Titanium Payments
Procurement partnerAbout
Titanium Payments is a cooperative buying network and independent sales organization (ISO) that offers processor-direct wholesale pricing in the electronic payment industry. Founded in 2000 as MLS Direct Network and rebranded in 2016, the company provides payment processing solutions including point-of-sale systems, eCommerce, mobile processing, and a customizable payments platform called Titanium Flex. They operate with 100+ offices nationwide and represent the top 3 processors in the country.
Details
VenSearch Intelligence
Ideal Customer
- Titanium Payments positions itself to serve both SMBs and mid-market to enterprise merchants, with its Titanium Flex platform specifically marketed to 'large merchants who have outgrown off-the-shelf billing products' with annual processing volumes between $1M and $500M+.
- Smaller businesses are targeted through the Titanium Boost Business Mastercard and mobile/ACH solutions, making the company relevant across a wide size spectrum.
Key Differentiators
- Titanium Payments' primary differentiator is its cooperative, non-profit-like structure in which ISO partner offices are equity owners — allowing the company to pass processor-direct wholesale pricing to merchants rather than accumulating profits at the corporate level.
- This 'processor direct' model, combined with a no-long-term-contract philosophy and concierge-level service, directly contrasts with legacy processors known for hidden fees and burdensome agreements.
Industries Served
- Titanium Payments serves a broadly horizontal portfolio of industries, with particular focus on retail, eCommerce (card-not-present), restaurants and hospitality (bars, hotels), petroleum/gas stations (Pay at the Pump), and B2B professional services and wholesale distribution.
- The company has specifically developed capabilities for the Card-Not-Present (CNP) and B2B verticals over recent years, and also serves multi-unit retail, recurring billing businesses, and any merchant needing ACH or check-based collections.
Service Coverage
- Titanium Payments operates as a national provider of merchant payment services across the United States, structured as a cooperative network of merchant-focused independent sales offices (ISOs) distributed throughout the country.
- The company is headquartered at 111 Congress Ave, Suite 400, Austin, TX 78701, with an additional office in Houston, TX, and its ISO partner network gives it a broad nationwide footprint.
Partnerships
- Titanium Payments is a registered ISO/MSP of Fifth Third Bank, N.A. (Cincinnati, OH) and a registered Independent Sales Organization of Wells Fargo Bank, N.A. (Concord, CA), which serve as its sponsoring banks.
- The company acts as a direct provider for leading payment gateways including Paytrace, Authorize.net, and eProcessing Network, and operates as a wholesale ISO under TSYS (now part of Global Payments/FIS).
Company Size & Ownership
- Titanium Payments traces its roots to 2000 when founder Andy Pitts established MLS Direct Network in Birmingham, Alabama; the Titanium Payments brand was launched in 2016 when the company relocated to Austin, TX.
- Employee counts vary significantly across data sources — PitchBook and RocketReach report approximately 29–30 direct corporate employees, while ZoomInfo and Datanyze estimate up to 500 when including the broader ISO partner network.
Compliance & Certifications
- Titanium Payments maintains PCI DSS compliance as a core part of its service offering, with dedicated PCI administrators who assist merchants through the compliance process.
- As a registered ISO/MSP of Fifth Third Bank, N.A. and Wells Fargo Bank, N.A., the company operates within the compliance frameworks required by those sponsoring banks and the card networks.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
11 offeringsACH, ARC & Recurring Billing
Titanium Payments offers ACH, ARC, and recurring billing solutions designed to transform accounts receivable operations into efficient cash collection systems. These services help businesses move money out of accounts receivable and into their accounts faster. The company provides guidance on implementing these tools to improve billing efficiency.
B2B Payment Solutions
Titanium Payments provides business-to-business payment processing through its Flex Platform, designed to be safe, secure, and streamlined. The platform is suited for B2B transactions and operates with wholesale processor-direct pricing. More details are available through the mytitaniumflex.com/discovery portal.
Card Present Solutions
Titanium Payments offers a comprehensive suite of point-of-sale systems for accepting payments in-store or on the road. The solution includes POS systems, CRM for marketing and rewards, detailed sales reporting, employee management and tracking, web-based inventory management, and integration with accounting software. Both in-house and third-party mobile solutions are available.
Custom Developed Solutions
Titanium Payments offers custom-developed payment solutions for businesses whose needs are not met by off-the-shelf products. Merchants work directly with a Titanium Payments project manager to design and build a tailored payments solution. The Titanium Flex API can be used to integrate payments directly into the client's existing software.
eCommerce & Card Not Present
Titanium Payments manages eCommerce payment services for large internet retailers and acts as a direct provider for leading payment gateways including Paytrace, Authorize.net, and eProcessing Network. This service covers card-not-present transaction processing for online businesses.
Mobile Processing
Titanium Payments provides mobile payment processing solutions that are easy to use, affordable, and secure. The company offers both in-house mobile solutions and some of the nation's top third-party mobile products. These solutions allow businesses to accept payments anywhere.
Pay At The Pump
Titanium Payments offers a petroleum payment processing program designed for gasoline stations that can work with most fuel controllers and supports processing for most fleet cards. The program expands processing options beyond the historically limited choices available to gas stations.
PCI Compliance
Titanium Payments provides PCI compliance support to ensure that each merchant is compliant with payment card industry data security standards, protecting both merchant and consumer data. The company has dedicated PCI administrators who assist businesses through the compliance process.
Restaurant & Hospitality
Titanium Payments integrates with many of the nation's top point-of-sale solutions built specifically for bars, restaurants, and hotels. The service combines compatible POS integrations with wholesale processor-direct pricing to deliver a cost-effective solution for the hospitality industry.
Titanium Boost Business Mastercard
The Titanium Boost Business Mastercard is a business card issued by Patriot Bank, N.A. that gives merchants early access to their sales revenue before funds reach their bank account. Spending power adjusts with sales volume, and cardholders can repay early to earn credit back, with no fees, no interest, and no credit check required. It also helps businesses build a business credit profile with every transaction.
Titanium Flex
Titanium Flex is a customizable payments platform that allows businesses to manage cash flow and integrate payment processing with their existing data, systems, and customer journey. The platform is tailored by developers to fit each business's specific payment process and includes a Flex API for software integration. It offers flexibility in pricing and technology without locking merchants into contracts with banks, processors, or point-of-sale providers.
Considering Titanium Payments?
Our team will work with you to determine if Titanium Payments is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.