Tilled

Assessment

Tilled is used by vertical SaaS platforms, marketplaces, and ISOs that want to embed card and ACH processing. Its best use cases are white-label merchant onboarding, split payouts, and sharing processing revenue with the software company. Pricing is negotiated per platform, and its main competitors are Finix, Payabli, and Rainforest.

Caleb Avery founded Tilled in 2019 after starting his career selling payment processing door to door and later advising vertical software companies. In October 2026 Tilled raised more than $10M led by UPC Capital Ventures, KORT Payments, and Avenue Capital, bringing total funding to over $50M, after five-fold growth in its enterprise channel. It also launched Portfolio Autopilot, an AI tool that finds merchants for partners.

It fits a software company that wants payments revenue fast and white-labeled. It is a weaker fit for a platform that wants to own its PayFac registration and risk program outright, and for a merchant that only needs a single checkout.

Rating by criterion

We score each of the eight criteria out of 100.

Sector criteria

Vendor criteria

Against its peers

These are the other companies in payments and acquiring, with their ratings.

User comments

These buyer-oriented points are drawn from Tilled’s site, its October 2026 funding post, and a founder interview.

• Upside

  “Software founders like earning payments revenue without hiring a risk and underwriting team.”

• Upside

  “Platforms value white-label onboarding that keeps their brand in front of merchants.”

• Downside

  “Larger platforms planning to become their own PayFac later should check portability and exit terms carefully.”

Where customer reviews couldn't be found, our analysts attempted to give a voice to buyer sentiment, drawing on real information from review sites, forums and product documentation. We omit sites where vendors pay to be featured or pay for a review, plus any review the site flags as incentivized.

Based on: Tilled home page; Tilled, October 2026 post; Fintech One-on-One, May 2024.

Fact file

Competitive landscape

Embedded payments providers a software platform would compare with Tilled.

• Tilled74
• Spreedly79
• Finix78
• Rainforest78
• Payabli77
• Moov77

Comparisons

• Tilled vs Payabli
• Tilled vs Finix

Key leadership

• Caleb Avery

Caleb Avery founded Tilled in 2019 and is its chief executive.

How this review was created

This profile gives our own assessment of Tilled to companies selecting a Payments & acquiring provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Tilled gave us no payment for the profile.

The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.

Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, public reviews and filings. Fact-checking took place on November 9, 2026.