“Can a high-risk-friendly payment processor expand into embedded corporate card issuance and white-label payment infrastructure to become a full-stack payments OS for SMBs?”
Founded in 2014, TCB Pay began as a merchant payment processing company targeting high-risk and standard verticals. Over time it expanded its product suite to include ACH processing, white-label payment gateways, and e-commerce solutions. Most recently it launched a corporate card issuance API (TCB Pay Issuing) in early 2025, signaling a strategic move from pure payment processing into embedded corporate card and spend-management infrastructure.
Tcbpay discloses Citizens Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Tcbpay does not disclose a bank charter of its own; its banking services are provided through Citizens Bank.
Tcbpay processes payments through TCB Pay (self-operated). Disclosed money-movement rails: ACH.
The Embedded Finance Index 2026 maps 3 layers in Tcbpay's stack: Payments / PSP (TCB Pay (self-operated)); Money movement (ACH); Sponsor bank (Citizens Bank).
Tcbpay is founded in 2014 and headquartered in Boca Raton, FL, USA.
Tcbpay has raised undisclosed in total.
Get a read on where your own stack stands against Tcbpay 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.