“Can a small merchant services reseller build stickier merchant relationships by bundling payment processing with ancillary services like payroll and merchant cash advances?”
Datafi Payments Inc. is a small merchant services company (ISO/agent) that resells payment processing and adjacent services — including POS hardware (Clover), merchant cash advances, and payroll referrals — to small and mid-sized businesses. The company relies on upstream processor partnerships (First Data/Fiserv) rather than building proprietary infrastructure, and operates as a distributor within that ecosystem.
Datafi Payments discloses Wells Fargo Bank as its banking provider, according to the Embedded Finance Index 2026.
Datafi Payments does not disclose a bank charter of its own; its banking services are provided through Wells Fargo Bank.
Datafi Payments processes payments through First Data (Fiserv).
The Embedded Finance Index 2026 maps 3 layers in Datafi Payments's stack: Payments / PSP (First Data (Fiserv)); Banking / BaaS (Wells Fargo Bank); Lending (Merchant cash advance).
Datafi Payments is headquartered in United States.
Get a read on where your own stack stands against Datafi Payments 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.