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Pepper Pay Company Overview
Pepper Pay LLC is a digital commerce and payment-processing provider headquartered in Aventura, Florida, offering a unified, transparent platform designed for both in-person and online business needs. It enables merchants across retail, e-commerce, and high-risk sectors to handle credit and debit card transactions, ACH payments, and dynamic pricing models like cash discount and surcharge programs. The platform emphasizes agility through one-login access, developer-friendly APIs for PayFac models, a robust gateway with virtual terminals and hosted forms, and fraud management tools under the Pepper Pay Protect brand. Known for its clear interchange-plus pricing, lack of long-term contracts, and rapid merchant onboarding, Pepper Pay serves small- to medium-sized businesses seeking control, flexibility, and responsive service. Founded around 2016, the company continues to stand out with its embedded finance orientation and personal customer support approach, backed by a moderate team size and led by key executive Eric Hannelius.