← Embedded Finance Index 2026

Paymentclub

“Can a small ISO/payments company expand from merchant acquiring into a full embedded finance stack — combining POS software, banking, and capital — to become the one-stop financial platform for SMB merchants?”

HQNorth Miami Beach, Florida, USA
FoundersAnthony Kutscher, Alexander Ilinski
IndustryInfrastructure / Payments
The story

Paymentclub operates as an ISO/payment facilitator program targeting merchants, ISOs, and software partners in the US. The company offers a ClubPOS software suite, an online payments product, and a ClubZero surcharge program, positioning itself as a full-stack merchant services provider. It has announced an embedded banking/BaaS product (still on waitlist as of 2023) powered by Evolve Bank & Trust, Esquire Bank, and Wells Fargo. The company has a wholesale ISO/BIN program allowing portfolio portability, reflecting its roots in the agent/ISO channel rather than direct consumer fintech.

Last 12 months
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Product timeline
2023
Launched ClubPOS point-of-sale software product and ClubZero surcharge/cash-discount program for merchants.· pivot
2023
Announced Banking Services customer page (waitlist) integrating payments, banking, and cash-flow tools in one platform.· banking
The stack
3 layers disclosed in Paymentclub’s embedded-finance stack
Payments / PSP
Evolve Bank & Trust (acquiring/sponsorship)Esquire Bank (acquiring/sponsorship)Wells Fargo Bank (acquiring/sponsorship)
Banking / BaaS
in the full report
Sponsor bank
in the full report
Accounting gap: critical
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.