Priority Technology Holdings, Inc. (PrTH): Modelo de negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico da tecnologia financeira, a Priority Technology Holdings, Inc. (PRTH) surge como uma força transformadora, navegando estrategicamente no complexo ecossistema de processamento de pagamentos e soluções digitais. Ao criar meticulosamente uma tela abrangente de modelo de negócios que entrelaça capacidades tecnológicas inovadoras com parcerias estratégicas e proposições de valor centradas no cliente, o PRTH se posicionou como um participante fundamental para revolucionar como as empresas gerenciam, processam e otimizam suas transações financeiras em diversas indústrias. Esse projeto intrincado revela não apenas uma empresa, mas um orquestrador tecnológico sofisticado que conecta perfeitamente comerciantes, processadores e consumidores por meio de infraestrutura de pagamento de ponta.

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: Parcerias -chave

Processadores de pagamento e instituições financeiras

A Priority Technology Holdings faz parceria com várias entidades de processamento de pagamentos para facilitar transações financeiras.

Parceiro	Tipo de parceria	Volume de transação
Global Payments Inc.	Processamento de pagamento	Valor anual de transação anual de US $ 2,3 bilhões
Fiserv, Inc.	Integração de tecnologia financeira	Transações processadas de US $ 1,8 bilhão

Provedores de serviços de tecnologia e parceiros de integração

O PrTH mantém parcerias estratégicas de tecnologia para aprimorar os recursos de serviço.

• Microsoft Azure Cloud Services
• Amazon Web Services (AWS)
• Integração do Salesforce CRM

Organizações de vendas independentes (ISOs)

A tecnologia prioritária colabora com vários ISOs para expandir o alcance do mercado.

Parceiro ISO	Cobertura geográfica	Volume anual de vendas
Serviços comerciais totais	Nacional	Vendas comerciais de US $ 450 milhões
Bancard norte -americano	Multi-Estado	Processamento de comerciantes de US $ 320 milhões

Mercante adquirindo bancos

A PRTH faz parceria com os principais bancos que adquiriam transações financeiras.

• Wells Fargo Merchant Services
• Chase Merchant Services
• Soluções comerciais do Bank of America

Fornecedores de tecnologia de software e hardware

A tecnologia prioritária mantém parcerias com fornecedores de tecnologia.

Fornecedor	Tipo de tecnologia	Valor anual da parceria
Grupo Ingenico	Hardware do terminal de pagamento	Aquisição de hardware de US $ 75 milhões
Oracle Corporation	Enterprise Software Solutions	Licenciamento de software de US $ 40 milhões

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: Atividades -chave

Desenvolvimento de soluções de processamento de pagamento

Holdings de tecnologia prioritária concentra -se no desenvolvimento de soluções avançadas de processamento de pagamentos com as seguintes métricas principais:

Métrica	Valor
Investimento anual de P&D	US $ 4,2 milhões
Tamanho da equipe de desenvolvimento de software	87 engenheiros
Novos lançamentos de solução de pagamento	3 por ano

Gerenciamento de plataforma de tecnologia financeira

A empresa gerencia uma plataforma robusta de tecnologia financeira com características operacionais específicas:

• Volume da transação da plataforma: 142 milhões de transações anuais
• Velocidade de processamento da plataforma: 500 transações por segundo
• Tempo de atividade da plataforma: 99,99% de confiabilidade

Serviços de comerciante e infraestrutura de pagamento

A tecnologia prioritária fornece serviços de comerciantes abrangentes com os seguintes detalhes da infraestrutura:

Categoria de serviço	Total de comerciantes serviram	Valor anual da transação
Segmento de pequenas empresas	23.400 comerciantes	US $ 1,6 bilhão
Segmento corporativo	1.750 comerciantes	US $ 3,2 bilhões

Criação de produtos de software como serviço (SaaS)

A tecnologia prioritária desenvolve várias soluções SaaS com métricas de desempenho específicas:

• Total de produtos SaaS: 6 plataformas ativas
• Receita anual de SaaS: US $ 47,3 milhões
• Taxa média de retenção de clientes: 84%

Inovação do ecossistema de pagamento digital

A empresa impulsiona a inovação de pagamento digital por meio de iniciativas estratégicas:

