Revolv3: Frank Arellano's Fintech Revolution

June 12, 2025
Jason Berwanger
Finance

Learn how Frank Arellano's leadership is shaping Revolv3 into a fintech innovator, tackling subscription billing challenges with adaptive technology.

Frank Arellano: Revolv3 & The Future of Fintech

Running a subscription business? Then you know recurring billing can be a beast. Revolv3, led by CEO Frank Arellano, is tackling those fintech billing challenges head-on. This post explores how Revolv3 streamlines subscription management and optimizes payment processing. We'll dive into their innovative platform and see how it’s maximizing payment approvals and boosting revenue for businesses of all sizes. Let's see how Frank Arellano and Revolv3 are changing the future of subscription billing.

Key Takeaways

Who is Frank Arellano?

Frank Arellano, the CEO of Revolv3, has a compelling story. He’s a leader with a unique blend of startup grit and extensive corporate experience. This background has shaped Revolv3 into the innovative fintech company it is today.

Frank Arellano's Key Achievements in Payments

Through Revolv3, Frank has addressed a major pain point for businesses with subscription models: maximizing revenue by optimizing payment processing. Revolv3’s adaptive technology and dynamic routing integrate directly with leading payment processors like Adeyn and Worldpay. This allows businesses to significantly reduce false declines, leading to higher revenue and improved customer retention. The platform tackles the persistent challenge of involuntary churn, ensuring legitimate transactions aren't mistakenly rejected. This focus on optimizing payment approvals has positioned Revolv3 as a key player in the subscription billing space. For businesses seeking to streamline their revenue processes, explore HubiFi's automated revenue recognition solutions.

From Military to Fintech: Frank Arellano's Journey

Frank’s journey to fintech is marked by diverse experiences. Before launching Revolv3 in 2020, he held key leadership positions at established companies like Ingram Micro and Experian, spending over 20 years honing his business acumen. He served as Vice President of Business Operations at Experian Consumer Services, where he gained invaluable insights into the complexities of consumer finance. This background, combined with his early startup experience, provided a solid foundation for building and scaling Revolv3. His career trajectory demonstrates a commitment to innovation and a deep understanding of the challenges and opportunities within the financial services sector. For more insights on financial operations and best practices, explore the HubiFi blog. You can also learn more about HubiFi and its services on their about us page.

The Revolv3 Story: How it All Began

Revolv3's Mission and Innovative Approach

Founded in 2020, Revolv3 entered the fintech arena with a clear purpose: solve the frustrating problem of false declines in subscription billing. The company built a full-stack SaaS payment orchestration and optimization platform powered by adaptive technology. This innovative approach aims to deliver the industry’s highest credit card acceptance rates, addressing a significant challenge for businesses that depend on recurring revenue. Through dynamic routing and direct integrations with major payment processors like Adeyn and Worldpay, Revolv3 helps businesses optimize subscription payments and minimize false declines. This results in increased revenue and improved customer retention. Revolv3's focus on adaptive technology allows the company to stay agile and responsive to the constantly shifting payments landscape.

Revolv3 and Nuvei: A Powerful Partnership

Revolv3 teamed up with Nuvei, a major player in payment processing, to make its payment solutions even better. This partnership has been a game-changer, leading to a 14% jump in successful payment approvals for businesses using the Revolv3 platform. This not only boosts monthly recurring revenue but also tackles churn—a major headache for subscription-based businesses.

As Nuvei’s case study highlights, this collaboration resulted in a 14% increase in successful payments for Revolv3, proving how Nuvei's advanced payment solutions directly impact a business's bottom line by minimizing payment failures. By incorporating Nuvei's technology, Revolv3 offers clients a more robust and efficient payment experience, ultimately leading to happier, more loyal customers.

Plus, Revolv3’s adaptive technology and dynamic routing work seamlessly with Nuvei’s solutions, making payment processing much less complicated for businesses. This partnership is a prime example of how smart fintech collaborations can drive growth and success in the subscription economy. For businesses seeking to improve their financial operations, explore HubiFi's blog for more insights. You can also learn more about automating revenue processes with HubiFi's automated revenue recognition solutions.

