Tcbpay
“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?”
Founded2014
HQBoca Raton, FL, USA
Total raisedundisclosed
IndustryFintech / Payments
The story
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.
Product timeline
2014
TCB Pay founded in Boca Raton, FL as a payment solutions provider for businesses.· pivot
2025
Launched TCB Pay Issuing API on February 26, 2025, enabling businesses to issue and manage corporate cards programmatically.· card
The stack
2 layers disclosed in Tcbpay’s embedded-finance stack
Payments / PSP
TCB Pay (self-operated)
Money movement
in the full report
Accounting gap: significant
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.