PayFac as a Service Platform Without Infrastructure Overhead
Most ISVs don't realise they're missing out on 87% more revenue by not controlling their payment stack. While they focus on building core products, embedded payments represent the fastest path to sustainable growth - but traditional payment facilitation requires months of development, compliance overhead, and infrastructure investment that diverts resources from innovation. PayFacLite® delivers a complete payfac as a service platform that eliminates these barriers. Our UK-regulated solution enables SaaS companies and platforms to capture payment revenue streams without building payment infrastructure or managing compliance complexity. a growing network of partnersplatforms across finance, property, and marketplace sectors [Start Your Payment Revenue Journey - Book a Demo Today →]
Why Losing Payment Control Costs Your Business More Than You Think
Every transaction your customers process through third-party payment providers represents lost revenue, reduced control, and missed growth opportunities. The average platform loses 127,000 annually by not owning their payment experience. When you don't control payments, you lose: Revenue Leakage: Payment margins that should flow to your business instead fund external providers. A platform processing 2M annually loses approximately 60,000 in potential payment revenue. Customer Data: Transaction insights that drive product development and customer retention strategies disappear into provider black boxes. This data blindness prevents you from optimising user experiences and identifying growth patterns. Brand Experience: Customers interact with external payment interfaces during their most sensitive moments - the point of purchase. This breaks your brand experience and creates trust gaps. Competitive Position: Platforms with embedded payments achieve 30% higher customer lifetime values and 23% better retention rates. Without payment control, you're competing with one hand tied behind your back. Pricing Flexibility: External providers dictate your payment costs and settlement terms. This removes your ability to optimise pricing strategies or offer competitive rates to attract high-value customers. **Market Expansion Speed: Traditional payment integration requires 6-18 months of development. During this time, competitors with embedded payment capabilities capture market share and establish customer relationships. The cost of inaction compounds monthly. Every quarter without payment facilitation represents approximately 31,750 in lost revenue for the average mid-market platform.
PayFacLite® Platform: Complete Payment Facilitation Without the Complexity
Our payfac as a service platform transforms payment facilitation from a technical project into a business enabler. PayFacLite® handles all infrastructure, compliance, and operational complexity while you capture payment revenue and control the customer experience.
Sub-Merchant Onboarding Engine
Our automated onboarding system processes sub-merchant applications in under 24 hours using intelligent risk assessment and document verification. The system pre-populates application forms using Companies House data and performs real-time compliance checks against PEP and sanctions lists. This reduces merchant drop-off rates by 40% compared to manual processes, enabling faster scaling without operational bottlenecks.
Transaction Processing Infrastructure
PayFacLite® processes payments through multiple acquiring relationships with 99.9% uptime guarantees. Our smart routing optimises transaction success rates by directing payments through the best-performing acquirer for each transaction type and merchant profile. This intelligent routing increases approval rates by 8-12%, generating more revenue for your sub-merchants with fewer failed transactions.
Automated Compliance Management
Compliance requirements update constantly, but our platform automatically adapts to regulatory changes without requiring action from your team. We handle PCI DSS compliance, FCA reporting, anti-money laundering monitoring, and fraud detection using machine learning algorithms trained on UK payment patterns. This automated compliance management removes the need for dedicated compliance personnel, letting you focus resources on product development and customer acquisition.
Settlement and Reconciliation Services
Our settlement engine processes funds to sub-merchants within 24 hours while providing complete transaction-level reporting. The system automatically calculates platform commissions, handles reserves for high-risk merchants, and provides real-time settlement tracking. This transparent settlement process eliminates the administrative burden of payment operations, enabling scale without increasing back-office complexity.
White-Label Payment Interface
The platform provides fully customisable payment interfaces that integrate seamlessly with your existing customer experience. Sub-merchants interact exclusively with your brand throughout the entire payment journey, maintaining consistency and trust. Your customers never see external payment branding, preserving your relationship and ensuring seamless user experiences that drive higher conversion rates. ---
Ready to Reclaim Your Payment Revenue?
Join many platforms already generating additional revenue streams with PayFacLite®. Our payfac as a service platform eliminates technical complexity while maximising your payment potential.[Schedule Your Free Platform Demo →]** No commitment required. See how PayFacLite® fits your specific business needs in 30 minutes. Call us directly: 0330 088 1251
Frequently Asked Questions
What happens if PayFacLite® doesn't deliver the results promised?
We guarantee 99.9% uptime and 24-hour sub-merchant onboarding times. If we fail to meet these commitments, we provide service credits and will work with you to identify alternative solutions. Our success depends on your success, which is why we offer performance guarantees backed by our FCA regulation and operational track record.
How much does switching from our current payment setup cost?
Switching costs are typically offset within 90 days through increased payment revenue and reduced processing fees. Most platforms save 15-25% on payment costs while generating new revenue streams worth 3-5% of payment volume. We provide detailed ROI calculations based on your current payment volumes and processing costs during our consultation process.
Can we maintain our existing acquiring relationships?
Yes, PayFacLite® can integrate with your preferred acquirers while providing additional backup relationships for redundancy. This hybrid approach maintains your existing commercial terms while adding the infrastructure and compliance capabilities needed for payment facilitation.
What if regulatory requirements change after we launch?
PayFacLite® automatically adapts to regulatory changes without requiring action from your team. Our compliance team monitors regulatory developments and implements necessary updates to maintain ongoing compliance. You receive notifications of changes but don't need to manage implementation details.
How quickly can we start onboarding sub-merchants?
Most platforms begin onboarding sub-merchants within 4 weeks of signing with PayFacLite®. The timeline depends on integration complexity and compliance requirements specific to your business model. We provide detailed project timelines during the consultation process and assign dedicated project managers to ensure smooth implementation.