Tilled vs Finix: Features, Coverage and Pricing Compared (2026)
Updated November 10, 2026 · Reviewed by Benjamin Margolis
Tilled and Finix both help software platforms earn revenue from payments. Tilled acts as the payment facilitator for its partners, so a platform can launch card and ACH processing under its own brand quickly. Finix is a full processor that gives platforms the tools to run their own PayFac program.
Our analysts compared the two on November 10, 2026, using each company's own product, pricing, and company pages and our full reviews of Tilled and Finix.
Choose Tilled if
- you want payments revenue fast without owning PayFac registration
- you want hands-on launch support
- you work through ISO partners
Choose Finix if
- you want to own more of the payments business
- you need merchant underwriting tools
- you want payouts next to acceptance at processor scale
Tilled scores 74 and Finix scores 78 in our ratings. Tilled suits platforms that want a quick white-label launch. Finix suits platforms ready to run their own payments program.
Key Features Compared
Tilled vs Finix at a Glance, November 2026
| Feature | Tilled | Finix |
|---|---|---|
| Ratings | ||
| Fintech Index score | 74 / 100 | 78 / 100Higher score |
| Overview | ||
| What it is | Boulder payments company that lets software platforms offer card and ACH processing under their own brand through PayFac-as-a-Service | San Francisco payments company that helps platforms, marketplaces, and merchants accept payments, pay out sellers, and run PayFac-style programs |
| Who uses it | Vertical SaaS platforms, marketplaces, and ISOs | Payment facilitators, SaaS platforms, marketplaces, and merchants |
| Main products | White-label card and ACH processing, merchant onboarding, split payouts, revenue sharing, and Portfolio Autopilot | Card payment processing, payouts, PayFac tooling, and merchant underwriting |
| Where it operates | United States | North America |
| Products and features | ||
| Card acceptance (acquiring) | Card and ACH | Full-stack processor |
| Pricing | ||
| How pricing works | Negotiated per platform, including revenue share | Written fee schedule on request; negotiated by merchant book size and payout mix |
| Published prices | Quote only | Quote only |
| Technology and compliance | ||
| Licenses and regulation | Tilled acts as the PayFac and carries registration, underwriting, and risk monitoring | Payment processor since 2023, with compliance forms and automated merchant underwriting |
| Developer tools | APIs, hosted onboarding, and dashboards | PayFac and marketplace tooling, including underwriting workflows |
| Integrations and partners | APIs and ISO partners; fewer pre-built connectors than larger processors | Retail, ecommerce, healthcare, and financial-services platforms |
| Onboarding and support | Hands-on launch support for software partners | Sales-led onboarding for platform programs |
| Company | ||
| Founded | 2019 | 2015 |
| Headquarters | Boulder, Colorado | San Francisco, California |
| Ownership | Private company | Private company |
| Funding | Over $50M total, including $10M+ in October 2026 led by UPC Capital Ventures, KORT Payments, and Avenue Capital | ~$75M round announced October 2024; earlier capital includes a $35M Series B in 2020 |
| Key leader | Caleb Avery | Richie Serna |
| Scale | Over $50M raised; five-fold growth in its enterprise channel | More than 12,000 merchants in 2022; revenue quadrupled the year after it became a processor |
Fintech Index Scores Compared
We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Tilled scores 74 and Finix scores 78.
Criterion Scores Out of 100
Key Differences Between Tilled and Finix
Who Carries the PayFac Role
Tilled carries PayFac registration, underwriting, and risk monitoring for its partners. Finix gives platforms PayFac and marketplace tooling and processes the payments itself.
Funding
Finix raised $75M in October 2024. Tilled raised more than $10M in October 2026, bringing its total to over $50M.
Support
Tilled offers hands-on launch support. Finix runs sales-led onboarding for platform programs.
Pros and Cons
Tilled
Pros
- Payments revenue for software companies under their own brand
- Tilled carries PayFac registration and risk
- Hands-on launch support
- Raised more than $10M in October 2026
Cons
- Platforms do not own the PayFac registration
- Fewer pre-built connectors
- Rates and revenue share are not posted
Finix
Pros
- Processor economics and PayFac tooling from one vendor
- Payouts next to card acceptance
- Revenue quadrupled after it became a processor
- $75M raised in October 2024
Cons
- Quote-only pricing
- Focused on North America
- More than a platform needs if it wants only a thin gateway
Who Each Is Best For
Tilled
A vertical software company that wants to earn payments revenue under its own brand without becoming a registered payment facilitator itself.
Finix
A US or Canadian platform, marketplace, or merchant that wants payment processing, payouts, and merchant underwriting without assembling every piece alone.
Alternatives to Tilled and Finix
These companies, all reviewed and rated on The Fintech Index, cover some of the same ground as Tilled and Finix.
Other Card Issuing and Processing Companies
| Company | Score | Best for | Comparisons |
|---|---|---|---|
| Payabli | 77 | Vertical SaaS platforms that want pay-ins and payouts in one stack | Tilled vs Payabli |
| Rainforest | 78 | Software platforms that want embedded payments without becoming a PayFac | Finix vs Rainforest |
| Spreedly | 79 | Merchants that route card payments across several gateways | Finix vs Spreedly |
| Moov | 77 | Platforms that want one stack for acceptance, wallets, and payouts | None yet |
Frequently Asked Questions
Do Tilled or Finix publish prices?
No. Both negotiate pricing per platform.
Sources
- The Fintech Index analysis of Tilled and Finix, conducted November 2026 (As of November 10, 2026)
- Tilled home page: https://www.tilled.com/ (As of November 10, 2026)
- Tilled, Portfolio Autopilot post: https://www.tilled.com/blog/portfolio-autopilot (As of November 10, 2026)
- PR Newswire, Series A: https://www.prnewswire.com/news-releases/tilled-raises-11m-series-a-to-provide-payfac-as-a-service-infrastructure-to-software-companies-301299019.html (As of November 10, 2026)
- Fintech One-on-One, Caleb Avery: https://fintechoneonone.com/caleb-avery-founder-ceo-of-tilled-on-building-a-payfac-as-a-service/ (As of November 10, 2026)
- Finix home page: https://finix.com/ (As of November 10, 2026)
- TechCrunch, October 2024: https://techcrunch.com/2024/10/24/finix-raises-75-million-to-take-on-stripe-as-a-payment-processor/ (As of November 10, 2026)