FinnPay
Merchant Processing, Business Funding & Payroll Services
Unified solutions for Small Businesses: simplified payroll, flexible funding, and transparent merchant processing
Why Choose FinnPay?
FinnPay is your trusted fintech partner for small and mid‑sized businesses.
We unify access to payroll, funding, merchant processing, marketing, and sales tools into one seamless account team,
saving you time, reducing costs, and accelerating growth.
PAYROLL SERVICES
💼 Payroll Services – Built for Accuracy, Compliance, and EaseAutomated Payroll Runs: Save time with scheduled payments, tax filings, and direct deposits.W-2 & 1099 Support: Seamlessly manage employees and contractors in one dashboard.Tax Compliance Made Simple: Federal, state, and local filings handled automatically.Accounting Integration: Sync with QuickBooks, Xero, and other platforms for clean books.Employee Self-Service: Give staff access to pay stubs, tax forms, and updates — no admin bottlenecks.Secure & Scalable: Bank-grade encryption and multi-factor authentication protect sensitive data.
LOANS / DEBT CONSOLIDATION
💸 Business Loans – Fast, Flexible Funding That Works for YouTailored Terms: Rates and repayment plans customized to your industry and business profile.Rapid Approvals: Most decisions made within 48 hours — because timing matters.Transparent Pricing: No hidden fees. No confusing fine print.Revenue-Based Options: Flexible repayment tied to your cash flow, not rigid schedules.Growth-Ready Capital: Use funds for expansion, inventory, payroll, or emergencies.Merchant Advocacy Built In: We negotiate fair terms and protect you from predatory lending.
MERCHANT PROCESSING
🛒 Merchant Processing – Fair, Fast, and Fully TransparentFlat-Rate Pricing: No tiered traps or surprise surcharges — just predictable costs.Real-Time Reporting: Track transactions, fees, and deposits with live dashboards.Next-Day Deposits: Keep cash flowing with fast settlement options.Omni-Channel Support: In-store, online, mobile — we’ve got you covered.Chargeback Protection: Dispute resolution tools and fraud monitoring built in.Merchant Advocacy Guarantee: We fight for fair rates, honest terms, and your bottom line.
FinnPay is your financial clarity partner.
From payroll to capital to commerce, we simplify operations and amplify growth,always with your best interests in mind.
Simplifying Payroll, Loans,
and
Merchant Processing
We provide clear, accessible solutions for managing payroll, securing business loans, consolidating debt, and processing payments.
Payroll Services
Made Simple
Automate your payroll with a secure, compliant system. Ensure accurate employee payments, tax filings, and reporting — all integrated with your accounting tools.
Flexible
Business Funding
Access working capital fast with FinnPay’s business loans and alternative financing. Whether you need short‑term cash flow or long‑term growth capital, FinnPay delivers tailored solutions.
Transparent
Merchant Processing
Lower transaction fees and streamline payment acceptance. FinnPay’s merchant processing includes real‑time reporting, secure transactions, and predictable pricing.
One Platform, Three Solutions
Unlike competitors that only offer payroll or payments, FinnPay provides access to processing, payroll, business funding, and consulting services in one unified solution. We ensure every detail is clear and optimized.
Payroll Services
Stress-Free Payroll for Your Business.Let Us Handle Your Payroll So You Can Focus on What Matters.
Why Pay More for Other Payroll Providers? Our comprehensive solution is simple, and our pricing structure is easy-to-understand. There are no hidden fees or add-on costs.
Business Loans We Offer
Text
We understand that many businesses would prefer the option of getting loans without a hard credit pull. That is why we also offer access to 20+ Alternative Funding providers through our partnership with David Allen Capital (DAC) that do not require a hard credit pull for approval.Don't hesitate to contact us for more information.
Meet Furensic Finn – Your Financial Clarity Companion
Furensic Finn is the mascot of financial transparency. With his magnifying glass, he inspects every detail — from payroll to processing. With his bullhorn, he amplifies smart decisions. Finn embodies our commitment to clarity, compliance, and customer advocacy.
