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Freedompay

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?

HQPhiladelphia, PA, United States
IndustryInfrastructure / Payments
The story

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.

Last 12 months
2024-10
2024
2026-02
2026-03
Product timeline
2023
FreedomPay partnered with Citi Retail Services to enable Citi Pay point-of-sale lending and digital credit card products at merchant checkout.· lending
2024
FreedomPay announced a strategic partnership with Stripe to offer enterprises unified commerce combining FreedomPay's payment gateway with Stripe's online payments.· pivot
2024
FreedomPay expanded its acquirer partnership with Worldpay, enabling merchants to process across ~225 markets in 146 countries.· banking
2026
FreedomPay partnered with Merchant Rentals (PayPoint Group) to offer flexible POS hardware financing and leasing to merchants.· lending
2026
FreedomPay, Propelr, and DRIVE partnered to embed payment acceptance and waterfall credit options into automotive shop software via DrivePay.· lending
The stack
Payments / PSP
StripeWorldpayFreedomPay (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)Waterfall credit options for merchants (DrivePay via Propelr)
Accounting gap: minor