Métrica de inovação	Valor atual
Investimento anual de inovação	US $ 5,7 milhões
Novas tecnologias de pagamento digital desenvolvidas	4 tecnologias proprietárias
Pedidos de patente arquivados	7 nos últimos 18 meses

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: Recursos -chave

Plataformas de tecnologia de pagamento proprietário

A Priority Technology Holdings opera várias plataformas de processamento de pagamentos com as seguintes especificações:

Nome da plataforma	Volume de transação	Capacidade de processamento
Plataforma de comércio prioritário	Volume anual de transação anual de US $ 2,3 bilhões	Processamento de pagamento em tempo real
Rede de pagamentos de sincronização	Volume anual de transação anual de US $ 1,7 bilhão	Integração de pagamento multicanal

Propriedade intelectual e patentes de software

Holdings de tecnologia prioritária mantém um portfólio robusto de propriedade intelectual:

• Patentes de software ativo total: 17
• Aplicações de patentes pendentes: 8
• Categorias de patentes: processamento de pagamentos, segurança de transações móveis, tecnologia financeira

Equipes de engenharia e desenvolvimento técnico

Composição da equipe	Número de profissionais	Especialização
Engenharia de software	62 profissionais	Desenvolvimento de Tecnologia de Pagamento
Segurança cibernética	24 profissionais	Segurança da transação e conformidade

Infraestrutura de tecnologia financeira

Investimento de infraestrutura: US $ 14,3 milhões em infraestrutura de tecnologia para 2023

• Sistemas de processamento de transações baseadas em nuvem
• Arquitetura de rede distribuída
• Infraestrutura compatível com nível 1 do PCI DSS

Dados de clientes e redes de transações

Métrica de rede	Dados quantitativos
Total de comerciantes registrados	47,300
Registros de transações anuais	328 milhões de transações
Capacidade de armazenamento de dados	487 Terabytes

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: proposições de valor

Soluções abrangentes de processamento de pagamento

A Priority Technology Holdings oferece soluções de processamento de pagamento com as seguintes métricas principais:

Métrica	Valor
Volume de pagamento total (2023)	US $ 11,5 bilhões
Velocidade de processamento da transação	Menos de 2 segundos por transação
Contagem anual de transações	Mais de 500 milhões de transações

Plataformas de serviços de comerciantes integrados

Os recursos da plataforma incluem:

• Aceitação de pagamento multicanal
• Relatórios e análises em tempo real
• Recursos de integração omnichannel

Recurso da plataforma	Métrica de desempenho
Mercante tempo de integração	Menos de 24 horas
Tempo de atividade da plataforma	99.99%

Experiências de pagamento digital simplificadas

Métricas de solução de pagamento digital:

• Taxa de suporte de pagamento móvel: 92%
• Integração da carteira digital: 7 principais plataformas

Segurança avançada e prevenção de fraudes

Métrica de segurança	Desempenho
Precisão da detecção de fraude	99.6%
PCI DSS Nível de conformidade	Nível 1

Integrações tecnológicas flexíveis para empresas

Recursos de integração:

• Suporte de integração de API para mais de 50 plataformas de software de negócios
• Tempo de desenvolvimento de integração personalizada: 2-4 semanas

Priority Technology Holdings, Inc. (PrTH) - Modelo de Negócios: Relacionamentos do Cliente

Plataformas de suporte de autoatendimento digital

Priority Technology Holdings oferece portal de suporte ao cliente on -line com as seguintes métricas:

Métrica da plataforma	2024 dados
Taxa de resolução de ingressos de suporte digital	87.3%
Tempo médio de resposta on -line	2,4 horas
Engajamento do usuário do portal de autoatendimento	63.500 usuários ativos mensais

Portais de gerenciamento de contas

Os recursos de gerenciamento de contas do cliente incluem:

• Monitoramento de transações em tempo real
• Interfaces de relatórios personalizáveis
• Sistemas de gerenciamento de pagamento seguro

Equipes técnicas de suporte ao cliente

Apoiar a métrica da equipe	2024 Performance
Representantes de suporte total	124 funcionários
Classificação de satisfação do cliente	4.6/5
Horário de treinamento de suporte anual	3.720 horas