Revolv3's Core Payment Solutions

Revolv3 provides efficient recurring billing software designed to simplify subscription-based billing processes for businesses. Whether you’re managing memberships, subscription services, or other recurring payments, Revolv3 automates invoicing, payment collection, and subscription management. The platform processes each payment transaction in real time using an AI engine to determine the best route for each payment authorization request, maximizing the chances of approval. By using multiple processor integrations, Revolv3 offers a comprehensive solution for merchants seeking to optimize their payment systems. This real-time processing combined with intelligent routing sets Revolv3 apart in a competitive market.

Flexible Billing Options with Revolv3

Revolv3 understands that subscription businesses thrive on flexibility. The platform supports various subscription billing models, including flexible recurrence (weekly, monthly, annual, or custom), proration for mid-cycle changes, free trials to entice new customers, and the ability to bundle multiple services onto a single invoice. This adaptability allows businesses to tailor their billing to perfectly match customer needs and preferences, creating a smoother, more user-friendly experience. This level of customization is helpful for businesses looking to experiment with different pricing strategies or offer tiered service packages.

Payment Facilitation and Gateway Replacement

Revolv3 offers a comprehensive solution by covering both payment facilitation (PayFac) and gateway replacement. This streamlines operations by providing a single platform to manage all payment-related tasks. As a PayFac, Revolv3 handles the complexities of merchant onboarding and underwriting, simplifying the process for businesses. Its gateway replacement capabilities offer a more direct and efficient payment processing route, potentially reducing transaction costs and improving approval rates. This combined approach simplifies financial operations and allows businesses to focus on growth. For businesses seeking to automate other financial processes, consider HubiFi's automated revenue recognition solutions.

Customizable APIs and Integrations

Integrating new software can be a headache. Revolv3 makes it easy with customizable APIs and pre-built integrations, allowing businesses to seamlessly connect the platform with their existing systems, including popular accounting software, ERPs, and CRMs. This minimizes disruption to current workflows and maximizes efficiency. Revolv3 also offers one-on-one consulting to ensure a smooth integration process. This personalized support is invaluable for businesses navigating the technical aspects of implementation. For a deeper look at integration options, check out HubiFi's integrations to see how streamlined data flow can transform your business operations.

Intelligent Payment Routing

One of Revolv3's standout features is its intelligent, dynamic, and least-cost routing through multiple payment processors, including industry leaders like Adyen and Worldpay. This sophisticated system analyzes each transaction in real time and selects the optimal processing path based on factors like cost, approval rates, and currency. This maximizes payment approvals and minimizes processing fees, directly impacting a business's bottom line. By intelligently distributing transactions across multiple processors, Revolv3 ensures redundancy and minimizes the risk of disruptions due to outages or other issues with a single provider. This dynamic payment routing optimizes revenue generation for its clients. If you're interested in learning more about optimizing financial processes, schedule a demo with HubiFi to discuss how data-driven insights can improve your business performance.

How Frank Arellano and Revolv3 Transformed Subscription Billing

Frank Arellano, CEO of Revolv3, has a remarkable background blending startup and corporate experience. This diverse background makes him uniquely suited to understand the complexities of subscription billing and the challenges businesses face in maximizing revenue and customer retention. His leadership has been instrumental in shaping Revolv3's innovative approach to payment processing.

Optimizing Payments and Reducing False Declines

False declines are a major pain point for businesses that rely on recurring revenue. They happen when legitimate transactions are mistakenly rejected, leading to lost revenue and frustrated customers. Revolv3 tackles this issue with its adaptive technology and dynamic routing capabilities. By integrating directly with leading payment processing companies like Adeyn and Worldpay, Revolv3 creates new opportunities for businesses to optimize their subscription payments and significantly reduce false declines. This, in turn, leads to higher revenue and improved customer retention, strengthening the overall financial health of the business. The platform's flexibility, coupled with customizable billing cycles and automated reminders, ensures a smooth and efficient billing process.

Understanding False Declines and Their Impact

False declines are a significant challenge for businesses relying on recurring revenue. They occur when legitimate transactions are mistakenly rejected by payment processors. This isn't just a technical glitch; it directly impacts your bottom line and customer relationships. A loyal subscriber tries to renew their service, but their payment is declined. They're left frustrated, potentially leading to churn, while you lose recurring revenue and incur additional costs trying to recover the customer.

The impact goes beyond the immediate loss of a single transaction. Studies show that a significant percentage of customers who experience a false decline don't attempt to make the purchase again. This can severely damage customer lifetime value and create a negative brand perception. Recovering these lost customers often requires costly interventions like manual outreach or offering discounts, further eating into your profits. For businesses operating on tight margins, the cumulative effect can be devastating.

