“Can a PayFac-as-a-Service platform give B2B ISVs the economics of full payment facilitation without the compliance and infrastructure burden?”
Tilled pioneered the 'PayFac-as-a-Service' category — giving B2B software vendors the economics of being a payment facilitator without the compliance and capital overhead. Originally built primarily on TSYS acquiring rails, it has broadened processor optionality (Paysafe, North, TSYS, KORT) and pushed into card-present via a 2024 Handpoint partnership. The 2024 raise and 'Portfolio Buy-Back' offering signal a shift toward roll-up-style residual acquisition alongside greenfield ISV payment enablement.
Tilled discloses Pinnacle Bank dba Synovus Bank and Citizens Bank as its sponsor banks, according to the Embedded Finance Index 2026.
Tilled does not disclose a bank charter of its own; its banking services are provided through Pinnacle Bank dba Synovus Bank and Citizens Bank.
Tilled processes payments through TSYS, Paysafe, North, KORT, Handpoint, Valor PayTech, tilled and checkout.
Tilled connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 3 layers in Tilled's stack: Payments / PSP (TSYS, Paysafe, North, KORT and 4 others); Open banking (Plaid); Sponsor bank (Pinnacle Bank dba Synovus Bank and Citizens Bank).
Tilled was founded by Caleb Avery and is founded in 2018, headquartered in Boulder, Colorado, USA.
Tilled has raised $50.2M in total (latest round: $12.5M (Oct 2024)).
Get a read on where your own stack stands against Tilled 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.