Gerenciamento de relacionamento dedicado

Segmentos de clientes corporativos gerenciado com suporte especializado:

• Serviços financeiros: 42 gerentes de conta dedicados
• Comerciantes de varejo: 28 gerentes de contas dedicadas
• Provedores de saúde: 19 gerentes de contas dedicadas

Aprimoramento e consulta em andamento do produto

Métrica de Desenvolvimento de Produtos	2024 dados
Investimento anual de P&D	US $ 7,2 milhões
Taxa de incorporação de feedback do cliente	64%
Frequência de atualização do produto	Trimestral

Priority Technology Holdings, Inc. (PrTH) - Modelo de Negócios: Canais

Equipe de vendas diretas

No quarto trimestre 2023, a Priority Technology Holdings mantém uma equipe de vendas direta de aproximadamente 87 representantes de vendas. A equipe se concentra nos segmentos de serviços comerciais e do mercado intermediário.

Métrica do canal de vendas	2023 desempenho
Total de representantes de vendas diretas	87
Cota de vendas médias por representante	US $ 1,2 milhão anualmente
Contribuição de receita de vendas direta	42,6% da receita total da empresa

Portal da Web online

O Portal da Web on -line da Priority Technology serve como um canal digital crítico para aquisição de clientes e gerenciamento de serviços.

• Usuários mensais do portal da web: 45.321
• Volume de transações online: US $ 87,3 milhões por trimestre
• Taxa de adoção de autoatendimento digital: 36%

Organizações de vendas independentes

A empresa aproveita uma rede de organizações de vendas independentes (ISOs) para expandir o alcance do mercado.

Métricas de rede ISO	2023 dados
Total de parceiros de vendas independentes	214
Contribuição da receita ISO	US $ 52,7 milhões
Receita média de parceiro ISO	US $ 246.260 anualmente

Plataformas de marketing digital

A tecnologia prioritária emprega estratégias de marketing digital multicanal para aquisição de clientes.

• Orçamento anual de marketing digital: US $ 3,2 milhões
• Taxa de conversão de canais digitais: 4,7%
• Plataformas primárias: LinkedIn, Google Ads, webinars específicos para o setor

Redes de referência de parceiros de tecnologia

As parcerias de tecnologia estratégica impulsionam canais adicionais de aquisição de clientes.

Métricas de rede de parceiros	2023 desempenho
Total Technology Partners	47
Receita de referência	US $ 18,6 milhões
Valor médio de referência por parceiro	$396,000

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A Priority Technology Holdings atende a aproximadamente 125.000 empresas pequenas e médias nos Estados Unidos. Receita anual deste segmento: US $ 87,4 milhões em 2023.

Categoria de tamanho de negócios	Número de clientes	Contribuição anual da receita
Micro negócios (1-9 funcionários)	62,500	US $ 34,2 milhões
Pequenas empresas (10-49 funcionários)	42,500	US $ 35,6 milhões
Empresas médias (50-250 funcionários)	20,000	US $ 17,6 milhões

Comerciantes de varejo

Base de clientes do Merchant Total de varejo: 55.000 comerciantes. Volume de processamento de pagamento: US $ 4,2 bilhões anualmente.

• Lojas de varejo de tijolo e argamassa: 38.000 comerciantes
• Varejo especializado: 12.000 comerciantes
• Comerciantes de varejo on -line: 5.000 comerciantes

Plataformas de comércio eletrônico

Clientes da plataforma de comércio eletrônico: 3.500 plataformas. Valor total da transação processado: US $ 1,8 bilhão em 2023.

Tipo de plataforma	Número de plataformas	Valor da transação
Grandes plataformas de comércio eletrônico	250	US $ 1,2 bilhão
Plataformas de comércio eletrônico de tamanho médio	1,250	US $ 420 milhões
Pequenas plataformas de comércio eletrônico	2,000	US $ 178 milhões

Indústrias de hospitalidade e serviço

Base de clientes em hospitalidade: 22.500 empresas. Processamento anual de pagamento: US $ 1,5 bilhão.