Merchant Processing
Discover Hidden Fees in Your Merchant Processing Statement!Our goal is to help business owners uncover how much profit their merchant processor might be costing them. We have created free tools and resources to help businesses increase their profits.
Download Our Free E-Book
In Your Guide to Merchant Processing, you'll gain the insider knowledge every business owner needs to navigate the confusing world of merchant services. Whether you're a small café, a growing e-commerce store, or a multi-location retailer, this guide will empower you to decode statements, identify excessive charges, and take control of your payment processing.
What you’ll learn:
•The fundamentals of how credit card processing actually works
•Clear breakdowns of interchange, surcharging, cash discounting, and dual pricing
•Real-world case studies showing how businesses have saved thousands
•How to spot hidden fees buried in complex statements
•The pros and cons of payment gateways and custom processing setups
•Why working with an independent agent (with smart analytics software) can help you stay fee-freeAlongside expert guidance, you’ll meet Furensic Finn, your fuzzy, fee-fighting sidekick who helps sniff out suspicious charges and make merchant statements fun to tackle.
Whether you're renegotiating your rates or switching processors, this book is your action plan to save money, simplify payments, and gain the upper hand.
Customer Success Stories
Businesses using FinnPay report:
30% faster payroll cycles
20% lower transaction fees
Funding approvals in under 48 hours
Testimonial: “FinnPay simplified our operations and saved us thousands annually."
Get Started with FinnPay
Join the growing number of businesses choosing FinnPay for smarter financial solutions. Whether you need simplified payroll, funding support, or merchant processing, FinnPay is here to help you thrive.
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FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Privacy Policy / Terms and Conditions
© 2025-2026 FinnPay | IMC Payments LLC. All rights reserved.
Thank you!
Thank you for joining our email list.
Privacy PolicyEffective Date: December 10, 2025FinnPay ("FinnPay," "we," "us," or "our") is a division of IMC Payments LLC. We are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website or use our services.
By using FinnPay | IMC Payments LLC services, you consent to the practices described in this Privacy Policy.FinnPay is committed to protecting your privacy and ensuring the security of your personal and business information. This Privacy Policy outlines the types of data we collect, how we use it, and your rights regarding that information.Information We CollectWe collect the following categories of information to provide our services:1. Payroll ServicesEmployee names, addresses, and contact detailsSocial Security Numbers and tax identification numbersBank account information for direct depositSalary, wage, and compensation dataTax withholding preferences2. Business LoansBusiness name, EIN, and legal structureOwner identification (e.g., driver’s license, SSN)Financial statements and bank account detailsCredit history and business performance metricsLoan application details and repayment history3. Merchant ProcessingBusiness name and contact informationTransaction data (amounts, timestamps, payment methods)Customer payment details (encrypted)Device and IP information for fraud preventionHow We Use Your InformationWe use your data to:Deliver payroll, loan, and merchant processing servicesVerify identity and prevent fraudComply with legal and regulatory obligationsImprove our platform and user experienceCommunicate updates, offers, and service alertsData Sharing and DisclosureWe do not sell your personal information. We may share data with:Government agencies for tax and compliance purposesFinancial institutions for loan underwriting and payment processingThird-party service providers under strict confidentiality agreementsData SecurityFinnPay uses industry-standard encryption, secure servers, and multi-factor authentication to protect your data. Access is restricted to authorized personnel only.Your RightsYou may:Request access to your personal dataCorrect or update inaccurate informationRequest deletion of your data (subject to legal retention requirements)Opt out of marketing communications
Terms and ConditionsEffective Date: December 10, 2025These Terms and Conditions govern your use of FinnPay’s services, including payroll, business loans, and merchant processing.1. Acceptance of TermsBy using FinnPay, you agree to these Terms and our Privacy Policy. If you do not agree, do not use our services.2. EligibilityYou must be 18 years or older and authorized to act on behalf of a business entity to use FinnPay.3. Service UsePayroll: You are responsible for accurate employee data and timely approvals.Loans: Approval is subject to underwriting criteria. FinnPay reserves the right to deny applications.Merchant Processing: You agree to comply with payment network rules and maintain PCI compliance.4. Fees and PaymentsService fees are outlined in your onboarding agreement. FinnPay may deduct fees from processed transactions or invoice monthly.5. Account SecurityYou are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.6. TerminationFinnPay may suspend or terminate services for violation of these Terms, fraud, or non-payment.7. Limitation of LiabilityFinnPay is not liable for indirect, incidental, or consequential damages. Our total liability is limited to the amount paid for services in the past 12 months.8. Governing LawThese Terms are governed by the laws of the Commonwealth of Virginia. Disputes will be resolved through binding arbitration.9. Changes to TermsFinnPay may update these Terms and will notify users via email or dashboard alerts. Continued use constitutes acceptance.For questions or concerns, contact us at [email protected]
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Privacy Policy / Terms and Conditions
© 2025-2026 FinnPay | IMC Payments LLC. All rights reserved.
