We Take Care of the Complex -- So You Can Focus on Your Business
Xformative provides dynamic, flexible technology solutions built by payments experts that understand the importance of precision, complex business and routing logic, and consistent execution every time. After all, your business is counting on it.
Xformative isn’t just about technology. It’s about a commitment to driving innovation and bringing your ideas to life.
By the Numbers
Why we Exist
Xformative was founded in 2016 to solve a critical gap in the card and payments ecosystem. Legacy providers could handle complexity—but only at the cost of long lead times and high volume thresholds. Meanwhile, cloud-native platforms promised speed to market, yet fell short when it came to supporting intricate payment flows, routing logic, and funding arrangements.
Xformative saw a better way.
Reimagine payments and money movement while offering innovative solutions.
Provide a leading platform while we take care of our customers and our employees and deliver an outstanding experience to them every day.
1. Innovative Agile Mindset
2. Mutual Respect & Recognition
3. We CARE
- Collaborative. We collaborate with all stakeholders
- Accountable. We are accountable for our work.
- Responsible. We take responsibility.
- Empowered. We are an empowered team.
Meet Our Experts
Tom Torre
Chief Executive Officer
Cyndi Parker
Head of Operations
Jeff Zisser
Head of Technology