SurgePays, Inc.

SurgePays, Inc. is a financial technology and telecommunications company dedicated to serving underbanked and underserved communities across the United States. Headquartered in Bartlett, Tennessee, the company's mission is to deliver essential telecom and financial products conveniently, affordably, and efficiently, thereby bridging critical gaps in connectivity and financial access.

The company operates through Mobile Virtual Network Operators (MVNO) that provide mobile broadband, voice, and SMS services to both subsidized (e.g., Lifeline) and direct retail prepaid customers via brands like LinkUp Mobile, SurgePhone Wireless, and Torch Wireless. Additionally, SurgePays offers Comprehensive Platform Services, including a financial technology and wireless top-up platform for independently owned convenience stores. This platform integrates point-of-sale (POS) technology to facilitate prepaid wireless top-ups, gift card activations, and bill payments, transforming local retailers into community service hubs. The company also utilizes its ClearLine SaaS platform for in-store digital advertising and content display.

Led by CEO and Chairman Brian Cox, SurgePays has been actively expanding its market presence and technological capabilities. Recent developments include the advancement of an AI decisioning platform aimed at increasing revenue per user in the subprime market, announced in April 2026. In February 2026, its LinkUp Mobile brand surpassed 100,000 active subscriber lines. The company completed its integration with AT&T in April 2025, gaining direct access to 4G LTE and 5G wireless networks. SurgePays reported full-year 2025 results, highlighting a repositioning towards a multi-channel, capital-efficient growth model, and has issued guidance projecting over $200 million in revenue over the next 12 months with anticipated positive cash flow from operations before the end of 2025.