About FinnPayOur management team has been helping businesses with their financial and risk management needs for over 30 years.Our MissionFinnPay exists to simplify and empower small business finance. We unify payroll, business funding, and merchant processing into one seamless platform — helping entrepreneurs save time, reduce costs, and grow with confidence.Who We ServeWe specialize in supporting small and mid-sized businesses across retail, hospitality, services, construction, professional services, e-commerce, and more. Whether you're paying employees, applying for capital, or accepting payments, FinnPay delivers clarity, speed, and trust.What Makes Us DifferentUnified Platform: Payroll, loans, and merchant processing — all in one place.Transparent Pricing: No hidden fees. No confusing terms.Fast Funding: Business loans approved in as little as 48 hours.Secure Payroll: Automated, compliant, and integrated with your accounting tools.Reliable Processing: Accept payments with predictable rates and real-time reporting.Meet Furensic FinnFurensic Finn is our mascot and your financial clarity companion. Finn represents our commitment to transparency, advocacy, and precision. He’s here to help you examine every detail and amplify smart decisions.Our Values=Clarity:= We believe financial services should be understandable and accessible.Integrity: We operate with honesty and accountability.Empowerment: We build tools that help businesses thrive.Innovation: We continuously improve to meet the evolving needs of entrepreneurs.OUR PROMISEFinnPay is more than a fintech platform — we’re your partner in growth. From your first payroll run to your next funding round, to getting paid, we’re here to make finance frictionless.
Ready to simplify your business finances?
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Contact Us
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Payroll Services
With everything simple and online, you only pay:$49.95 Per Month
Plus
$6.00 Per Employee Per Month
Not Per PayrollEnd of Year
W2 One Time Set Up $50.00W2/1099 - $7.75 Per Employee
Why Pay More for Other Payroll Providers?
FinnPay has partnered with Covalecore LLC to provide a simple and comprehensive solution, with a pricing structure that is easy to understand. There are no hidden fees or add-on costs.
Loan Pricing
We understand that every business is unique.
Loan pricing is determined by a variety of factors including your industry, financial history, cash flow, and overall business circumstances.Because no two businesses are alike, interest rates, repayment terms, and fees are tailored to reflect your specific needs and risk profile. This ensures that our funding solutions remain fair, flexible, and aligned with your growth goals.
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Merchant Processing
There are several different pricing options available. We know that every business is unique and has different needs.
Dual Pricing - Offers two prices: a credit card price and a cash price
Surcharging - You pass the processing costs to the consumer!
Interchange+ - Wholesale Pricing
Flat Rate - Transparent cost to process a credit card payment
Tiered Pricing - Groups all the interchange rates into three tiers
We work with you to help you in choosing the best option for your business.Download our free Guide To Merchant Processing.
Privacy Policy / Terms and Conditions
© 2025-2026 FinnPay | IMC Payments LLC. All rights reserved.
Your Payroll Partner
FinnPay's partnership with Covalecore's RunPayroll specializes in providing reliable and efficient payroll services tailored for small businesses. We simplify your payroll process, ensuring accurate and timely payments to your employees, freeing you to focus on what matters most: growing your business.
