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License the platform. Operate the proposition.

PayFacLite® provides the operating platform for established payments businesses that need to run a more capable proposition without rebuilding the infrastructure beneath it.

Discuss your operating model
Best for
PayFac, PSP, Acquirers
You receive
Licensed operating platform
You control
Your proposition and programme
Operated by
Your permissions

Build the proposition around your strategy, without rebuilding the operating layer beneath it.

The licensed platform brings the operational layer together beneath the proposition you run: merchant and partner workflows, configured controls, payments, settlement, reporting and technical delivery.

Own the programme
Set the acquiring programme your organisation intends to run: its products, partner relationships, commercial shape and place in your market.
Own the proposition
Shape the offer, brand and customer experience around your customers, with licensed infrastructure beneath the journey.
Own the operating model
Configure workflows, controls, teams and reporting around your governance. Where your organisation holds the relevant permissions, responsibilities follow the agreed operating arrangement.

One platform. Two operating models.

The context decides what the programme carries and where responsibility sits. It does not change the platform beneath it.

For PayFacs & PSPs

Operate within an agreed acquiring programme.

Use the licensed platform to run the customer, merchant and operational proposition within the responsibilities defined by that programme.

Explore PayFacs & PSPs

For Acquirers

Operate under your own permissions and governance.

Use the licensed platform as the operating layer beneath your acquiring strategy, partner ecosystem and commercial model.

Explore Acquirers

Your permissions. Your operating model.

Where your organisation holds the relevant permissions, it directs the acquiring operation. PayFacLite® supplies the licensed platform and technical foundation beneath it.

Choose Hosted or Embedded

Select the delivery route that fits how you want customers to use your proposition.

  • HostedShape the supplied frontend—and, where agreed, native app source—for your brand and domain.
  • EmbeddedBuild the customer experience inside your own product using the API, events and integration tooling.

Your organisation controls

Set the controls and decisions that sit with your own acquiring permissions.

  • Hold the permissionsOperate under your own regulatory permissions and acquiring relationships.
  • Contract and assess merchantsOwn merchant contracting, underwriting, risk policy and compliance operations.
  • Set your propositionChoose the commercial model, products, brand and merchant experience.
  • Govern settlement and reportingDirect settlement configuration, operating teams, reporting and governance.

PayFacLite® supplies the platform capabilities

  • Connect the platformUse the technical infrastructure, integrations and configuration for your operating model.
  • Onboard and screen merchantsMerchant onboarding, verification and AML workflows within your control framework.
  • Configure risk decisionsRisk engines, fraud controls and merchant decisioning tools, configured for the programme.
  • Monitor activityMonitoring, alerts and exception workflows to support ongoing oversight.
  • Run payments and settlementProcessing, settlement and reconciliation workflows in one operating layer.
  • Report and evidenceOperational reporting and records that support your governance and oversight.

Support, updates and assurance

  • PayFacLite® integrationPlatform layer access and technical support.
  • Platform operationsPlatform and operations support.
  • Updates and statusSoftware updates and the status page.
  • Monthly assuranceMonthly performance and audit reports.
  • Hosting optionsPayFacLite-hosted or self-hosted.

Licence, modification and maintenance terms; supplied source and components; native apps and app-store arrangements; support and report scope; hosting responsibilities; permitted product presentation and parameters; and regulatory roles are agreed for each programme. Platform access or a licence does not itself confer regulated status.

The operating platform behind your arrangement.

Bring merchant and partner operations, risk controls, payments, settlement and technical integration together beneath an agreed acquiring programme or your own permissions.

Merchant and partner operation

Onboard merchants, manage your estate, and coordinate partner workflows. Give teams the tools to support the services your customers rely on every day.

Risk and operating controls

Configure controls around the agreed programme or your own permissions. Add monitoring, operational evidence, and reporting for oversight and daily decisions.

Payments and settlement

Support payment flows, virtual payments, and collections, then bring settlement, reconciliation, and account movement into the same operating picture.

Connected technical platform

Connect through APIs, SDKs, and signed webhooks. Use sandbox environments to test integrations and prepare controlled changes to the live platform.

The platform for your permissions.

Configure the operating layer for an agreed acquiring programme or your organisation’s own permissions and governance. Products, controls and responsibilities are agreed for each deployment.

Add PayFacLite® technical delivery where architecture, integration or additional build capacity is wanted. It never changes the responsibilities of the arrangement.

Discuss Implementation Support

From the agreed arrangement to production.

A PayFac programme and an Acquirer operation each follow the acquiring structure, permissions and responsibilities agreed for that deployment.

  1. Workshop

    Bring the acquiring programme you intend to run, or the permissions and governance your organisation holds, alongside the proposition and estate you want to support.