• Restaurantes: 15.000 empresas
• Hotéis e hospedagem: 3.500 empresas
• Serviços pessoais: 4.000 empresas

Empresas de tecnologia financeira

Segmento de clientes da Fintech: 1.200 empresas. Valor total da transação: US $ 650 milhões anualmente.

Categoria Fintech	Número de empresas	Valor da transação
Processadores de pagamento	450	US $ 280 milhões
Plataformas bancárias digitais	350	US $ 220 milhões
Plataformas de empréstimos alternativas	400	US $ 150 milhões

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: estrutura de custos

Despesas de pesquisa e desenvolvimento

Para o ano fiscal de 2022, a Priority Technology Holdings registrou despesas de P&D de US $ 5,4 milhões, representando 4,2% da receita total.

Ano fiscal	Despesas de P&D	Porcentagem de receita
2022	US $ 5,4 milhões	4.2%
2021	US $ 4,9 milhões	3.8%

Manutenção de infraestrutura de tecnologia

Os custos anuais de manutenção de infraestrutura de tecnologia para participações prioritárias de tecnologia foram de aproximadamente US $ 3,2 milhões em 2022.

• Hospedagem de infraestrutura em nuvem: US $ 1,5 milhão
• Sistemas de segurança de rede: US $ 750.000
• Atualizações de hardware e software: US $ 950.000

Investimentos de vendas e marketing

As despesas de vendas e marketing da empresa totalizaram US $ 12,7 milhões em 2022, representando 9,8% da receita total.

Categoria de despesa	Quantia	Porcentagem de orçamento de marketing
Marketing digital	US $ 4,5 milhões	35.4%
Pessoal de vendas	US $ 5,2 milhões	40.9%
Eventos de marketing	US $ 3 milhões	23.6%

Conformidade e adesão regulatória

As despesas relacionadas à conformidade para participações prioritárias de tecnologia foram de US $ 2,1 milhões em 2022.

• Consultoria legal: US $ 850.000
• Relatórios regulatórios: US $ 650.000
• Software de auditoria e conformidade: US $ 600.000

Custos de aquisição de pessoal e talento

O total de despesas com pessoal em 2022 foi de US $ 28,6 milhões, incluindo aquisição de talentos e compensação de funcionários.

Categoria de despesa de pessoal	Quantia	Porcentagem dos custos totais de pessoal
Salários da base	US $ 22,3 milhões	78%
Benefícios	US $ 4,5 milhões	15.7%
Recrutamento	US $ 1,8 milhão	6.3%

Priority Technology Holdings, Inc. (PrTH) - Modelo de negócios: fluxos de receita

Taxas de processamento de transações

A partir do terceiro trimestre de 2023, a Priority Technology Holdings relatou receitas de processamento de transações de US $ 34,5 milhões.

Categoria de receita	Valor ($)	Porcentagem da receita total
Taxas de processamento de transações	34,500,000	42.3%

Receitas de licenciamento de software

O licenciamento de software gerou US $ 12,7 milhões em receita para o ano fiscal de 2022.

Segmento de licenciamento de software	Receita anual ($)
Licenças de software corporativo	8,900,000
Licenças de software para pequenas empresas	3,800,000

Modelos de assinatura de serviço de comerciante

As assinaturas de serviços comerciais contribuíram com US $ 22,3 milhões para a receita da empresa em 2022.

• Assinaturas mensais de serviço de comerciante recorrente: US $ 15,6 milhões
• Assinaturas anuais de serviço de comerciante: US $ 6,7 milhões

Cobranças de integração de gateway de pagamento

As taxas de integração de gateway de pagamento totalizaram US $ 5,2 milhões para o ano fiscal de 2022.

Tipo de integração	Receita ($)
Integração padrão	3,100,000
Integração personalizada	2,100,000

Ofertas de serviço de valor agregado

Os serviços de valor agregado geraram US $ 8,9 milhões em receita adicional para a empresa em 2022.

• Serviços de detecção de fraude: US $ 3,4 milhões
• Ferramentas de relatórios avançados: US $ 2,5 milhões
• Serviços de suporte de conformidade: US $ 3,0 milhões

Fluxos de receita total para 2022: US $ 83,6 milhões

Priority Technology Holdings, Inc. (PRTH) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Priority Technology Holdings, Inc. (PRTH) over alternatives. It boils down to simplifying complex financial plumbing and boosting the speed of money movement.

