Payments done the right way
PayVault is led by a team with decades of experience building, running and growing payment companies. We have seen this industry from every side: as merchants, as sales partners, as processors and as advisors.
We have also seen what goes wrong. Fees buried in statements. Contracts nobody explained. Sales reps who built a book of business and then watched their residuals disappear. We started PayVault to do the opposite.
Our promise is simple: keep every payment safe, explain every number, and make sure no merchant or sales partner is ever taken advantage of.
Safe payments, straight answers
You should know exactly what you pay, why you pay it and how your customers' card data is protected.
Pricing you can read
Every rate and fee is explained line by line before you sign, and your statement matches what we told you. If something changes, you hear it from us first.
An honest recommendation
We match you to the platform that fits your business, not the one that pays us most. If your current setup is fine, we will tell you so.
Payments kept safe
Acceptance runs on PCI DSS Level 1 platforms with point-to-point encryption and tokenization, so your customers card numbers never sit raw on your systems.
A partner that keeps its word
Sales partners are the backbone of this industry. They deserve transparency, fair terms and a company that honors them.
Residuals you can count on
Agents and ISOs get clear residual reporting and are paid what they earned, on time. The terms we agree to are the terms we keep.
Everything in writing
Splits, schedules and portfolio terms are written down from day one, so there is never a question about who earned what.
Partners, not leads
Our sales partners get direct access to underwriting and a team that answers the phone. We grow when you grow.
Experience you can lean on
Our leadership team has founded, scaled and sold businesses in payments, payroll and financial services, and has advised investors on the payments industry. That experience shapes how we work: protect the merchant, respect the partner, and build relationships that last for years, not quarters.
Josh Elsass
President, PayVault Solutions
Josh Elsass is President of PayVault Solutions, where he leads merchant sales and the agent and ISO partner channel. A payments executive with more than two decades of sales leadership in payment processing and business financing, he has worked with thousands of small businesses and enterprises nationwide and has been part of three successful company exits, building the sales channel behind each one. Before PayVault, he served as Chief Sales Officer and then President, Operating Companies at Simpay, where he strengthened every sales channel and oversaw day-to-day operations. Josh has built his career on one conviction: the best companies value clients, partners and employees equally. At PayVault, that means pricing explained line by line for every merchant and terms in writing for every sales partner.
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