Signapay
“Can a registered ISO build a full-stack merchant financial services platform by layering lending, dual pricing, and ACH on top of multi-bank card acceptance?”
HQIrving, TX 75063, USA
IndustryInfrastructure / Payments
The story
SignaPay operates as a registered ISO (Independent Sales Organization) providing merchant services and payment processing to SMBs in the US and Canada. The company has expanded beyond card acceptance to offer a suite of merchant-facing financial products including dual-pricing (PayLo), merchant cash advances via SignaCash, and ACH payments. It relies on multiple sponsor banks — Esquire Bank, Commercial Bank of California, Chesapeake Bank, and Synovus Bank — to underwrite card acceptance, operating as a payment facilitator and ISO rather than a licensed bank.
Last 12 months
—
Product timeline
2013
Offered merchant cash advances based on future credit card transaction factoring.· lending
2018
Launched Merchant Benefits Club (procurement discounts), SignaCash (multi-lender cash advance marketplace), and ACH Payments.· lending
2018
Formalized partner bank relationships with Esquire Bank, Commercial Bank of California, and Chesapeake Bank as acquiring/sponsor banks for merchant processing.· banking
Regulated entities
1
regulatory licence held by Signapay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Signapay’s embedded-finance stack
Money movement
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: significant
4 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.