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Pay Theory Company Overview
Pay Theory is a financial technology company founded in 2018 and based in Cincinnati, Ohio. It offers embedded payment solutions tailored for SaaS platforms within “must-pay” industries such as education, healthcare, childcare, and social services. The platform enables these providers to accept diverse payment forms—including credit cards, ACH, and cash (via barcodes)—while integrating seamlessly with existing systems. It also supports merchant hierarchy for administrative clarity and compliance. Over its early years, Pay Theory has raised seed funding and expanded operations to serve platforms that connect families and institutions. Recent reported annual revenue growth—from about $1.8 million in 2023 to approximately $3 million in 2024—highlights rising adoption in its vertical markets.