# Martin Toha

> Martin Toha is the New York-based founder and CEO of Array, which supplies embeddable financial, credit, identity and privacy products to banks, fintechs and digital brands. He previously built businesses including OrderMachine, VOIP.com and Pentius. His work focuses on helping partners add useful financial capabilities to existing customer experiences.

- **Role:** Founder and CEO at Array
- **Organizations:** Array, Pentius, VOIP.com, OrderMachine
- **Known for:** Built and sold his first technology product while in high school., Founded and led companies in e-commerce, internet telephony and consumer credit., Led Array through Finovate Best of Show recognition in 2021 and 2022.

## Career timeline

- **Late 1990s** — Began building shopping-cart software while in high school; one early customer sold futons.
- **2007** — Discussed running VOIP.com with a virtual team in a MeetInnovators interview.
- **Before Array** — Founded and led Pentius, developing consumer credit management products and services.
- **2019-2020** — Developed Array; Toha has dated its founding to 2019, while company materials identify its launch/founding as 2020 alongside Phillip Zedalis.
- **2021** — Presented Array at FinovateFall; Array received Best of Show.
- **2022** — Array received another Finovate Best of Show award.
- **2024** — Array acquired Payitoff in October.
- **2025** — Array acquired MoneyKit in July.
- **2026** — Array announced acquisitions of Chimney, Penny Finance and EarnUp in February, followed by Hansa in October.

## Achievements

- Built and sold his first technology product while in high school.
- Founded and led companies in e-commerce, internet telephony and consumer credit.
- Led Array through Finovate Best of Show recognition in 2021 and 2022.
- Led Array’s expansion through acquisitions spanning debt guidance, connectivity, planning, payments and business credit.

## Latest updates

- **2026-10** — Array announced its acquisition of Hansa on October 15, expanding into embedded business credit.
- **2026-02** — Array acquired EarnUp to add paycheck-aligned payment capabilities; it also announced Chimney and Penny Finance acquisitions that month.
- **2026-01** — Array published Toha’s reflection following the dismissal of a former employee’s lawsuit over a disputed equity claim.
- **2025-07** — Array acquired MoneyKit, adding financial connectivity infrastructure.
- **2025-04** — Published an essay about financial services customer acquisition costs and collaboration.

## Links

- LinkedIn: https://www.linkedin.com/in/martintoha/

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Profile page: https://yespress.io/martin-toha
Published by YesPress — https://yespress.io
Last updated: 2026-10-25