Acquisition momentum Payliance acquired Secure Payment Systems in February 2022, indicating a shift in ownership and potential upsell opportunities related to existing SPS client base and integration paths with Payliance solutions.

SMB to mid-market SPS serves over 10,000 retail, wholesale, and corporate endpoints, suggesting a strong foothold with small to mid-size businesses and potential for cross-sell into larger enterprise payment programs and more advanced risk management tools.

Diversified offer A broad product suite including EZPAY Advantage, ACH processing, host-to-host verification, remote check imaging, gift/loyalty cards, and credit card processing provides multiple entry points for expansion through upsell of treasury, fraud, and loyalty solutions.

Healthcare and government overlap SPS already targets government and service providers; highlighting opportunities to tailor compliance, ACH risk controls, and batch processing optimizations could resonate with regulated sectors seeking streamlined payments and reporting.

Tech adoption Active use of analytics and tracking tools (Google Analytics, Facebook Pixel, Microsoft Clarity) signals potential for data-driven marketing and API-led product enhancements to improve onboarding, retention, and merchant adoption of new payment features.