Frisco's Informativ Acquires Carmatic and Its Payments-as-a-Service Platform

Frisco-based fintech Informativ has acquired Carmatic, an intelligent payment-as-a-service platform built to deliver real-time, transaction-ready loan and lease payments.

Backed by Capstreet, a Houston-based lower middle market private equity firm, Informativ is a provider of fraud prevention, compliance, and credit technology for the automotive and consumer finance industries.

Terms of the deal were not disclosed.

“Carmatic has built a modern, highly scalable platform that enables dealers to deliver compliant, transaction-grade payments instantly,” Informativ CEO David Carner said in a statement. “Bringing Carmatic into the Informativ family enables us to unify their retail innovation with our proactive compliance and credit technologies. This empowers our dealers and partners with a single, integrated solution to sell vehicles faster, safer, and smarter. The combination accelerates our shared vision to simplify and secure every step of the car buying journey.”

According to Informativ, Carmatic’s proprietary payment engine powers marketing platforms, desking tools, dealer websites, and digital retail providers to deliver accurate, fundable offers at the VIN level. It said that by synchronizing inventory with lender programs, bank rates, and regional incentives in real time, Carmatic enables personalized deal structures that are designed to drive higher profitability for dealers and transparent financing options for consumers.

Informativ said that combining its strength in compliance and credit with Carmatic’s payments and decisioning technology, the company now offers dealers and partners a unified solution designed to accelerate transactions, reduce risk, and boost gross profit. For its channel partners, Informativ enables CRMs, marketplaces, websites, and marketing/ad tech platforms to embed real-time payments directly into their solutions.

“We’re thrilled to join Informativ and scale our vision of powering payments across automotive commerce,” Carmatic CEO David Domm said in a statement. “With Informativ’s resources and market reach, we plan to accelerate adoption of our direct-to-dealer payments platform, providing both dealers and their software partners the ability to present transparent, compliant, and lender-ready payment options designed to streamline the path to purchase.”