About PayCloud Innovations
PayCloud Innovations leads the way in fintech by offering powerful, end-to-end payment and treasury management solutions. From branded physical and digital cards to advanced financial operations, our platform is designed to serve mid-sized businesses to global enterprises.
We partner with companies looking to issue branded cards, enhance their treasury functions, and create seamless payment experiences for customers. Our solutions are built on state-of-the-art technology, ensuring the highest levels of security, scalability, and compliance.
Our Mission:
To provide innovative payment and treasury solutions that empower businesses to thrive in a fast-changing financial landscape.
Meet our amazing team
We are extremely qualified to help your business grow
Bryce Davis
Chairman / Co-Founder
– with nearly two decades of experience, catering to organizations of all sizes. Bryce has a comprehensive knowledge of banking products, risk mitigation tools for the payments industry, payment technology, sales of processing solutions (including credit card and ACH), credit assessment, and authentication solutions vital for verifying individual identities.
Shelly Cofini
CEO / Co-Founder
– 30-year career dedicated to advancing disruptive technologies. Her strategic and versatile skill set encompasses Payment Innovation, Digital Currency Payment Platforms, Mobile Wallets, ML, AR, AI, Predictive Data, B2B, B2C and D2C. Focused on innovation with business strategy emerging technology, and driven to fuel revenue growth.
Peter Lupus III
COO / Co-Founder
-more than 20 years working with organizations such as NASA, Coca-Cola, British Telecom, Infonet, British Petroleum, and Yahoo. He also has experience establishing companies in foreign markets such as KareMore International and Pinnacle International. He has extensive experience in software development and marketing.
Jeff Sparrow
CSO / Co-Founder
-extensive background in the technology industry working best with entrepreneurial-minded organizations to develop innovative solutions for online companies. He works nationally and internationally as the current CEO of GeoCommerce, Inc. as well as a co-founder of the U.S. Faster Payments Council and co-founder of INCIRCL.
Our Commitment to Your Success
At PayCloud Innovations, we are more than a fintech provider—we are your dedicated partner. Every solution we offer, from custom branded cards to treasury management, is crafted with your business growth in mind. We take pride in delivering seamless, secure, and scalable services that evolve with your needs. Your success is our success, and we’re here to ensure your payment and financial programs drive results. Join us in transforming your financial operations and unlocking new opportunities.
Real-life results
We generate results for our customers
FAQs
- All
- Customer and Marketing Benefits
- Digital Financial Solutions
- Employee and Customer Benefits
- General Information
- Onboarding and Integration
- PayCloud Innovations Overview
- Payment and Fund Management
- Revenue Opportunities
Yes, PayCloud and its core partners adheres to industry-leading compliance standards, soc 1, soc 2 including PCI DSS (Payment Card Industry Data Security Standard) and other regional financial regulations to ensure that all financial data and transactions are handled in compliance with legal requirements.
Yes, you can set up recurring payments for agents, employees, or vendors through PayCloud. This feature is particularly useful for managing subscription services, payroll, or other recurring transactions without manual intervention.
PayCloud Innovations provides tools for real-time monitoring of balances, transaction history, and forecasts to help you effectively manage your business cash flow. You can also automate payments, split funds between accounts, and easily track financial activity through the platform.
Yes, PayCloud Innovations allows you to add multiple users to your account, each with unique permissions and access levels. You can designate roles for admins, accounting staff, agents, and others based on the level of access required.
Yes, PayCloud offers a customizable dashboard experience that allows your branding, colors, and specific features to be displayed to agents or employees. We can tailor this dashboard to include tools and insights that are most relevant to your business model.
Yes, PayCloud Innovations is designed to handle high transaction volumes, making it ideal for businesses with high-frequency payments such as real estate brokerages, agencies, and enterprises that require reliable financial tools.
Yes, PayCloud Innovations provides detailed API documentation for developers, which includes guides, code samples, and use-case scenarios to help integrate our financial tools smoothly into your systems.
Yes, PayCloud Innovations supports transactions in multiple currencies, allowing you to easily conduct international business and make cross-border payments.
PayCloud Innovations integrates seamlessly with a variety of accounting and business management software, such as QuickBooks, Xero, and other common platforms. Our API integration ensures compatibility, making it easy to incorporate PayCloud’s services with your existing systems.
Yes, PayCloud Innovations offers a mobile-optimized portal that allows users to manage their accounts, make payments, track transactions, and access rewards conveniently from their mobile devices.
PayCloud Innovations provides customized pricing based on the specific needs and scale of your business. We offer transparent pricing tiers, which vary based on services like payment processing, financial tools, and the level of integration needed. Please reach out to our sales team for a tailored quote that fits your business requirements.
Absolutely! By providing modern financial solutions that emphasize convenience and value, you can attract new clients who are looking for a seamless experience and retain existing customers by keeping them engaged and satisfied.
Yes, PayCloud offers tools to create and manage customer reward programs. Businesses can use branded pay cards to distribute bonuses, loyalty rewards, or special incentives to customers. This approach encourages engagement, improves customer satisfaction, and enhances retention by offering something tangible that customers can use in their day-to-day transactions.
By making every interaction more personal and engaging, by providing rewards directly through financial products, you create consistent touchpoints that remind clients and agents of your brand, enhancing loyalty and fostering longer-term relationships.
