Pay Theory
Cincinnati, US · 11 known investors
Find your way into Pay Theory
111 people in our graph share verified history with the Pay Theory team — schools, employers, funds. One of them is your warm intro.
Katrin Geyskensunlockedknows Joe Miramonti · together at The University of Chicago Booth School of Business (overlapped)
×3knows the team · via Purdue University
×8knows the team · via The University of Chicago Booth School of Business
Pay Theory provides payment processing infrastructure that embeds card and ACH transactions into existing software, with tools for merchant onboarding, sub-merchant account management, chargeback handling, and recurring billing. It targets platforms and businesses needing embedded payments, including support for health benefit cards and vertical-specific merchant underwriting.
Founders & leadership
JM
Joe MiramontiinCo-Founder, Chief Commercial OfficerJoe Miramonti spent 15 years at Procter & Gamble developing consumer products, focusing on product design, consumer insights, and product strategy. He subsequently built a family office making equity and debt investments across public and private companies, with particular interest in special situations and consumer-facing businesses.
Investors · 11
Cintrifuse CapitalCincinnati · $250K – $500K
Naples Technology VenturesNaples
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GaingelsreportedNew York · $200K – $500K
LOUD Capitalreported · 2 sourcesColumbus
Sica VenturesreportedWashington
SixThirty VenturesreportedSt. Louis · $100K – $250K
Zeal Capital Partnersreported · 2 sourcesWashington · $250K – $2M
Also in the syndicate · 4
Double Eagle Venture PartnersLOUD CapitaOhio Impact FundleadSixThirty
Funding
SEC filings, press & company announcements$2M disclosed across 1 round · 2022
- $2Mseed roundFeb 2022 · 4 sources
Loud Capital (lead), Ohio Impact Fund (lead), Zeal Capital Partners (lead), Double Eagle Venture Partners, Gaingels, LOUD Capita, Sica Ventures, SixThirty
Source ↗
Source: company announcements and press reports — follow each round's link for the claim.
Competitors · 5
by search overlapExperian90 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
Corporatefinanceinstitute80 shared keywordsCorporate Finance Institute offers an online specialization program teaching finance professionals how to integrate environmental, social, and governance (ESG) factors into financial analysis, valuation, and investment decision-making. The program covers ESG frameworks, sustainability integration, greenhouse gas accounting, and climate risk management across eight core courses.
Stripe79 shared keywordsStripe provides financial infrastructure for businesses to accept payments, offer financial services, and implement custom revenue models across international markets in 135+ currencies.
Fiserv67 shared keywordsFiserv provides omnichannel commerce, billing, payments, and digital banking solutions for merchants, financial institutions, governments, and technology providers worldwide. The company serves large enterprises, small businesses, banks, credit unions, fintechs, and public sector organizations with integrated platforms and payment connectivity.
Equals63 shared keywordsEquals Money is a spend management and payments platform that lets businesses issue virtual and physical USD expense cards, set spending limits, manage budgets, and reconcile receipts from one dashboard. It also provides USD business accounts with routing and account numbers plus domestic ACH and wire payments for company finance teams.
Companies competing with Pay Theory for the same Google search keywords, organic and paid, via search-intersection analysis.
In the news
Frequently asked questions
- What does Pay Theory do?
- Pay Theory provides payment processing infrastructure that embeds card and ACH transactions into existing software, with tools for merchant onboarding, sub-merchant account management, chargeback handling, and recurring billing. It targets platforms and businesses needing embedded payments, including support for health benefit cards and vertical-specific merchant underwriting.
- Who founded Pay Theory?
- Pay Theory was founded by Joe Miramonti.
- Who are Pay Theory's investors?
- Pay Theory's investors include Cintrifuse Capital, Naples Technology Ventures, Gaingels, LOUD Capital, Sica Ventures, SixThirty Ventures, Zeal Capital Partners.
- How much funding has Pay Theory raised?
- Pay Theory has disclosed $2M raised across 1 round.
- Where is Pay Theory headquartered?
- Pay Theory is headquartered in Cincinnati, US.