Move beyond referral. Build a payments business merchants recognise as yours.
Turn your merchant relationships into a payments proposition of your own. Shape supplied frontend and native app source around your brand, publish on your own domain and agree the commercial model; PayFacLite® operates the regulated acquiring and payment foundation beneath it.
Your proposition leads. PayFacLite® operates the foundation.
Keep your brand and merchant relationship at the centre of your payments business. Shape the supplied experience, service offer and commercial model for your market; PayFacLite® operates the agreed acquiring and payment foundation behind it.
- Own the merchant relationship
- Give merchants a payment experience under your brand, on your domain, with a service relationship connected to your business.
- Build your commercial proposition
- Shape the service offer, permitted pricing and commercial participation around your market within the agreed programme.
- Grow your portfolio
- Use merchant, payment and settlement reporting to support customers. Where enabled and agreed, collect eligible fees through settlement.
Hosted proposition. One governed foundation.
Build a branded payment proposition around the merchants you serve, with supplied source, an agreed commercial model and a clear route to launch.
Workshop
Define your merchant segments, proposition, service scope and commercial model with the teams who will deliver it.
User journey
Shape how merchants discover your offer, apply, access payment services and get support under your brand.
Integration
Adapt the supplied frontend and native app source, agree domain and hosting arrangements, and connect the required systems.
UAT
Test merchant journeys, operational hand-offs, support processes and reporting before approval to go live.
Launch
Go live with your first merchants, then grow the portfolio and extend services within the agreed programme.
Add PayFacLite® technical delivery where architecture, integration or additional build capacity is wanted. It never changes the responsibilities of the arrangement.
A hosted payment proposition built around your merchant portfolio.
Your business shapes the brand, merchant experience and commercial offer. PayFacLite® supplies the starting components and operates the agreed acquiring and payment foundation.
- Merchant acquisition
- Bring your portfolio, target segments and relationships into a branded route for application and payment acceptance.
- Brand and journeys
- Shape supplied frontend and native app source around your brand, domain and merchant experience within agreed terms.
- Commercial configuration
- Agree payment services, permitted pricing, commercial participation and service scope for your proposition.
- Operating foundation
- PayFacLite® operates onboarding, risk, processing, settlement and reporting under the agreed programme.
One agreed operating foundation
Build the proposition around your market. Connect to the agreed payment capabilities without assembling the acquiring and operational foundation yourself.
- Portfolio visibility
- Use available merchant, payment and settlement reporting to understand activity and support portfolio growth.
- Merchant support
- Keep service conversations connected to your merchant relationship, with operational support and reporting agreed for the programme.
- Clear responsibilities
- Your business owns its proposition and merchant relationship. PayFacLite® operates the agreed foundation; regulated responsibilities remain with the relevant entity.
Your payments business.Powered by PayFacLite®
You control
Adapt supplied product source into the merchant proposition your business takes to market.
- Shape the supplied experienceStart from frontend and native app source, then tailor it to the merchants you serve.
- Own the brand and journeySet the domain, look, onboarding and merchant flows for your proposition.
- Configure your offerChoose the agreed products and services presented to your merchant portfolio.
- Grow your portfolioUse payment activity and reporting to support merchant relationships.
PayFacLite® operates
- Connect the acquiring routeAcquirer-direct acquiring.
- Onboard and verify merchantsMerchant onboarding, KYC, KYB and AML.
- Underwrite and approveRisk review and ultimate approval.
- Process and settleProcessing, settlement and reconciliation.
- Monitor and reportReporting, compliance controls and regulatory operations.
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.
Build your Hosted proposition. Your way.
Choose how your team shapes, connects and launches the merchant experience. Every route supports the proposition you own, with PayFacLite® operating the agreed acquiring and payment foundation.
- Supplied sourceFrontend and native app source under agreed terms.
- Brand and journeysShape the merchant-facing experience for your market.
- Native appsAgree app modification and app-store arrangements.
- Domain and hostingPublish on your domain with hosting responsibilities agreed.
- Connected operationsAgree system connections, events and reporting scope.
- Testing and launchValidate the proposition before approval to go live.
Work with PayFacLite® specialists to scope the supplied source, brand, merchant journeys and delivery responsibilities, then follow an agreed route through testing and launch.
Best when your team wants support shaping and delivering its Hosted proposition.
- route
- Guided
- foundation
- One governed PayFacLite® foundation
- surface
- Supplied frontend and native app source
- surface
- Brand and merchant journey
- surface
- Testing and launch readiness
Technical delivery, built in
Add PayFacLite® technical delivery where architecture, integration or additional build capacity is wanted. It never changes the responsibilities of the arrangement.
Agree the proposition around your operating model.
Confirm the platform components, commercial terms, delivery responsibilities and service scope before launch.
Agreed for each proposition
Hosted proposition
Agree the supplied frontend and native app source, brand, domain, permitted changes and merchant journey for the Hosted proposition.
- Supplied source
- Brand and domain
- Merchant journey
Commercial participation and hardware income depend on the agreed commercial model. Lending is subject to eligibility, programme availability and applicable partner-provider conditions. Payouts are subject to programme eligibility.
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.