businesses?”
Founded as a transparent, fee-honest credit card processor targeting small businesses, 360 Payments built early credibility in the automotive repair shop vertical. By 2021, leveraging its merchant relationships, the company layered in embedded capital via Parafin—becoming a financial services partner, not just a processor. Most recently, 360 Payments launched a branded spend card (powered by Marqeta/Column N.A.) and cash account, signaling an evolution toward a fuller SMB financial services stack.
360 Payment Solutions discloses Column as its banking provider, with Column N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
360 Payment Solutions does not disclose a bank charter of its own; its banking services are provided through Column N.A..
360 Payment Solutions processes payments through 360 Payments (self-operated), First Data and TSYS.
360 Payment Solutions's cards are issued through Marqeta.
The Embedded Finance Index 2026 maps 6 layers in 360 Payment Solutions's stack: Payments / PSP (360 Payments (self-operated), First Data and TSYS); Banking / BaaS (Column); Card issuing (Marqeta); Lending (360 Capital, Merchant Cash Advance (MCA), Term loan, Flex loan and 1 other); Sponsor bank (Column N.A.); Spend / AP (Parafin and Marqeta).
360 Payment Solutions is headquartered in 197 E Hamilton Ave, Ste. 102, Campbell, CA 95008.
Get a read on where your own stack stands against 360 Payment Solutions and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.