AppBrilliance Unveils ‘Push-to-Business’ Digital Payments Model; Solidifies Leadership with Strategic Appointment of Steve Mott to Advisory Board

C. Eric Smith
3 min readJun 3, 2021


Payments Startup Continues Rapid Growth with Key Addition to Leadership Team and Reveals Vision, Business Goals with Push-to-Business Payments

AUSTIN, TX / June 3, 2021 / AppBrilliance, an Austin-based payments technology company, today revealed its strategic vision with its new Money API-powered, Push-To-Business (P2B) payments model, which upends the decades-old traditional model and shifts power back to the merchant when it comes to payments fees. In addition, as part of the firm’s increasing momentum in recent months, it appointed Steve Mott as strategic advisor, a highly-regarded payment expert with decades of industry experience as the startup is poised to disrupt the trillion-dollar payments industry.

AppBrilliance’s patented technology and non-custodial direct-payment APIs enable instant and secure account-to-account “push” payments to consumers’ favorite businesses. Push-to-Business (P2B) payments technology leverages the P2P payment rails in place today that are accessible to 100M+ US account holders through their bank. Unlike other bank payment technologies, AppBrilliance never manages or stores user credentials, banking data, or funds. As non-cash and online payments have dramatically increased as a result of COVID-19, the need for cost-efficient payment rails becomes even more pressing. AppBrilliance outlines five steps to establish an alternative, more cost-efficient payments ecosystem in its paper entitled ‘Profiting from Payments: Empowering Consumers and Businesses with Push-To-Business Payments (P2B)’.

“We’re at a pivotal moment in payments as alternatives to debit and credit payments are booming, and businesses and consumers are actively shopping for alternatives,” said C. Eric Smith, CEO and co-founder of AppBrilliance. “We believe that P2B is the future of non-card payments, bringing the best features of secure contactless mobile payments without the underlying costs associated with running those transactions over debit or credit rails. Adding Steve Mott to our team will help us achieve our goal of providing a secure, trusted and more cost-efficient payment alternative to US businesses and consumers.”

Industry luminary Steve Mott has decades of experience in the electronic payments and security industry, having built a reputation as a trusted ambassador for high-growth technology startups in the entrenched and often opaque payments landscape. At AppBrilliance, he will leverage his extensive network to help build relationships with merchants, payment processors and other market participants looking to streamline existing payment rails. Mott has held executive roles at MasterCard, where he was SVP for eCommerce & New Ventures, and was president of Webhouse, one of the Internet’s initial fastest growing companies.

“AppBrilliance is breaking into a highly-contested market that is dominated by heavy-weights looking to defend the status quo at all costs, and at the expense of merchants and consumers,” said Steve Mott. “I’m excited to be joining a startup that not only has an unparalleled technology platform and is reshaping the industry with its P2B model, but is looking to free merchants from exorbitant card processing fees they have been paying until now.”

AppBrilliance experienced tremendous growth in 2020, when it announced the closing of over $3.5 million in seed financing, enabling an expansion of its sales and engineering teams and the appointment of Jessica DiRubio as Chief Revenue Officer. The company is continuing to build on this momentum and expects to announce major industry partnerships in 2021 that leverage its P2B APIs in both online and retail point-of-sale (POS) checkout experiences. The company is effectively taking the first step today to reveal its vision and the availability of its P2B APIs as initial payment partners integrate its technology.

About AppBrilliance:

AppBrilliance enables real-time direct payments by bypassing debit and credit card networks and risky financial data aggregators with its payment APIs. The company’s patented technology and smart APIs remove barriers to A2A payments, so consumers can instantly and securely push payments to their favorite businesses. AppBrilliance is committed to reinventing payments and enabling next-generation FinTech applications that are built on the principle of empowering consumers to control their money and financial data. For more information, please visit:



Philipp Jago