Revolv3 understands this challenge and has developed a solution to mitigate the impact. Their adaptive technology and dynamic routing capabilities work behind the scenes to optimize payment approvals. By integrating with leading payment processors like Adeyn and Worldpay, Revolv3 analyzes transactions in real-time and intelligently routes them to the processor most likely to approve them. This minimizes the risk, ensuring that legitimate customers can complete their purchases without interruption. This protects your revenue stream and fosters positive customer relationships by providing a seamless and reliable payment experience.

AI-Powered Payment Routing and Dynamic Processing with Revolv3

Revolv3's innovative approach to payment processing sets it apart in the fintech world. The platform uses an AI-powered engine to process each payment transaction in real time. This intelligent system determines the best route for each payment authorization request, maximizing the likelihood of approval. By leveraging multiple processor integrations, Revolv3 dynamically selects the best pathway for each transaction, leading to a significant decrease in payment collection costs and a potential increase in approvals by up to 14%, according to Revolv3. This dynamic processing not only streamlines transactions but also provides businesses with valuable real-time data and insights into their payment flows. This data-driven approach empowers businesses to make informed decisions and further refine their payment strategies.

Leading with Vision: Frank Arellano's Leadership Style

Frank Arellano's leadership style blends military precision with entrepreneurial adaptability. His background, which includes over 25 years in business, has shaped his approach to navigating the complexities of the fintech world. This section explores how Arellano applies strategic decision-making and team-building to drive Revolv3's success.

Strategic Decision-Making and Discipline

Arellano's experience speaks volumes about his strategic thinking. He's overseen a multi-billion dollar acquisition integration program, established a global technology management office, and consistently refined internal processes for optimal performance. This disciplined approach is evident in Revolv3's focus on solving a critical pain point for businesses: optimizing subscription payments. His strategic decisions are informed by a deep understanding of the industry and a commitment to delivering tangible results. This focus on execution, much like HubiFi's approach to data solutions, is a hallmark of effective leadership, ensuring that strategies translate into real-world success. For more insights on effective strategies, explore HubiFi's blog.

Building Strong Teams and Adapting to Change

The fintech landscape is constantly evolving, requiring leaders to be agile and responsive. Arellano recognizes this and has built Revolv3 with adaptability in mind. By fostering a dynamic team, he's positioned Revolv3 as a leader in the PayTech industry. His prior roles, including leadership positions at Experian and Ingram Micro, demonstrate his ability to build and manage high-performing teams. This experience translates directly to Revolv3's success in providing businesses with a reliable and scalable platform. The company's growth is a testament to Arellano's ability to adapt to change and build teams capable of executing on a shared vision. This adaptability is crucial in the fast-paced world of fintech, where innovation and responsiveness are key. Learn more about HubiFi's adaptable solutions.

Redefining Payment Approvals with Revolv3

Revolv3, under Frank Arellano's leadership, tackles persistent challenges in online payments, especially around approvals and subscriptions. Their innovative approach streamlines the process, making it smoother for businesses and customers.

Improving Credit Card Acceptance Rates

One of the biggest frustrations for businesses and customers is the dreaded "false decline"—when a legitimate transaction is rejected. Revolv3 uses adaptive technology to minimize these occurrences and achieve industry-leading credit card acceptance rates. Their system analyzes each payment transaction in real time, using an AI engine to determine the best path for authorization. This dynamic approach increases the likelihood of approval, leading to happier customers and increased sales. It's a game-changer for businesses tired of losing revenue to unnecessary declines.

How Revolv3 Increases Payment Approvals

Revolv3 tackles a significant challenge in the subscription billing landscape: false declines. These occur when legitimate transactions are mistakenly rejected, leading to lost revenue and frustrated customers. By leveraging adaptive technology and dynamic routing capabilities, Revolv3 effectively minimizes these occurrences. The platform integrates directly with leading payment processors like Adeyn and Worldpay, creating new opportunities for businesses to optimize their subscription payments and significantly reduce false declines. This ultimately leads to higher revenue and improved customer retention.

As noted, “Revolv3’s innovative approach to payment processing sets it apart in the fintech world. The platform uses an AI-powered engine to process each payment transaction in real time.” This intelligent system determines the best route for each payment authorization request, maximizing the likelihood of approval. This dynamic processing streamlines transactions and provides businesses with valuable real-time data and insights into their payment flows. This empowers them to make informed decisions and refine their payment strategies. For businesses looking to gain similar data visibility and control over their revenue streams, consider exploring HubiFi's pricing plans for automated revenue recognition solutions.