With Our RunPayrollYou Can:
• Preview your payroll online before you process, so you know it’s accurate.
• Access your payroll reports online and export them into a format that best suits your needs.
• Use our comprehensive online help or talk to a friendly, U.S.-based payroll expert.
Our RunPayroll Provides Your Employees With:
• The option for direct deposit or manual checks.
• Email notices to let them know when they’ve been paid.
• Secure online access to their individual pay stubs and payroll history.
Comprehensive Payroll Solutions
Streamlined Payroll Processing
Accurate and Timely Payments
Compliance and Security
Save Time
Save Money
Wherever/ Whenever
Streamlined Payroll Processing
Automate your payroll tasks with ease, from calculating wages and deductions to generating paychecks and filing taxes, saving you valuable time and reducing errors.Accurate and Timely Payments
Ensure your employees are paid accurately and on time every time, fostering trust and improving employee satisfaction.Compliance and Security
Stay compliant with labor laws and regulations, ensuring your business is protected from potential legal issues with automated tax calculations and reporting.Save Time
Our Payroll Services lets you process payroll in a few simple steps.Once you’re set up, just confirm or update any information, preview for accuracy and then approve payroll.Save Money
With everything simple and online, you only pay:$49.95 Per Month
Plus
$6.00 Per Employee
Per Month
NOT PER PAYROLLW2 One Time Set Up $50.00W2/1099
$7.75 Per EmployeeWherever/ Whenever
Run payroll wherever and whenever it’s convenient for you. You no longer have to phone and fax payroll information to a representative. With everything online, it’s simple and convenient so you can focus on what’s most important for your business.
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Our Pledge To You
Peace of Mind
You won’t have to worry about calculating and filing your payroll taxes. We automatically calculate, file and pay your federal, state and local payroll taxes for you, helping you avoid costly IRS fines.Professional Support
Even with everything online, you have access to payroll professionals 6 days a week by phone, email or online live chat.Account Manager
In addition to our US based support team available by phone, email, or online live chat, you will also have a dedicated account manager you can call directly.
Your focus should be on growing your business,
Not running payroll.
Here’s A Summary of How We Help You:• You save time with our simple process that takes just minutes to complete.• Once you enter payroll, your taxes are managed completely by us – there’s no more work for you.• You have 24/7 access to online payroll reports.• You save money with an affordable service and can pay your independent contractors (1099s) on the same payroll as your employees.• You can enter payroll whenever and wherever you want with our online system.• We’ll help to ensure you never miss a pay period. We’ll send you email reminders when it’s time to process.• With employee online access to their individual payroll information, you won’t have to manage and distribute payroll data to your employees.• With our accounting integration, you can import payroll information into a general ledger to save time and reduce entry errors.
Count On Us To:• Calculate wages and deductions.• Deduct, file and pay all federal, state and local payroll taxes automatically.• Pay your employees by direct deposit or print checks yourself.• Provide comprehensive online reports that you can access any time.• Keep up with changing tax laws to help you avoid costly IRS fines.
Privacy Policy / Terms and Conditions
© 2025-2026 FinnPay | IMC Payments LLC. All rights reserved.
FREQUENTLY ASKED QUESTIONS
Merchant Processing FAQs
Q: What types of payments can I accept with FinnPay?
A: You can accept credit cards, debit cards, and digital wallets. Our system supports both in‑person and online transactions.
Q: How transparent are the fees?
A: FinnPay offers predictable, upfront pricing with no hidden charges. You’ll always know what you’re paying per transaction.
Q: How quickly are funds deposited?
A: Most transactions settle within 1–2 business days, depending on your bank and processing volume.
Q: Does FinnPay help prevent fraud?
A: Yes. We use advanced fraud detection tools, device monitoring, and encryption to safeguard your transactions.
Q: Can I track transactions in real time?
A: Definitely. Our dashboard provides live reporting so you can monitor sales, fees, and deposits instantly.
Business Loan FAQs
Q: What types of businesses do you fund?
