Tilled

Embedded Payments

PayFac-as-a-Service platform enabling software companies to embed, monitor, and monetize merchant payments across the US and Canada.

Overview

Tilled is a Boulder, Colorado-based fintech company founded in 2019 that pioneered PayFac-as-a-Service (PFaaS) — enabling independent software vendors (ISVs) and SaaS platforms to integrate payment facilitation into their products without bearing the regulatory, financial, or operational burdens of becoming a fully registered payment facilitator. The platform handles merchant onboarding, KYC/underwriting, risk management, and processing infrastructure so that software companies can launch a white-labeled payments experience in weeks rather than months or years. The platform is built on a developer-first API and JavaScript embed (Tilled.js), which minimizes PCI compliance scope for platforms by ensuring sensitive card data never touches the software company's servers. Tilled supports card-present (in-person) and card-not-present (online) payments, Apple Pay, recurring billing/subscriptions, payment links, dispute management, card account updating, and multi-location merchant support — all accessible via a white-label console and API. The company operates in the US and Canada, with French-language onboarding support for Canadian merchants. Tilled's key differentiators include transparent published pricing with a revenue-share model (platforms keep 70–80% of payment economics depending on volume tier), no upfront compliance costs, the ability for platforms to customize merchant pricing programs, and a no-lock-in policy on cardholder data. The company has raised nearly $40 million since founding, including a $12.5M round in October 2024 led by Canvas Ventures and UPC Capital Ventures, and has formed strategic partnerships with North, KORT Payments, Paysafe, and Handpoint to expand omnichannel and international card-present capabilities.

Key features

• Developer-friendly API and Tilled.js embed
• White-label merchant onboarding and console
• In-person and online omnichannel payments
• Recurring billing and subscription management
• Dispute management and card account updater
• Customizable merchant pricing programs

Vertical focus

saas, b2b, restaurants, retail, hospitality

Notable customers

North, Paysafe, KORT Payments, ResortCleaning, LaunchPad

At a glance

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