Run the payments proposition your business is built to own.
Run and scale an agreed Payment Facilitator programme on licensed infrastructure. PayFacLite® provides the platform, operating capability and partner-programme foundation beneath the proposition you control.
Operate a merchant programme built to scale.
PayFacLite® provides the licensed acquiring infrastructure, operating technology and technical capacity that support your payment proposition. You do not have to rebuild the operating layer to get there.
- Merchant onboarding and risk
- Application, verification, underwriting and risk workflows configured to the policies your programme operates under.
- Sub-merchant operating capability
- Acceptance, settlement, reconciliation and reporting across the whole merchant portfolio on one platform.
- Commercial configuration
- Pricing, programme structure and partner arrangements configured within the agreed programme.
Your strategy sets the order. The platform follows it.
The order protects the programme’s responsibilities: what is agreed comes before what is deployed, and what is deployed comes before what is connected.
Programme brief
Your merchant programme, partner structure and acquiring requirements.
Structure
Acquiring programme, permissions, responsibilities and the operating profile, assessed and agreed in writing.
Integration
APIs, events and operational interfaces connected to your systems, and the agreed acquiring environment connected, subject to assessment.
Operating readiness
Operations, compliance and reporting exercised end to end before anything carries real money.
Go live
The programme goes live under the agreed responsibilities, and scales on the same platform.
Add PayFacLite® technical delivery where architecture, integration or additional build capacity is wanted. It never changes the responsibilities of the arrangement.
An agreed acquiring programme, on licensed infrastructure.Powered by PayFacLite®
Choose Hosted or Embedded
Select the delivery route that fits how customers 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.
Run the agreed merchant programme
The programme defines the acquiring structure and how operating and regulatory responsibilities are allocated.
- Contract and assess merchantsAgree merchant contracting, onboarding, risk policy and compliance responsibilities for the programme.
- Set your propositionChoose the products, partners and merchant experience within the agreed programme.
- Govern settlement and reportingAgree settlement configuration, operating teams and reporting responsibilities.
- Set partner rolesDefine how distribution partners access and support the merchant programme.
PayFacLite® supplies the platform capabilities
- Connect the platformUse the technical infrastructure, integrations and configuration for the agreed programme.
- Onboard and screen merchantsMerchant onboarding, verification and AML workflows configured to the programme.
- 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 programme 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.
Give your partners a payments proposition built on yours.
Partners take payment propositions to market on the platform you define, through controlled routes, embedded experiences or platform-led client relationships.
- Partner access and roles
- Define how each partner accesses and operates within your platform, including the specific permissions you choose to allow.
- Commercial configuration
- Structure agreed programme economics, products and services, and commercial arrangements around each partner.
- Hosted and Embedded propositions
- Enable partners to bring payment products to market through the experience that fits their business.
- Shared operating foundation
- Consistent onboarding, payment operations, settlement and reporting beneath every partner proposition.
Fully managed partner channel
Partners take payment propositions to market on the platform you define, through controlled routes, embedded experiences or platform-led client relationships.
Your ISO, ISV, SaaS and distribution partners
Set the risk appetite.Control the decisions that shape your programme.
PayFacLite® brings AI and LLM-assisted monitoring, merchant onboarding and decisioning into one governed control environment. Configure merchant onboarding, risk controls and monitoring within the agreed structure of the payments programme you run.
Acquiring controls
- Risk appetite & decision controls
- Configure programme rules, thresholds, review routes and decision parameters around your operating model.
- MCC, market & sector controls
- Apply category, market and sector criteria that determine where and how the programme operates.
AI-assisted operations
- AI / LLM-assisted merchant onboarding
- Assess merchant applications against the programme criteria, evidence requirements and operating controls you define.
- AI / LLM-assisted fraud & risk monitoring
- Surface risk signals, anomalies and exceptions across the merchant portfolio for controlled investigation and action.
Control plane
Automation with governance
Rules, policy controls, review routes and accountability remain visible around every risk and onboarding decision.
Your programme controls · one governed payments foundation
Turn operating data into regulatory readiness.
Bring programme reporting, operating evidence and regulated-return preparation onto one platform. Align it with your programme’s agreed governance and responsibilities.
Programme & portfolio reporting
Bring merchant, payment, risk, settlement and operational activity into one controlled reporting view.
Regulated-return preparation
Prepare the data, evidence and reporting outputs required for regulatory returns and operating obligations.
Governance & management information
Give accountable teams clearer visibility of programme performance, controls, exceptions and operating trends.
Auditable operating evidence
Maintain the structured records and operational context needed to support review, governance and regulatory engagement.
Operating evidence
Reporting supports accountability
PayFacLite® provides the platform data and preparation capability. Accountability for regulatory returns remains with the relevant regulated entity.
Programme data · operating evidence · governed reporting · automated reporting templates · scheduled tasks
Choose the platform arrangement that fits your operation.
The arrangement is defined around the payment proposition, customer or merchant relationships, partner structure and operating requirements of the agreed programme. It is not an operating model or a price list; platform acquisition and managed support services remain subject to commercial confirmation.
Commercial & service arrangement
Licensed platform
Choose monthly or annual licensing for the hosted, self-hosted or managed deployment agreed for your programme. Configure integrations around your supply chain, business processes and operational requirements.
- Programme licensing
- Deployment model
- Supply-chain integrations
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
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.
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.