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Pay Theory

Cincinnati, US · 12 known investors

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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.

Data & InfrastructureEdTechFintechImpact & Social GoodSaaS

Founders & leadership

JM
Joe MiramontiCo-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 · 12

DERIVE VENTURESlisted by DERIVE VENTURESSan Francisco

How we know: DERIVE VENTURES's portfolio page · Not right? Tell us

Gaingelslisted by GaingelsNew York · $200K – $500K

How we know: prnewswire.com · gaingels.com · Not right? Tell us

LOUD Capitallisted by LOUD CapitalColumbus

How we know: LOUD Capital's portfolio page · funding news · bizjournals.com · Not right? Tell us

Naples Technology Ventureslisted by Naples Technology VenturesNaples

How we know: Naples Technology Ventures's portfolio page · Not right? Tell us

Sica VenturesreportedColumbus

How we know: prnewswire.com · Not right? Tell us

SixThirty VenturesreportedSt. Louis · $100K – $250K

How we know: the VCSheet dataset · Not right? Tell us

Zeal Capital PartnersreportedWashington · $250K – $2M

How we know: a partner's Signal profile · funding news · bizjournals.com · Not right? Tell us

Also in the syndicate · 4

Double Eagle Venture PartnersLOUD CapitaOhio Impact FundleadSixThirty

Funding

SEC filings, press & company announcements

$2M disclosed across 1 round · 2022

Source: company announcements and press reports — follow each round's link for the claim.

Related companies · 6

ExperianExperian 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.
CorporatefinanceinstituteCorporate 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.
StripeStripe provides financial infrastructure for businesses to accept payments, offer financial services, and implement custom revenue models across international markets in 135+ currencies.
SoFiSoFi Technologies is a digital personal-finance company offering student and personal loans, mortgages, investing, banking and credit cards through one app; it went public on the Nasdaq in 2021 via SPAC.
FiservFiserv 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.
EqualsEquals 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 working in the same space as Pay Theory.

In the news

Cincinnati Fintech Pay Theory Receives $2M in Seed Round Investment Led by Zeal Capital Partnersprnewswire.com · Feb 2022

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, DERIVE VENTURES, Gaingels, LOUD Capital, Naples Technology Ventures, 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.