Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 1 category.
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Founded in 1990 as a traditional credit card authorization and payment processor for SMB merchants, First American Payment Systems expanded through ISO relationships with Fifth Third Bank, Wells Fargo, and MetaBank, and grew via portfolio acquisitions (Chase Commerce Solutions, 2016). Acquired by Deluxe Corporation in April 2021, it was rebranded 'First American by Deluxe' and subsequently absorbed into Deluxe Merchant Services by 2025. The company faced significant regulatory headwinds: a 2022 FTC lawsuit alleged deceptive fee practices targeting small businesses, settling with $4.9M in refunds. Its embedded finance angle was primarily as a registered ISO/payment facilitator offering merchants card acceptance, check processing, ACH, merchant cash advances, and e-commerce gateway services — not as a BaaS or infrastructure-layer provider.
Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/first-american-payment-systems/install" width="1" height="1" alt="" style="display:none">3 companies disclose First American Payment Systems in their stack in the Embedded Finance Index 2026, including Osiris Software, Govolution and Halcyon DCMS.
First American Payment Systems is an embedded-finance provider in PSP. It ranks #145 of 538 PSP providers by disclosed buyers.
The most-disclosed PSP alternatives to First American Payment Systems are Stripe (782 buyers), Adyen (278 buyers), PayPal (153 buyers), Checkout.com (113 buyers), Worldpay (89 buyers) and Mollie (64 buyers).
First American Payment Systems is founded in 1990 and headquartered in Fort Worth, TX, United States.
First American Payment Systems has raised $21.49M in total.
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