A: We fund a wide range of small to medium-sized businesses across various industries, including retail, restaurants, healthcare, construction, and more. If your business generates regular revenue, we’re here to help.
Q: How much funding can I qualify for?
A: The funding amount depends on your business’s monthly revenue and financial health. Typically, you can qualify for up to 1.5 times your average monthly revenue.
Q: Why do loan rates vary between businesses?
A: Every business has unique circumstances. Industry type, financial history, cash flow, and credit profile all influence pricing. FinnPay tailors loan terms to reflect your specific situation.
Q: How is eligibility determined?
A: Eligibility is based on a combination of factors including your business’s revenue, time in operation, creditworthiness, and repayment capacity. We use these metrics to ensure fair and responsible lending. To qualify, you’ll need to have been in business for at least 6 months, have a minimum monthly revenue of $10,000, and provide your last 3 months of business bank statements.
Q: What fees should I expect?
A: FinnPay is committed to transparency. Fees are disclosed upfront and may include origination costs or processing charges, depending on the loan type. There are no hidden fees.
Q: Can loan terms be customized?
A: Yes. We work with you to design repayment schedules and loan structures that align with your business goals and industry realities.
Q: How quickly can I access funds?
A: Many businesses receive funding approvals within 48 hours, with disbursement shortly thereafter. Timing depends on the complexity of your application and supporting documentation.
Q: Will applying for funding affect my credit score?
A: No, submitting an application will not impact your credit score. We perform a soft credit pull during the initial review process.
Q:Do you require collateral for funding?
A: No, our funding solutions are unsecured, meaning you do not need to provide collateral to qualify.
Q: What can I use the funds for?
A: You can use the funds for virtually any business need, such as purchasing inventory, covering payroll, marketing, equipment upgrades, or handling unexpected expenses.
Q: Are there any upfront fees?**
A: No, we do not charge any upfront fees to apply for funding. All costs will be transparent and clearly outlined before you accept any offer.
Q: How do I get started?
A: Getting started is simple - complete our quick online application form, upload your last 3 months of bank statements, and let us handle the rest. We’ll guide you through the process every step of the way.
Click Here To Apply For A Loan
Payroll Services FAQs
Q: How does FinnPay simplify payroll?
A: Our platform automates employee payments, tax filings, and reporting. This reduces errors and saves time for business owners.
Q: Is payroll data secure?
A: Yes. FinnPay uses industry-standard encryption and multi-factor authentication to protect sensitive employee and financial information.
Q: Can payroll integrate with my accounting software?
A: Absolutely. FinnPay integrates with major accounting platforms to streamline bookkeeping and compliance.
Q: How are taxes handled?
A: We automatically calculate, withhold, and file payroll taxes in compliance with federal and state regulations.
Q: What if I have contractors as well as employees?
A: FinnPay supports both W‑2 employees and 1099 contractors, ensuring accurate payments and reporting for each.
Business Consulting FAQs
Q: What types of businesses benefit from FinnPay consulting?
A: We work with small to mid-sized businesses across retail, hospitality, services, and e-commerce. Our consulting adapts to your industry’s unique challenges.
Q: How does FinnPay’s consulting differ from others?
A: Unlike generic firms, we combine fintech expertise with merchant advocacy. That means we don’t just advise — we actively protect your interests in negotiations and financial decisions.
Q: Do you offer customized solutions?
A: Yes. Every engagement is tailored to your business goals, whether that’s scaling sales, improving marketing ROI, or restructuring management processes.
Q: Can consulting integrate with FinnPay’s financial services?
A: Absolutely. Our consulting is designed to complement payroll, loans, and merchant processing, giving you a unified growth strategy.
Q: How do I measure success from consulting?
A: We set clear KPIs at the start — from revenue growth to operational efficiency — and provide regular reporting to track progress.
FinnPayâ„¢ | IMC Payments LLC
1309 Coffen Ave, Suite 1200
Sheridan WY 82801
800.789.9987
[email protected]
Privacy Policy / Terms and Conditions
© 2025-2026 FinnPay | IMC Payments LLC. All rights reserved.