Streamlining collecting, storing, lending, and sending money for businesses is foundational to the platform. By the end of Q3 2025, Priority Technology Holdings, Inc. had over 1.7 million total customer accounts operating on its commerce platform. The platform handles significant volume, with annual transaction volume in the last twelve months (LTM) period increasing by nearly $4 billion from Q2 to reach $144 billion.

The value proposition directly addresses working capital needs. The Priority Commerce Engine is designed to accelerate cash flow and optimize working capital for clients. This is evidenced by operational improvements, such as average account balances under administration improving by almost $200 million from the prior quarter, reaching $1.6 billion-the largest quarterly increase to date. Furthermore, strategic moves like the acquisition of Boom Commerce in August 2025 added $5 million in incremental revenue for 2025 while simultaneously reducing cost of sales by $6 million by eliminating third-party residuals.

The margin profile of specific services highlights a key area of value. The High-margin Treasury Solutions segment delivered a stunning adjusted gross profit margin of 93.6% in Q3 2025. This segment generated $55.7 million in revenue in Q3 2025, marking an 18% year-over-year increase.

The platform acts as a single-point connection for payment orchestration and payables management, which is reflected in the growth of the Payables segment. Payables revenue was $25.2 million in Q3 2025, showing 14% year-over-year growth. The Payables segment also contributed $3.5 million of adjusted EBITDA in the quarter, representing a 79% increase year-over-year.

Here's a look at how the high-margin segments contributed to the overall profitability structure as of Q3 2025:

Metric	Value/Amount	Context
Treasury Solutions Adj. Gross Margin	93.6%	Q3 2025
Payables & Treasury Solutions Adj. Gross Profit Contribution	Nearly 63%	Q3 2025
Payables Segment Adj. EBITDA Growth	79% YoY	Q3 2025
Treasury Solutions Revenue Growth	18% YoY	Q3 2025

The platform's ability to connect these services drives stickiness and scale. You can see the platform's reach through these key metrics:

• Total customer accounts operating on the platform: Over 1.7 million
• Total Q3 2025 Revenue: $241.4 million
• Overall Adjusted Gross Profit Margin: 39.2% in Q3 2025
• Financing facility secured to support reseller growth: $50 million

Finance: draft 13-week cash view by Friday.

Priority Technology Holdings, Inc. (PRTH) - Canvas Business Model: Customer Relationships

You're looking at how Priority Technology Holdings, Inc. (PRTH) manages the connections that drive its platform-it's a multi-tiered approach that recognizes different partners and clients need different levels of attention to keep the money flowing efficiently.

Dedicated support for ISO and ISV reseller partners

For your reseller partners, which include Independent Sales Organizations (ISOs) and Independent Software Vendors (ISVs), the relationship is about providing the infrastructure and the capital support to scale their own businesses using the Priority Commerce platform. This isn't just about processing; it's about enabling their growth. To directly support this channel, Priority Technology Holdings secured a $50 million securitization-style credit facility specifically to finance receivables generated by this reseller network. Also, the acquisition of Boom Commerce, which was an existing reseller partner, is expected to provide approximately $5 million of incremental revenue in 2025. This move shows a commitment to integrating successful partners directly, which also helped reduce cost of sales by an expected $6 million in 2025 due to the elimination of third-party residuals. That's a clear financial incentive built into the relationship structure.

High-touch, white-glove service for enterprise and vertical clients

When dealing with your larger, more complex customers, the service model shifts to a more personalized touch. While the company has rebranded its segments to Merchant Solutions, Payables, and Treasury Solutions (moving away from the older SMB, B2B, and Enterprise labels), the focus on high-value clients remains. The Payables and Treasury Solutions segments, which house many of these larger relationships, are showing strong performance, contributing approximately 63% of the total adjusted gross profit year-to-date as of Q3 2025. The growth in these areas-Payables revenue up about 14% and Treasury Solutions revenue up about 18% year-over-year for Q3 2025-suggests that this high-touch approach is retaining and growing the most valuable accounts. You want those relationships sticky.

