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Most platforms discover too late that building payment facilitation in-house costs 18 months and over £500,000 in compliance infrastructure alone. Meanwhile, their competitors are already processing transactions and capturing revenue from every payment.
PayFacLite® eliminates the technical complexity and regulatory burden of becoming a payment facilitator. Our platform handles sub-merchant onboarding, transaction processing, and compliance management so you can launch payment services in weeks, not years.
Every month without embedded payments represents lost revenue and competitive disadvantage. Platforms that delay payment facilitation face mounting pressure:
Revenue Leakage: Without payment facilitation, you're directing customers to external payment providers, losing transaction visibility and potential revenue streams. Industry research shows platforms capture 15-30% additional revenue when they control the payment experience.
Customer Churn Risk: Fragmented payment experiences create friction. When customers encounter multiple login screens, different user interfaces, and disconnected workflows, abandonment rates increase by 67%. Your platform becomes just another step in their process rather than the central hub.
Competitive Vulnerability: Whilst you're building infrastructure, competitors with embedded payments are capturing market share. They're offering unified experiences, better pricing through payment margins, and deeper customer relationships through transaction data.
Compliance Exposure: Building payment facilitation requires FCA authorisation, PCI DSS compliance, anti-money laundering controls, and ongoing regulatory reporting. The compliance burden grows heavier each quarter, not lighter.
Development Resource Drain: Engineering teams spend months building payment infrastructure instead of core platform features. This opportunity cost compounds as product development slows whilst competitors accelerate.
The window for easy payment integration is closing. Regulatory requirements increase annually, and the technical complexity grows as payment methods multiply. Acting now preserves your options; waiting reduces them.
PayFacLite® provides everything needed for payment facilitation for platforms, eliminating the need to build or integrate multiple vendors:
Sub-Merchant Onboarding Engine: Automated KYC verification processes onboard merchants in under 48 hours, which means faster revenue generation and reduced manual workload. Risk assessment algorithms flag suspicious applications before approval, which means compliance protection without blocking legitimate businesses.
Transaction Processing Core: Multi-acquirer routing optimises approval rates across different payment types, which means higher conversion rates and better customer experience. Real-time transaction monitoring detects anomalies and prevents fraud, which means reduced chargebacks and protected revenue.
Compliance Management System: Automated regulatory reporting satisfies FCA requirements without manual intervention, which means reduced compliance costs and eliminated filing errors. Built-in AML screening processes flag suspicious transactions, which means regulatory protection and reduced investigation burden.
Settlement and Reconciliation: Automated split payments distribute funds to sub-merchants according to configured rules, which means reduced operational overhead and faster merchant payments. Comprehensive transaction reporting provides audit trails for accounting and tax purposes, which means simplified financial management.
Developer Integration Tools: RESTful APIs enable integration in days rather than months, which means faster time to market and reduced development costs. Webhook notifications provide real-time transaction updates, which means better customer experience and operational visibility.
White-Label Interface: Customisable merchant portal matches your brand guidelines, which means consistent user experience and stronger brand association. Sub-merchant dashboard provides transaction history and settlement details, which means reduced support enquiries and improved merchant satisfaction.
Our infrastructure handles the complex regulatory and technical requirements whilst you focus on platform growth and customer acquisition. This division of responsibilities accelerates your payment programme launch whilst maintaining compliance standards.
Step 1: Platform Assessment (24 hours): Our technical team evaluates your platform architecture and integration requirements. We identify the optimal integration approach and provide detailed implementation timeline. This assessment ensures smooth integration without disrupting existing operations.
Step 2: API Integration (3-5 days): Your development team implements our RESTful APIs using comprehensive documentation and code samples. Our technical support team provides guidance throughout integration. Sandbox environment enables testing without affecting live transactions.
Step 3: Compliance Configuration (48 hours): We configure risk parameters, compliance rules, and reporting requirements specific to your business model. Regulatory submissions are prepared and submitted to relevant authorities. This step ensures full compliance from day one of operations.
Step 4: Go-Live Support (ongoing): Launch with dedicated account management and technical support. We monitor transaction performance and provide optimisation recommendations. Continuous compliance monitoring ensures ongoing regulatory adherence.
This streamlined process eliminates the typical 18-month build cycle associated with in-house payment facilitation development. You maintain control over the merchant relationship whilst we handle the regulatory and technical complexity.
What happens if PayFacLite® doesn't integrate properly with our existing platform?
Our RESTful APIs are designed for compatibility with modern platform architectures. We provide dedicated technical support during integration and offer customisation options for unique requirements. If integration proves impossible due to technical constraints, we provide full refund within 30 days of contract signature.
How quickly can we start processing live transactions?
Most platforms process their first live transaction within 7-14 days of contract signature. This includes API integration, compliance setup, and regulatory submissions. We provide project management support to ensure timeline adherence and remove integration bottlenecks.
What if regulatory requirements change after we launch?
PayFacLite® automatically adapts to regulatory changes without requiring platform modifications. We monitor FCA guidance, PCI DSS updates, and industry regulations continuously. Compliance updates are implemented automatically, ensuring ongoing adherence without operational disruption.
How do we ensure our merchants receive proper support?
You maintain the primary merchant relationship whilst PayFacLite® handles technical payment issues. We provide white-label support documentation and can offer co-branded support services. This approach preserves your customer relationships whilst ensuring expert payment support.
What happens to our data if we decide to change providers?
Complete data portability is guaranteed through our API. Transaction histories, merchant records, and compliance documentation are exportable in standard formats. We provide migration support to ensure smooth transitions without data loss or operational disruption.
Get Started With Your Payment Programme
Our RESTful APIs are designed for compatibility with modern platform architectures. We provide dedicated technical support during integration and offer customisation options for unique requirements. If integration proves impossible due to technical constraints, we provide full refund within 30 days of contract signature.
Most platforms process their first live transaction within 7-14 days of contract signature. This includes API integration, compliance setup, and regulatory submissions. We provide project management support to ensure timeline adherence and remove integration bottlenecks.
PayFacLite® automatically adapts to regulatory changes without requiring platform modifications. We monitor FCA guidance, PCI DSS updates, and industry regulations continuously. Compliance updates are implemented automatically, ensuring ongoing adherence without operational disruption.
You maintain the primary merchant relationship whilst PayFacLite® handles technical payment issues. We provide white-label support documentation and can offer co-branded support services. This approach preserves your customer relationships whilst ensuring expert payment support.
Complete data portability is guaranteed through our API. Transaction histories, merchant records, and compliance documentation are exportable in standard formats. We provide migration support to ensure smooth transitions without data loss or operational disruption.