PayHQ provides an agile, enterprise‑grade payment platform that handles the full transaction lifecycle—including authorization, settlement, and funding—so merchants can accept in‑person and online payments with a single merchant number.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often need to manage multiple payment providers and disparate systems to accept transactions across online, in‑store, and mobile channels, leading to fragmented data, higher integration costs, and operational inefficiencies.
Solution
PayHQ is an enterprise‑grade, omnichannel payment platform that consolidates authorization, settlement, and funding into a single merchant account. It supports online gateways, in‑person terminals, invoicing, recurring billing, and API integrations, enabling merchants to accept credit, debit, and alternative payment methods through one unified view. The platform includes built‑in compliance and risk‑management tools, transparent pricing models, and dedicated support to reduce operational friction. By handling the full transaction lifecycle, PayHQ lets businesses focus on growth while the platform manages security, reporting, and fund disbursement. The solution is delivered via a cloud‑based architecture, ensuring scalability and access from any internet‑connected location.
Target Audience
PayHQ targets mid‑size to large merchants in North America that require omnichannel payment acceptance, as well as ISOs and technology partners seeking a white‑label, fully managed payment processing solution.
Features
- End‑to‑end processing of authorization, settlement, and funding with a single merchant number
- Hosted payment pages, web terminal, and API for seamless integration with e‑commerce platforms and custom applications
- In‑person acceptance via contactless, mobile, and traditional card terminals, including support for Interac Debit
- Digital invoicing and recurring billing tools that automate payment collection and provide real‑time status tracking
- Buy‑Now‑Pay‑Later (BNPL) option that pays merchants upfront while offering flexible terms to customers
- Transparent pricing options (Interchange Plus or flat‑rate) with no hidden fees and customizable rate structures
- White‑label solution for partners and ISOs, including multi‑BIN and multiple sponsor‑bank support for cross‑border processing