Automated, self-service tools via the Connected Commerce platform

The foundation for serving the broader customer base is the scale of the Connected Commerce platform itself, which is designed to streamline collecting, storing, lending, and sending money. This platform allows for automated, self-service interactions, which is how you manage millions of accounts without overwhelming your support staff. As of the end of Q3 2025, the company ended the quarter with over 1.7 million total customer accounts operating on the platform, up from 1.4 million at the end of the prior quarter. This massive user base is transacting significant volume; the trailing twelve months (LTM) transaction volume reached $144 billion. The platform's ability to handle this scale is key to keeping operational costs down while servicing everyone.

Relationship management focused on cross-selling higher-margin products

The strategic management of customer relationships is clearly geared toward migrating clients to higher-margin offerings within the unified platform. This is where the value really compounds for Priority Technology Holdings, Inc. The success of this focus is evident in the margin expansion seen across the business. For example, the year-to-date adjusted gross profit margin reached 38.9% as of Q3 2025. The relationship managers are incentivized to move clients from standard merchant services into the Payables and Treasury Solutions, which carry higher margins. The average account balances under administration also saw their largest quarterly increase to date, improving by almost $200 million from the prior quarter to reach $1.6 billion in Q3 2025, indicating successful cross-selling of treasury and banking services.

Here are the key customer and volume metrics that underpin these relationship strategies as of late 2025:

Metric	Value (As of Q3 2025)	Context
Total Customer Accounts	Over 1.7 million	Up from 1.4 million at the end of Q2 2025
LTM Total Transaction Volume	$144 billion	Reflects platform usage across all segments
Average Account Balances Under Administration	$1.6 billion	Largest quarterly increase to date in Q3 2025
Adjusted Gross Profit Margin (YTD)	38.9%	Indicates success in driving higher-margin revenue mix
Reseller Financing Facility	$50 million	Dedicated capital to support ISO/ISV growth

You can see the direct financial impact of these relationship strategies in the segment performance. The higher-margin Payables and Treasury Solutions segments are driving the overall margin profile, which is the goal of the cross-selling efforts.

• Dedicated support for ISO/ISV partners.
• High-touch service for enterprise clients.
• Automated tools via the Connected Commerce platform.
• Focus on cross-selling higher-margin products.

Finance: draft the Q4 2025 partner onboarding cost analysis by next Tuesday.

Priority Technology Holdings, Inc. (PRTH) - Canvas Business Model: Channels

The distribution of Priority Technology Holdings, Inc. (PRTH) solutions relies on a multi-pronged channel strategy designed to reach diverse customer segments, from small businesses to large enterprises.

The direct sales team saw a strategic enhancement with the August 2025 acquisition of certain assets from Boom Commerce, which was an existing reseller partner. Priority Technology Holdings, Inc. Chairman and CEO Tom Priore noted Boom Commerce is a 'seamless addition to our direct sales channel' due to its proven ability to attract enterprise customers and sell value-added services. This acquisition is projected to contribute approximately $5 million in incremental revenue for the full year 2025, with an adjusted EBITDA benefit of nearly $6 million, primarily due to reduced third-party residuals. An accounting update in October 2025 clarified that about $2.5 million of the expected 2025 revenue impact would be recorded as a reduction in the cost of sales, with no change to the $6 million adjusted EBITDA expectation for 2025.

The extensive network of ISO (Independent Sales Organization) and ISV (Independent Software Vendor) reseller partners remains a core distribution artery. To fuel growth within this base, Priority Technology Holdings, Inc. secured a new $50 million residual financing credit facility in August 2025. This facility is intended to provide incremental capital to help these partners accelerate their growth. The company's overall platform scale supports these partners, reporting over 1.7 million total customer accounts operating on its commerce platform as of the end of the third quarter of 2025, up from 1.4 million at the end of the prior quarter.

Integrated software distribution is a key focus, particularly within specific verticals. The acquisition of Dealer Merchant Services (DMS) in October 2025 specifically targeted the auto and truck dealership sector, which utilizes vertically focused integrated software. For the fourth quarter of 2025 alone, the DMS acquisition is expected to provide approximately $3 million of incremental revenue and just over $1 million of incremental adjusted EBITDA.