  2. Responsibilities

    Agree the programme or acquiring structure, technical and commercial scope, and how operating and regulatory responsibilities are allocated.

  3. Configuration

    Configure products, merchant and partner workflows, controls and reporting around the agreed programme or your own operating model.

  4. Integration

    Connect the platform to the agreed acquiring environment, then validate the integration and confirm the required technical, commercial and compliance readiness.

  5. Launch

    Launch within the agreed programme, or operate under your own permissions and governance. Extend the proposition as further capabilities are agreed.

Add PayFacLite® technical delivery where architecture, integration or additional build capacity is wanted. It never changes the responsibilities of the arrangement.

Explore Implementation Support

See how PayFac compares.

Licensed brings together two operating contexts: an agreed acquiring programme or an organisation operating under its own permissions. Compare both with Hosted and Embedded.

Platform model

Licensed infrastructure

PayFac

You are here
Best for
PAYFACS, PSPS & REGULATED PAYMENT COMPANIES
Proposition
Run an agreed acquiring programme on licensed infrastructure.
What is supplied
PayFacLite® platform technology, licensed and configured for the programme.
Delivery and integration
The platform connected to an agreed acquiring environment.
What you control
Configuration, estate and operations
What PayFacLite® operates
Programme-defined
Acquiring structure
Agreed acquiring programme
Regulated responsibility
Programme-defined
Route to live
Agree the programme, configure the platform to it, then operate within it.
Capability access
The platform’s capabilities, within the agreed programme.

Operated infrastructure

Hosted

Explore Hosted
Best for
ISOs & Utility Platforms
Proposition
Launch a custom payments proposition on your own domain.
What is supplied
Frontend and native iOS and Android application source, pre-integrated with the operating layer.
Delivery and integration
Pre-integrated; extended through the same contract.
What you control
Brand, journeys and roadmap
What PayFacLite® operates
Operated by PayFacLite®
Acquiring structure
PayFacLite®, acquirer-direct
Regulated responsibility
The regulated entity beneath PayFacLite®
Route to live
Source supplied, shaped by your team, launched on the operated foundation.
Capability access
The operated capability set, within agreed programme parameters.

Operated infrastructure

Embedded

Explore Embedded
Best for
Software Platforms & ISVs
Proposition
Build the payments experience into your own product.
What is supplied
The API contract, signed webhooks, sandbox, and SDKs and agent tooling as available.
Delivery and integration
APIs, SDKs, webhooks, sandbox and approved integration tooling.
What you control
The complete product architecture
What PayFacLite® operates
PayFacLite®
Acquiring structure
PayFacLite®, acquirer-direct
Regulated responsibility
The regulated entity beneath PayFacLite®
Route to live
Build against the contract in the sandbox, then move the same integration to production.
Capability access
The operated capability set, within agreed programme parameters.

Licensed infrastructure

Acquirer

Explore Acquirer
Best for
ESTABLISHED ACQUIRERS OPERATING UNDER THEIR OWN PERMISSIONS
Proposition
Operate the full platform on licensed infrastructure under your own permissions.
What is supplied
The complete licensed platform and supporting technical infrastructure.
Delivery and integration
The licensed platform, integrated with your acquiring or programme structure.
What you control
Product, operation and commercial model
What PayFacLite® operates
Regulated organisation
Acquiring structure
Regulated organisation’s approved structure
Regulated responsibility
Regulated organisation under its permissions
Route to live
Confirm permissions and acquiring structure, configure the platform, then operate it yourself.
Capability access
The platform’s capabilities, configured under your own permissions.
Book a workshop with our technical partner team

Acquiring infrastructure for international platforms.

Build and operate across the UK, Europe and the United States from a single governed PayFacLite® operating foundation.

  • United Kingdom

    Regulated acquiring foundation

  • Europe

    Infrastructure for multi-market propositions

  • United States

    Infrastructure for international growth

Market availability depends on programme structure, product scope and applicable regulatory requirements.

  • Verofy Ltd (trading as Verofy® Acquiring) — FCA Authorised Payment Institution
  • PCI DSS Level 1
  • Safeguarding in line with regulatory requirements
  • United Kingdom
PFL Trust Centre

What will you build?

Keep control of the customer relationship, shape a proposition that’s yours, and create more value in your business. We’ll help map the right operating model.

Book a 30-minute workshop

A clear view of your platform route.

Your proposition
Who it serves and what it offers.
The operating model
Where the regulatory boundary sits.
Delivery and integration
How your team connects and goes live.

Email us: enterprise@payfaclite.com

Call us: 0330 088 1251

Visit us: Bank House, Manchester.