Revolv3 claims their system can increase payment approvals by up to 14% compared to traditional methods, making it a significant advantage for businesses that rely on recurring revenue. This focus on optimizing payment approvals has positioned Revolv3 as a key player in the subscription billing space, ensuring that legitimate transactions are processed smoothly and efficiently. If you're interested in learning more about optimizing financial processes, the HubiFi blog offers valuable insights into data integration and automation for financial professionals.

Flexible Subscription Management with Revolv3

Beyond one-time purchases, Revolv3 offers a robust subscription billing management platform. This system is designed with flexibility in mind. Businesses can customize billing cycles, automate reminders, and process payments in real time. Whether you offer weekly, monthly, or annual subscriptions, Revolv3 can handle it. The platform also supports various charge models and proration calculations, giving businesses the tools to manage complex subscription offerings. This control and adaptability are crucial for businesses scaling their subscription services and catering to diverse customer needs.

Fintech Billing Challenges and Innovations

Identifying Inefficiencies in Payments

The payments industry, especially in the realm of subscription billing, has long struggled with inefficiencies. False declines, where legitimate transactions are mistakenly rejected, are a recurring problem, leading to lost revenue and frustrated customers. Frank Arellano, Revolv3’s CEO, highlights how adaptive technology and dynamic routing can optimize subscription payments and significantly reduce these false declines. Founded in 2020, Revolv3 confronts these challenges head-on with its full-stack SaaS payment orchestration platform, improving credit card acceptance rates and solving this persistent issue.

Revolv3's Solutions for Fintech Billing Challenges

Revolv3's secret weapon? One key feature is its upfront dynamic payment processing, which not only lowers payment collection costs but can also increase approvals by up to 14%. This is a significant advantage for businesses looking to improve their bottom line. Revolv3 achieves this through integrating multiple processors, allowing its platform to instantly become the merchant's solution. This setup minimizes false declines and helps maximize approved transactions. For businesses with subscriptions, Revolv3 streamlines invoicing, payment collection, and subscription management, simplifying recurring billing and memberships.

Cost Reduction with Revolv3's Pricing Model

Revolv3’s pricing model offers a refreshing change for businesses, especially those dealing with the complexities of subscriptions. Unlike some competitors who charge per attempt, Revolv3 uses a flat fee per approval. This means you only pay when a payment successfully processes. No hidden fees or confusing percentage-based charges—just a simple, predictable cost. This transparent approach can be a significant advantage for businesses seeking to simplify their financial operations. For similar clarity and predictability in revenue recognition, explore HubiFi's pricing and its automated solutions.

This flat-fee structure, combined with Revolv3's commitment to reducing false declines, contributes significantly to overall cost savings. Experts point out that a substantial portion of payment declines are false, resulting in significant lost revenue for businesses. By minimizing these false declines through dynamic processing and AI-powered routing, Revolv3 helps businesses recover this lost revenue. Furthermore, Revolv3 claims to increase payment approvals by up to 14% compared to competitors, boosting revenue without increasing processing expenses. This results in a more efficient and profitable payment system for businesses in the subscription economy.

The Future of Payments

Industry Trends and Forecasts in Payments

The subscription model is booming. Businesses everywhere offer recurring services, from streaming entertainment and software access to meal kits and curated boxes. This shift toward subscription-based commerce demands robust and efficient billing solutions. Managing recurring payments, automating invoicing, and handling subscription changes are crucial for businesses to thrive. Software like Revolv3, reviewed by SoftwareWorld, aims to streamline these complex processes, making subscription management more efficient. Beyond subscriptions, businesses across various industries constantly seek ways to optimize payments and increase first-pass approvals. This need drives innovation in payment technology, pushing companies to develop solutions that enhance efficiency and reduce friction, as highlighted in Revolv3's company profile on OurCrowd.

Revolv3's Role in Shaping Payment Technology

Founded in 2020, Revolv3 positions itself at the forefront of this evolution. As a full-stack SaaS payment optimization platform, Revolv3 focuses on maximizing credit card acceptance rates through its adaptive technology, according to their About Us page. Their approach involves integrating multiple payment processors, creating a dynamic system that aims to lower costs and significantly improve approval rates. Revolv3 claims its platform can boost approvals by up to 14%, as explained on their payment optimization page. This dynamic approach has earned Revolv3 recognition as a rising leader in the PayTech industry, offering businesses a scalable and reliable platform, as noted in Frank Arellano's founder story. By addressing the complexities of modern payment processing, Revolv3 aims to empower businesses to handle the increasing demands of the subscription economy and the broader digital commerce world.