The Commerce API for enterprise partner integration supports the Enterprise Payments and BaaS segment, which focuses on embedded finance. The platform's scale, processing an annual transaction volume of $144 billion in the last twelve months ending Q3 2025, demonstrates the capacity available for enterprise-level integration and monetization of payments.

Key channel-related metrics as of late 2025:

Metric	Value	Reporting Period/Context
Total Customer Accounts	Over 1.7 million	End of Q3 2025
LTM Annual Transaction Volume	$144 billion	LTM period ending Q3 2025
Boom Commerce Incremental 2025 Revenue	Approx. $5 million	Full Year 2025 Projection
DMS Incremental Q4 2025 Revenue	Approx. $3 million	Q4 2025 Projection
Total Financing Facility Secured	$50 million	August 2025
YTD Revenue	$705.9 million	Through Q3 2025

Access points for Priority Technology Holdings, Inc. solutions include:

• Direct sales force, enhanced by Boom Commerce.
• ISO and ISV reseller channels.
• Vertically focused ISV channels, like DMS for auto/truck.
• The Commerce API for embedded finance partners.

The company's overall 2025 full-year revenue guidance, revised in November 2025, is set between $950 million and $965 million, representing 8% to 10% growth over fiscal 2024 results.

Priority Technology Holdings, Inc. (PRTH) - Canvas Business Model: Customer Segments

You're looking at the customer base of Priority Technology Holdings, Inc. as of late 2025, which management has recently reorganized into three primary reporting segments: Merchant Solutions, Payables, and Treasury Solutions. This structure reflects the company's move toward a unified commerce platform approach.

As of the third quarter of 2025, Priority Technology Holdings, Inc. reported serving over 1.7 million total customer accounts on its commerce platform. This represented a significant sequential increase from the 1.4 million accounts reported at the end of the prior quarter.

Here is a breakdown of the customer segment revenue contribution for the third quarter of 2025:

Customer Segment (2025 Reporting Name)	Primary Function	Q3 2025 Revenue	YoY Growth Rate (Q3 2025)
Merchant Solutions	Traditional card acquiring for SMBs	$161.9 million	Expected mid-single-digit organic growth in Q4 2025
Payables	B2B accounts payable automation	$25.2 million	14%
Treasury Solutions	Virtual banking and lending	$55.7 million	18%

The growth profile across these segments shows a clear trend; the Payables and Treasury Solutions segments are delivering strong double-digit revenue expansion, which helps offset the slower growth in the core Merchant Solutions area. For instance, Treasury Solutions posted a 93.6% adjusted gross profit margin in the quarter.

Priority Technology Holdings, Inc. actively targets and acquires specialized customer bases within specific verticals to enhance its platform capabilities. This focus on niche markets is a key part of their customer acquisition strategy.

• Acquired assets of Boom Commerce in August 2025, which has a proven ability to attract enterprise customers and sell value-added services.
• Acquired assets of Dealer Merchant Services in October 2025, specifically targeting the automotive dealership arena.
• The older SMB segment historically distributed solutions through ISO, direct sales, and vertically focused ISV channels.

The company is also focused on growing its partner ecosystem, launching a dedicated residual financing facility to fuel growth in ISO and ISV partnerships, which directly impacts the onboarding and servicing of Merchant Solutions customers.

Finance: draft 13-week cash view by Friday.

Priority Technology Holdings, Inc. (PRTH) - Canvas Business Model: Cost Structure

You're looking at the core expenses Priority Technology Holdings, Inc. (PRTH) faces to keep its Connected Commerce platform running and growing as of late 2025. Honestly, in a model like this, where you facilitate payments and treasury, the money flowing out is just as important as the money flowing in.

High cost of sales related to third-party residuals and processing fees is a major factor. This is where the money goes to the partners, like the ISOs and ISVs, who bring in the business. The company is actively trying to reduce this drag. For instance, the August 2025 acquisition of Boom Commerce was specifically highlighted because it is expected to result in an adjusted EBITDA benefit of almost $6 million in 2025 due to the reduction in cost of sales from lower third-party residuals. This shows the direct, material impact of those residual payments on profitability.

