About paycosmos
Established in 2018, paycosmos operates as ISO/MSP (Avidia Bank and Commercial Bank of California) as a DBA of transmodus, a long-established payments technology company recognized for innovation, scalable tools that simplify and unify the way businesses move money.
As part of transmodus, paycosmos benefits from more than two decades of innovation in payments automation, risk management, and API-driven connectivity.
About Transmodus
Founded in 2002 on the belief that payments infrastructure should be highly secure, scalable, transparent, and engineered for efficiency, transmodus has developed technology that consistently pushes the industry forward. From early ACH automation and remote deposit capture, to fully unified credit card and bank-payment processing, transmodus has focused on creating systems that eliminate friction for merchants, partners, and developers alike.
Over the years, Transmodus, through their paycosmos and linked2pay DBAs has earned a reputation for:
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Building first-to-market payment automation tools that streamline underwriting, onboarding, and risk workflows.
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Delivering resilient, high-performance processing systems trusted by ISOs, agents, SaaS platforms, and enterprise merchants.
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Developing powerful APIs that let partners monetize payments and embed financial capabilities without heavy infrastructure.
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Advancing fraud mitigation and compliance technologies that protect businesses while supporting scalable growth.
Today paycosmos is extending this legacy—bringing transmodus’ proven technology as a fully unified, modern platform designed for partners who want reliability, configurability, and revenue-driving innovation at scale.