“Can a customizable, white-label payment processing company capture ISO, ISV, and SMB merchant-services market share by offering a fully branded, API-driven acquiring stack?”
FullPayment (fullpay.com) is a merchant-services and payment processing company targeting small to mid-sized retailers and eCommerce businesses. It offers customizable credit card processing, point-of-sale, online, and mobile payment solutions alongside a white-label framework and ISO/agent program. The company positions itself as filling the gap left by traditional banking and processing providers, with revenue estimated between $50M–$100M.
Fullpay discloses Pathward as its banking provider, with Wells Fargo Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Fullpay does not disclose a bank charter of its own; its banking services are provided through Wells Fargo Bank.
Fullpay processes payments through FullPayment (self-operated).
The Embedded Finance Index 2026 maps 3 layers in Fullpay's stack: Payments / PSP (FullPayment (self-operated)); Banking / BaaS (Pathward); Sponsor bank (Wells Fargo Bank).
Fullpay is headquartered in Michigan, US.
Get a read on where your own stack stands against Fullpay 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.