“Can FreedomPay own the payment orchestration layer across every enterprise commerce channel — becoming the indispensable gateway hub that connects merchants to any acquirer, lender, or financial service without displacing incumbent processors?”
FreedomPay operates as the world's largest independent payment gateway and positions itself as an open, agnostic payment orchestration platform serving enterprise merchants across 80+ countries. Originally focused on gateway and tokenization services, FreedomPay has progressively layered commerce-enabling financial services — including point-of-sale lending (Citi Pay), hardware financing (Merchant Rentals/Liberis), and unified online+in-person commerce (Stripe partnership) — onto its core gateway infrastructure. The company's strategic angle is owning the commerce layer across channels without displacing acquirers, instead becoming an orchestration hub that connects merchants to any acquirer, PSP, or value-added financial service.
Freedompay processes payments through Stripe, Worldpay and FreedomPay (self-operated payment gateway).
The Embedded Finance Index 2026 maps 2 layers in Freedompay's stack: Payments / PSP (Stripe, Worldpay and FreedomPay (self-operated payment gateway)); Lending (Point-of-sale installment lending (Citi Pay), Point-of-sale digital credit card (Citi Pay), POS hardware financing and leasing (Merchant Rentals/PayPoint) and Waterfall credit options for merchants (DrivePay via Propelr)).
Freedompay is headquartered in Philadelphia, PA, United States.
Get a read on where your own stack stands against Freedompay 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.