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Welcome to
Pathtivity

Whether you’re processing payments across a broad ecosystem of online and retail locations or providing funding for customers, Pathtivity’s powerful suite of payment and processing solutions are expertly designed to help you streamline your operations, reduce costs, and stay ahead in today’s fast-paced marketplace.

Built by leveraging the world’s best technologies, we make certain that our customers have access to the most secure and innovative solutions to ensure seamless, user-friendly experiences for both you and your customers.

Each year, Pathtivity processes more than 19 million transactions and more than $20 Billion in volume – online and across over 1,600 retail locations, enabling us to not only provide exceptional solutions, but also exceptional pricing.

Contact us today to learn more about how we can help your business thrive.
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Annual Volume
$ 0 B+
Annual Transactions
0 M+
Retail Locations
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Our Consultative Approach

While we’re proud of the technology solutions we provide to our customers, our true pride and point of differentiation is the consultative approach we take with our clients. It’s a partnership. Years of experience and expertise enable us to truly understand your business and identify areas where you can improve productivity – and reduce costs. We’ll work closely with you to create a tailored, strategic solution that dials in to the unique needs of your business. Whether it’s reducing transaction fees, optimizing transaction flows, or enhancing data security, we have the tools and the expertise to help you succeed.

CUSTOMER CONSULTATIVE SUCCESS STORY

“Reduced the number of monthly transaction attempts by nearly 300,000 – translating into $30,000 in monthly processing cost reduction, a lower risk profile, and an improved fraud prevention and management landscape.”

[ full story ]

Get a fast, free consultation today and learn how Pathtivity can help you reduce costs and increase efficiency.

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Vision

Our vision is to leverage the best technologies in the world to provide smart, innovative, and secure solutions to our clients to enable them to offer safe and seamless solutions to their customers.

Mission

Our mission is to leverage our collective experience and expertise to provide each customer with strategic payment and processing solutions that uniquely serve the needs of their business such that it helps them reduce operating expenses, increase productivity, and gain a competitive edge in the marketplace.

Values

Our values are the heart of our company and drive our behavior with each other and with you every day:

Accountability   |   Reliability

Transparency   |   Approachability

Our Leadership

Michael Rejbeni,
President

Adam Clark, VP Payment Technologies

Erika Cichanowicz, VP Product & Marketing

© 2024 Pathtivity. All rights reserved.

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CUSTOMER CONSULTATIVE SUCCESS STORY

As we launched debit card processing for one of our largest lending customers, we quickly identified that a substantial number of transactions were being declined. Through our deep payments experience, understanding of transaction flows, and knowledge of industry trends, we hypothesized a reason for the steep decline rate and designed analytics to ultimately prove our theory.

Over several months we closely monitored the decline rate, comparing it to similar portfolios.  We also closely matched the decline reasons and methods of transaction origination being practiced by our client.  We slowly began shifting the origination methods and decisioning in the Loan Management System to account for certain decline conditions and ceased the origination of transactions that where highly likely to decline.

After we had successfully shifted and updated the origination paradigms, 

we helped our client reduce the number of monthly transaction attempts by nearly 300,000. 

This translated into $30,000 in monthly processing cost reduction, a lower risk profile, and an improved fraud prevention and management landscape.

Michael Rejbeni
President​

Michael is a seasoned payments executive with deep experience in compliance, technology & the operations of digital and Fintech companies. Michael holds strong relationships with many issuing banks and processors in the payments sector. He also holds relationships with major networks such as Discover, MasterCard, and Visa. He has a deep understanding of BSA, AML, MSB and all regulatory and compliance requirements. Strategic relationship management and business development are his strong suit.

Adam Clark
VP Payment Technologies​

Adam is a lateral thinker and highly effective problem solver with over 15 years of experience and success in team, market, operational, and technical development in finance and technology. He brings his unique ability to combine a people-first heart with a data-driven, highly analytical, and process-oriented mind to build performance-focused teams, strategies and partnerships. He has worked to open new verticals, develop and bring to market critical systems and tools, and enhance operational efficiencies for numerous major financial and technology organizations.

Erika Cichanowicz
VP Product & Marketing

Erika is a multi-faceted leader with broad experience in the Lending, Marketing, Retail, and Fintech space. She has an extensive background in financial services, print and digital marketing, project management, and product development. Erika understands the holistic view of the business, while still maintaining a keen attention to detail. She has been in the financial services industry for 11 years, and with the company two years, managing many product lines and initiatives that drive financial results.