Then there's the cost of capital. You noted the significant debt load, and the numbers back that up. Priority Technology Holdings closed on a new $1.1 billion broadly syndicated credit facility in July 2025. Servicing that debt results in a substantial interest expense. For the three months ended September 30, 2025, the reported Interest expense was $22,463 thousand. Year-to-date through September 30, 2025, that figure reached $68,693 thousand. That's a big, fixed outflow you have to cover before anything else.

We can lay out some of the key cost-related metrics we have from the third quarter of 2025 right here:

Financial Metric (Q3 2025)	Amount (in thousands)	Source Context
Revenue	$241,400	Total Revenue for the quarter
Gross Profit (GAAP)	$89,773	Reported GAAP Gross Profit
Adjusted Gross Profit	$94,800	Non-GAAP measure
Adjusted Gross Profit Margin	39.2%	Non-GAAP margin
Interest Expense	$22,463	For the three months ended September 30, 2025
Adjusted EBITDA	$57,800	Non-GAAP measure for the quarter

Technology development and platform maintenance costs are baked into the operating expenses, reflecting the need to keep the Priority Commerce Engine current. While we don't have a clean, isolated dollar figure for just 'technology development' for Q3 2025, we see the pressure points in the operating expenses. For example, in Q1 2025, Selling, General, and Administrative (SG&A) expenses included increases driven by software (including public cloud migration). Furthermore, management has indicated that future capital expenditure (capex) is expected to remain low, projected at less than half a percent of revenue. That suggests a focus on operationalizing existing tech rather than massive, upfront build-outs, though maintenance is constant.

Finally, Sales and marketing costs to support the reseller network are essential for growth, especially given the focus on Payables and Treasury Solutions, which saw strong growth at 14% and 18% revenue growth, respectively, in Q3 2025. Looking at the Q1 2025 breakdown, the SG&A line item of $15.1 million specifically included an increase due to marketing spend. This spend directly fuels the channel partnerships that drive volume through the platform.

Priority Technology Holdings, Inc. (PRTH) - Canvas Business Model: Revenue Streams

You're looking at how Priority Technology Holdings, Inc. (PRTH) brings in the money, and it's all about the flow of transactions and high-margin services. For the full year 2025, the company has set its adjusted revenue guidance to be between $950 million and $965 million. This revenue base is built from a diversified set of offerings, moving beyond just basic payment processing.

To give you a clearer picture of the latest mix, here's how the segments stacked up in the third quarter of 2025. Honestly, the shift toward higher-margin areas is defintely visible in these numbers.

Revenue Stream Segment	Q3 2025 Revenue	Year-over-Year Growth (Q3)	Key Margin Data
Merchant Solutions	$161.9 million	Mid-single-digit organic growth anticipated	Adjusted Gross Profit: $35.5 million
Payables Solutions	$25.2 million	14% growth	Not explicitly stated
Treasury Solutions	$55.7 million	18% growth	Adjusted Gross Profit Margin: 93.6%

The Merchant Solutions segment drives a significant portion of the top line through transaction fees. You see this volume reflected in the annual transaction volume in the last twelve months period ending Q3 2025, which increased to nearly $144 billion. That massive volume translates directly into the fees Priority Technology Holdings, Inc. collects from its merchant base.

The fees generated from the high-margin Payables and Treasury Solutions segments are crucial for margin expansion. For instance, the Treasury Solutions segment boasts an adjusted gross profit margin of 93.6% as of Q3 2025. This is complemented by the Payables segment, which saw its revenue grow by 14% year-over-year in the third quarter, alongside Treasury Solutions' 18% revenue growth.

A key indicator of the platform's stickiness and quality of earnings is the recurring revenue component. As of the second quarter of 2025, the adjusted gross profit derived from recurring revenue represented 62% of the total adjusted gross profit.

You should track these core revenue drivers:

• Transaction fees from Merchant Solutions processing volume.
• High-margin fees from Payables Solutions segment revenue.
• Exceptional margins from Treasury Solutions segment fees.
• The growing proportion of recurring revenue in gross profit.

Finance: draft 13-week cash view by Friday.