Skip to content
Cliq

Explore

HomeDevelopersResourcesAbout UsCareersTrust Center

Who we serve

MerchantsISVs & PlatformsAgents & ISOs

Solutions

Payment ProcessingACH ProcessingTreasury & ReconciliationChargeback ManagementPrepaid Card ProgramsLendingCustom Payment Solutions

Products

Pay by CliqPayment GatewaysHosted Payment PagesPOS HardwareInvoicingAccounting IntegrationsTips by Cliq

Case studies

All Case Studies

Newsroom

All News

Contact & policies

Contact UsMerchant ApplicationPrivacy PolicyAccessibilityReport an Accessibility IssueCard Holder Policy (PDF)

About Cliq

Your Champions
of Commerce

Go beyond the transaction with tools built for scale with Cliq. We develop and manage the financial technologies that power modern commerce.

Our purpose

Improving How Businesses Pay and Get Paid

From customizable payment processing and embedded payments to payroll cards*, expense management*, lending, and more, we unlock access to the infrastructure and expertise needed to move money more flexibly and securely. Our platform enables streamlined connectivity across the commerce ecosystem, helping our partners build, scale, and innovate with efficiency.

What we stand on

Our Brand Pillars

Trust Based Relationships

Payments touch every part of how a business operates, earns, and grows. That’s why our first priority is taking care of you and your clients. We invest in long-term partnerships, live human support, and the kind of transparency that means you know where your money is and where it’s going.

Expert Problem Solving

We work side by side with our partners to design solutions for complex use cases that cover custom expense programs* and multi-source rent collection to embedded lending** and compliance-supporting workflows. It shouldn’t be one-size-fits-all — we develop custom solutions around your specific needs and challenges.

Visionary Innovation

We are innovators in modern commerce with integrated APIs, intelligent fraud reduction, streamlined onboarding, and user-friendly tools that let our partners brand the experience as their own. Our mission is to improve every part of the payments experience.

Who you work with

Leadership Team

Andrew Phillips

Andrew Phillips

CEO

With 40 years of building, shaping and helming the world of Financial Technology, Andrew is a veteran in innovating smarter ways to transact. A start in check recovery in 1982 led to founding a full service processing ISO in Integrated Transaction Services, and eventually allowed him to develop some of the industry’s top processing technologies with creating Payment Resources International.

Today as the founder of Cliq, Phillips endlessly pursues pioneering technologies to move businesses forward. He is also committed to local community initiatives by having served in leadership positions with the Make-A-Wish Foundation of Orange County, the Orange County Alzheimer’s Association, and the Orangewood Foundation.

Joanna M. Oliva

Joanna M. Oliva

President

John Blaugrund

John Blaugrund

Chief Technology & Security Officer

Martin Phillips

Martin Phillips

Director of Product

Corey Johnson

Corey Johnson

Head of Compliance

Kenny Brook

Kenny Brook

Senior VP of Sales & Marketing

Richard Donohue

Richard Donohue

Senior VP of Operations

Jessica Molina

Jessica Molina

Human Resources Manager

How we work

Company Values

InnovationIt’s in our nature.
IntegrityWe do the right thing.
DedicationWe do whatever it takes.
SimplificationWe eliminate barriers.
LoyaltyWe are aligned and committed.
AccountabilityWe take responsibility.
DependabilityWe can be relied on.
TeamBuilt on collaboration.
Everyone WinsOnly our best for our colleagues, customers & partners.

Cliq in the community

Amplifying the impact of those who give back

When it comes to our community, we mean business.

At Cliq, our commitment to moving the world forward extends beyond commerce. We channel our passion for problem-solving and innovation into supporting the causes that strengthen our world — because we believe that when businesses thrive, communities flourish alongside them.

01

Supporting Young Lives through Crisis

When Southern California wildfires devastated families, we sponsored children who lost their homes to attend quality summer camps, providing them with healing experiences and cherished memories during their recovery.

02

Racing for Orangewood Foundation’s Future

Our Cliq team laced up for the Orangewood Challenge, raising critical funds and volunteering to serve meals to children in need — demonstrating that teamwork extends far beyond the office.

03

Empowering Nonprofits with Technology

With discounted payment processing offered to more than 250 charitable organizations, we’re bringing enterprise-level payment solutions and savings to nonprofits — ensuring more resources reach the people who need them most.

Charities Cliq supports

Orangewood FoundationLove Tribe ProjectAlzheimer’s Orange CountyInternational Surf MuseumCaldwell Foundation

Since 2007

History of Innovation

2007

Cliq is Founded

Cliq is founded by Andrew Phillips as a payment processing company, and is sponsored as a Prepaid Program Manager.

2010

ACH System

Cliq launches its ACH system for a more comprehensive offer to its clients.

2012

Tips by Cliq

Cliq creates a custom technology solution for the hospitality industry, making it easier to disburse tips to employees. Cliq then expands these solutions to additional industries and functions with Load by Cliq and Cards by Cliq.

2013

International Expansion

Cliq launches prepaid Visa Program in Japan.

2014

Pay by Cliq

Cliq launches its Pay by Cliq portal, giving agents and merchants better reporting and access to data.

2020

COVID Support

Cliq advocated for clients in the Camp industry in disputes, refund credits, and risk management to mitigate COVID-19 related challenges, and we supported the distribution of PPP, EIDL, and various state grant programs.

2022

Data Infrastructure Rebuild

Cliq completes a comprehensive rebuild of its infrastructure and data warehouse, upgrading access to enhanced analytics and reporting capabilities.

2024

Visa Acceptance Platform Access

Cliq establishes access to Visa Acceptance Platform solutions to support enhanced payment capabilities.

2025

VPC Implementation

Cliq implements VPC through the Visa Acceptance Platform, designed to support transaction oversight and security capabilities across its payment programs.

2025

Biller Genie Partnership

Cliq partners with Biller Genie to streamline accounts receivable for merchants, enabling acceptance of both credit card and ACH payments alongside automated invoicing and reconciliation tools.

2026

AI Strategy & Implementation

Cliq launches AI and machine learning initiatives spanning sales forecasting, compliance support, and risk monitoring initiatives intended to support enhanced operational visibility and analytics.

1 / 11· Keep scrolling — the timeline rides the page

Stay Up To Date

Be the first to see news and developments from Cliq.

Contact us