Lessons Learned: Frank Arellano's Fintech Journey

Frank Arellano’s journey from military service to fintech CEO offers valuable lessons for aspiring entrepreneurs. His experience building Revolv3, a SaaS payment orchestration platform, reveals insights into navigating the complexities of the payments industry.

Advice for Aspiring Fintech Entrepreneurs

Arellano’s story emphasizes the importance of identifying a real-world problem and building a solution. Frustrated with existing subscription management payment systems and their high false decline rates, he decided to create his own. This entrepreneurial drive, combined with his experience in both startups and corporate environments, positioned him to disrupt the payments landscape. His advice? Find a problem you’re passionate about solving and use your unique skills and experience to build a solution. Don't be afraid to challenge the status quo.

Tips for Success in Fintech

Revolv3’s success stems from its innovative approach to payment optimization. By developing adaptive technology and dynamic routing capabilities, Revolv3 tackles the persistent issue of false declines, directly impacting a business's bottom line. This focus on solving a critical pain point for businesses, combined with direct integrations with leading payment processors, has allowed Revolv3 to unlock new opportunities for growth. For those looking to succeed in fintech, Arellano’s journey highlights the importance of building a dynamic and scalable solution that addresses a real market need. Focus on efficiency, reliability, and providing tangible value to your customers. Consider exploring resources like HubiFi's blog for further insights into optimizing financial operations and leveraging data for strategic decision-making.

Related Articles

Frequently Asked Questions

What is Revolv3 and how does it work? Revolv3 is a SaaS payment orchestration platform designed to optimize subscription billing and minimize payment declines. It uses adaptive technology and dynamic routing to select the best payment gateway for each transaction, increasing authorization rates and reducing revenue loss due to false declines. The platform integrates with leading payment processors like Adeyn and Worldpay, providing a flexible and efficient solution for businesses with recurring revenue models.

How does Frank Arellano's background contribute to Revolv3's success? Frank Arellano's unique blend of startup experience and corporate leadership roles, including time at Experian and Ingram Micro, has equipped him with the skills and insights needed to navigate the complexities of the fintech industry. His understanding of business operations, consumer finance, and building high-performing teams has been instrumental in shaping Revolv3's innovative approach to payment processing and driving the company's growth.

What are the key benefits of using Revolv3 for subscription businesses? Revolv3 offers several key advantages for businesses relying on subscription revenue. By reducing false declines, it directly increases revenue and improves customer retention. The platform's dynamic routing capabilities optimize payment processing, leading to lower transaction costs. Additionally, Revolv3 streamlines subscription management with features like automated invoicing, flexible billing cycles, and real-time payment processing, simplifying administrative tasks and providing valuable data insights.

How does Revolv3's technology address the problem of false declines? Revolv3's adaptive technology analyzes each transaction in real time and uses an AI-powered engine to determine the optimal routing path for authorization. This dynamic approach, combined with integrations with multiple payment processors, increases the likelihood of approval even for transactions that might be flagged as high-risk by traditional systems. This results in fewer legitimate transactions being declined, saving businesses revenue and reducing customer frustration.

What makes Revolv3 different from other payment processing solutions? Revolv3 distinguishes itself through its focus on adaptive technology and dynamic routing. Instead of relying on a single payment processor, Revolv3 intelligently routes each transaction through the gateway most likely to approve it. This approach minimizes false declines and optimizes payment processing costs. Furthermore, Revolv3's platform is specifically designed for subscription businesses, offering features tailored to manage recurring billing efficiently and provide valuable data insights into payment performance.

Jason Berwanger

Former Root, EVP of Finance/Data at multiple FinTech startups

Jason Kyle Berwanger: An accomplished two-time entrepreneur, polyglot in finance, data & tech with 15 years of expertise. Builder, practitioner, leader—pioneering multiple ERP implementations and data solutions. Catalyst behind a 6% gross margin improvement with a sub-90-day IPO at Root insurance, powered by his vision & platform. Having held virtually every role from accountant to finance systems to finance exec, he brings a rare and noteworthy perspective in rethinking the finance tooling landscape.