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360 Payments, Inc.

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360 Payments
Type of businessPrivate
Founded2011; 10 years ago (2011)
Campbell, California
Area servedUnited States.[2]
Founder(s)Steve Ciabattoni
Lisa Coyle
Key peopleSteve Ciabattoni (Co-founder and CEO)
Lisa Coyle (Co-founder and CEO)
Derek B. Distenfield (COO)
Jesse Meddaugh (Partner)
IndustryFinancial services
ProductsPoint of Sale, Credit Card Processing, Mobile Payments, Integrated APIs, Online Billing, Ecommerce, Recurring billing, Micropayments, CVV/AVS
Launched2011; 10 years ago (2011)

360 Payments is a financial services, merchant services aggregator, and mobile payment company based in Campbell, California which specializes in business-to-business transactions. The company markets several products aimed at merchants such as payment processing, point of sale, and APIs.[3] Starting as a small business in the San Francisco Bay Area, the business has grown to have a presence in almost all fifty states[4] and has focused on the auto industry, processing payments for nearly 1,000 auto repair shops.[5]

360 Payments' main focus on customer service and consultation has offered transparency in a traditionally opaque and confusing industry.[5]


360 Payments' was founded by Steve Ciabattoni and Lisa Coyle in 2011 as a payment processor, and has since grown to offer services in E-commerce, API integration, and point of sale[3], with 28 employees[6]



Velox is a Pci compliant API designed for payment integration with IOS, Android (operating system), Windows, and EMV based payment systems.[7]


360 Payments offers support for most point-of-sale solutions, including Verifone, Clover, Aloha, and more. They offer installation services as well as integration with USAePay, Auth.net, or their in-house API Velox.[8]



360 Payments declares their mission to "Remove the stigma of credit card processing by delivering honest and pain-free payments"[9] as one of their main selling points.[9] They also advertise a personal approach to payment solutions, listing their main values as "love, scrappy, honest to a fault, bleeding '360 Payments Green', and progressive."[9]

360 Payments places a high priority on customer service, receiving 5.0 stars on Yelp![10] and offering no hidden fees and full transparency[11] to distinguish their service from other competitors such as Square, Inc.


  1. https://www.yelp.com/biz/360-payments-campbell?osq=360+payments. Retrieved July 10, 2018. Missing or empty |title= (help)
  2. "Reducing Liabilities in Credit Card Processing".
  3. 3.0 3.1 "360 Payments - Credit Card Processing - Business Payment Services". www.360payments.com. Retrieved 2018-07-10.
  4. "Reducing Liabilities in Credit Card Processing". Retrieved 2018-07-10.
  5. 5.0 5.1 "RR 264: Steve Ciabattoni from 360 Payments - Remarkable Results Radio". remarkableresults.biz. Retrieved 2018-07-10.
  6. "Spread the Word: 360 Payments Is No. 1771 on the Inc. 5000 This Year!". Inc.com. Retrieved 2018-07-10.
  7. "Welcome to the Integration Age". Welcome to the Integration Age. Introducing Velox by @360Payments. Retrieved 2018-07-10.
  8. "So Many Choices, So Little Time". So many choices, so little time - let @360payments help you find your perfect #POS match. Retrieved 2018-07-10.
  9. 9.0 9.1 9.2 "About Us - 360 Payments - Credit Card Processing". www.360payments.com. Retrieved 2018-07-10.
  10. "360 Payments - Campbell, CA". Yelp. Retrieved 2018-07-10.
  11. "360 Payments Review 2018". www.cardfellow.com. Retrieved 2018-07-10.

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