PayCloud Innovations can elevate your marketing by transforming traditional marketing expenses into direct investments in your agents, members, employees or customers. Our branded pay cards and rewards programs make every financial interaction a brand engagement opportunity. By integrating your company’s branding into financial tools, you increase visibility and create deeper loyalty connections with your agents and clients.
Yes, our platform offers API capabilities that allow automated notifications, which can be integrated with your notification systems.
Agents can create a new business profile for their LLC account, and we assist in transferring any necessary documentation to ensure a smooth transition.
There’s no fee for ACH transfers to fund your PayCloud account. However, fees may apply for wire transfers.
Generally, the setup takes 2-3 weeks, including underwriting and implementation. We strive to make the process as smooth as possible for you and often our clients are up and running by the time underwriting is completed..
Unlike traditional banks, PayCloud offers a fully customizable digital financial experience that integrates seamlessly into your business. We provide customizable solutions such as instant payouts, branded cards, merchant services and reward programs—blending the reliability of traditional banking with cutting edge digital tools.
Security is one of our top priorities. We use industry-leading encryption, continuous key rotation, and multi-factor authentication to protect transactions and sensitive information. Our system is designed to meet the highest compliance standards, ensuring your financial data is always secure.
PayCloud provides comprehensive support, including a dedicated account manager, onboarding assistance, and access to ongoing training resources. We also offer a Slack channel for real-time communication to ensure you receive help whenever needed.
Yes, PayCloud allows automation of recurring payments and bulk transactions through CSV uploads or API integrations.
Revenue share payments can be processed through API integration or bulk CSV uploads, simplifying the process for paying many people at once.
Yes, PayCloud allows users to issue checks directly from their accounts. Checks amounts are only withdrawn from account when cashed.
Yes, you can create multiple accounts for different entities or programs, all manageable from a single login.
Yes, PayCloud allows multi-level payment approval workflows where roles for scheduling and approving payments can be set.
Documents such as W-9s can be uploaded and stored within individual profiles for easy access and management.
Transfers between PayCloud accounts are instant and free through book transfers. ACH transfers to external banks are also available for free, and with same-day ACH for a low $1 fee.
Yes, agents can use remote deposit capture to deposit checks directly from their mobile devices into their PayCloud accounts.
Yes, agents can manage their profiles and update personal information on PayCloud’s platform. Admins can also access agent profiles to make approved changes.
PayCloud offers instant payouts via our book transfer feature, enabling instant funds transfers to agents with PayCloud accounts. We also support same-day or next-day ACH transfers for agents without PayCloud accounts.
Yes! Our features like instant payouts, exclusive financial perks, and branded pay cards help attract and retain agents or employees. Modern financial tools—including digital cards and financial rewards—foster loyalty and enhance the work experience.
Yes, PayCloud provides revenue-sharing models, particularly when using Priority Commerce’s banking systems. This allows businesses to offset costs and create new revenue streams conducted on our platform.
PayCloud provides tutorials, live training sessions, and a comprehensive guide to help all involved to get up and running quickly on how to use the platform effectively.
Our onboarding is straightforward and efficient. You’ll receive dedicated support from onboarding specialists who guide you through setup and API integration. We also provide training resources and guides to ensure a smooth transition for everyone involved.
PayCloud offers a highly complete suite of APIs designed for seamless integration with numerous platforms. Our development team works with you to create a smooth transition, minimizing disruptions while ensuring our financial tools become a highly effective extension of your business.
PayCloud offers physical and virtual cards that integrate with Apple Pay and Google Pay, ACH transfers, branded Pay Cards, remote deposit capture and so much more. Our system simplifies cash flow through bulk payments and provides a vast array of options for financial transactions.
Our platform provides real-time fund monitoring, instant payment splitting between multiple accounts, remote deposit capture, and automated ACH and wire transfers and more. We also implement dynamic security measures like continuous key rotation to ensure data safety.
Yes, PayCloud provides branded pay cards and integrates your company’s branding, elevating brand visibility whenever users transact. It turns everyday financial activities into branding opportunities for your company.
PayCloud lets businesses redirect marketing expenses directly to your target audience via branded pay cards and rewards. This enhances brand visibility and drives loyalty by directly investing in the people who support your business. Branded rewards, offers, and incentives are provided through a dedicated portal.
PayCloud Innovations is a digital financial hub designed to streamline financial operations for your business. Our platform offers tools like instant payouts, branded pay cards, payment processing, treasury management, and more—all aimed at improving operational efficiency, boosting revenue, and elevating customer and employee satisfaction.
PayCloud Innovations utilizes the robust technology and infrastructure of Priority Commerce for seamless financial services, such as payment processing, virtual banking, and integration with services like Apple Pay and Google Pay. By combining PayCloud’s innovative offerings with Priority Commerce’s trusted backend systems, we provide reliable and efficient financial solutions tailored to your business needs.
Our solutions are ideal for all industries relying on fast financial transactions. We cover a broad range of industries including: real estate industry, E-commerce, insurance agencies, unions, and contractor-based businesses. We focus on enhancing payment offerings for employees, agents, members and customers.
The Digital Financial Hub integrates all your financial tools into one streamlined system. It covers instant payouts, branded services, reward programs, real-time payment tracking, and exclusive offers for employees, members, agents or customers—helping you recruit, retain, and reward your customers and workforce effectively.