Tilled vs Payabli: Features, Coverage and Pricing Compared (2026)
Updated November 10, 2026 · Reviewed by Benjamin Margolis
Tilled and Payabli both help vertical software companies add card and ACH payments. Tilled acts as the PayFac for its partners and shares processing revenue with them. Payabli adds vendor payouts, payment operations, and spend cards on the same stack.
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 Payabli.
Choose Tilled if
- you want white-label payments revenue quickly
- you work through ISO partners
- you want hands-on launch support
Choose Payabli if
- you need payouts as well as pay-ins
- you want payment operations tools
- you want a provider with more than $6B of annual volume
Tilled scores 74 and Payabli scores 77 in our ratings. Tilled suits platforms that want a quick white-label start. Payabli suits platforms that need pay-ins, payouts, and operations together.
Key Features Compared
Tilled vs Payabli at a Glance, November 2026
| Feature |  Tilled |  Payabli |
|---|---|---|
| Ratings | ||
| Fintech Index score | 74 / 100 | 77 / 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 | Miami payments infrastructure platform that helps software companies accept payments, pay vendors, and run payment operations through one API |
| Who uses it | Vertical SaaS platforms, marketplaces, and ISOs | Vertical software platforms in property management, healthcare, field services, utilities, and government; ~95 software customers |
| Main products | White-label card and ACH processing, merchant onboarding, split payouts, revenue sharing, and Portfolio Autopilot | Card and ACH acceptance, vendor payouts, payment operations, spend cards, and AI tools for payment ops |
| Where it operates | United States | United States |
| Products and features | ||
| Card acceptance (acquiring) | Card and ACH | Card and ACH |
| Pricing | ||
| How pricing works | Negotiated per platform, including revenue share | Written fee schedule on request; negotiated by volume and product 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 | Works through sponsor bank and processor partners |
| Developer tools | APIs, hosted onboarding, and dashboards | Single API with low-code and API paths |
| Integrations and partners | APIs and ISO partners; fewer pre-built connectors than larger processors | Vertical software partners |
| Onboarding and support | Hands-on launch support for software partners | Setup run by Payabli's team rather than a fully self-serve console |
| Company | ||
| Founded | 2019 | 2020 |
| Headquarters | Boulder, Colorado | Miami, Florida |
| Ownership | Private company | Private company |
| Funding | Over $50M total, including $10M+ in October 2026 led by UPC Capital Ventures, KORT Payments, and Avenue Capital | ~$60M raised; Series B of $28M in June 2025 led by Fika Ventures and QED Investors with TTV Capital and Bling Capital, after a $20M Series A led by QED |
| Key leader | Caleb Avery | Joseph Elias Phillips |
| Scale | Over $50M raised; five-fold growth in its enterprise channel | More than $6B in annualized payment volume; net revenue of ~$20M in 2025, up from $5MLarger volume |
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 Payabli scores 77.
Criterion Scores Out of 100
Key Differences Between Tilled and Payabli
Products
Both offer card and ACH acceptance. Payabli adds vendor payouts, payment operations tools, and spend cards. Tilled adds Portfolio Autopilot, an AI tool that finds merchants for partners.
Scale
Payabli reports more than $6B of annualized volume and ~$20M of 2025 net revenue. Tilled has raised over $50M and reports five-fold growth in its enterprise channel.
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
Payabli
Pros
- Pay-in, pay-out, and payment ops in one stack
- PayFac-style economics without full registration
- Fast growth, with revenue up four times in 2025
- Valued at $305M in its Series B
Cons
- No posted fee schedule
- More than a thin gateway buyer needs
- US-focused
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.
Payabli
A vertical software company that wants to embed acceptance, payouts, and payment operations without becoming a payment facilitator itself.
Alternatives to Tilled and Payabli
These companies, all reviewed and rated on The Fintech Index, cover some of the same ground as Tilled and Payabli.
Other Card Issuing and Processing Companies
| Company | Score | Best for | Comparisons |
|---|---|---|---|
| Finix | 78 | Software platforms that want to become payment facilitators | Tilled vs Finix |
| Rainforest | 78 | Software platforms that want embedded payments without becoming a PayFac | None yet |
| Spreedly | 79 | Merchants that route card payments across several gateways | Payabli vs Spreedly |
| Moov | 77 | Platforms that want one stack for acceptance, wallets, and payouts | None yet |
Frequently Asked Questions
Do Tilled or Payabli publish prices?
No. Both negotiate rates and revenue share.
Which handles vendor payouts?
Payabli includes vendor payouts.
Sources
- The Fintech Index analysis of Tilled and Payabli, 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)
- Payabli home page: https://www.payabli.com/ (As of November 10, 2026)
- Payabli, Series B announcement: https://www.payabli.com/news/payabli-lands-28m-series-b-to-accelerate-payments-infrastructure-for-software-companies/ (As of November 10, 2026)
- Payabli, about: https://www.payabli.com/about-us/ (As of November 10, 2026)
- Forbes, Payabli: https://www.forbes.com/companies/payabli/ (As of November 10, 2026)