Payment Facilitation Platform

If you're an ISO, ISV, or software provider looking to own more of the payment stack, the question isn't whether to act, it's how fast you can move. The payments industry rewards partners who control their merchant relationships and pricing. It penalises those who rely on someone else to do it for them.

PayFacLite^® is built for partners who are done leaving money on the table.

What a Payment Facilitation Platform Actually Does for Your Business

At its core, a payment facilitation platform lets you act as the master merchant, onboarding sub-merchants under your umbrella, setting their pricing, and managing the full payment experience without pushing them to a third-party processor's portal. That matters because it means your brand stays front and centre, your data stays with you, and your revenue model is yours to define.

For ISVs, this means embedding payments directly into your software without stitching together a fragile set of third-party APIs. For ISOs and acquirers, it means running a cleaner, faster merchant onboarding process with full visibility across your portfolio. For utility providers and PSPs, it's about having the infrastructure to serve a diverse merchant base without building everything from scratch.

PayFacLite^® handles the compliance architecture, underwriting workflows, and reporting infrastructure so you're not reinventing the wheel. You focus on growing your book of business.

Frequently Asked Questions

What is a payment facilitation platform and who is it for?

A payment facilitation platform allows businesses like ISOs, ISVs, and acquirers to onboard and manage merchants under a master merchant model, rather than referring them to a third-party processor. It's designed for partners who want to control the merchant experience, set their own pricing, and build a recurring revenue stream from payments. PayFacLite is purpose-built for exactly this type of partner.

How long does it take to integrate PayFacLite into an existing product?

Integration timelines vary based on your existing tech stack and how deeply you want to embed the payment experience, but PayFacLite's API-first design and sandbox environment are built to accelerate that process significantly. Many partners reach a production-ready state well ahead of what a traditional acquiring setup would require. Dedicated onboarding support is available throughout.

Can I white-label the merchant onboarding experience?

Yes. PayFacLite is designed to support white-labelled deployments so your merchants interact with your brand, not ours. You control the interface, the onboarding flow, and the communications — PayFacLite operates as the infrastructure behind the scenes. This is particularly valuable for ISVs and software providers who want payments to feel like a native part of their product.

What commercial models does PayFacLite support?

PayFacLite supports flexible commercial structures including revenue share, flat-fee, and blended pricing models. Partners can configure pricing at the merchant level, giving you full control over margin and positioning. This flexibility means the platform works whether you're running a high-volume, low-margin portfolio or a premium, niche merchant programme.

How does PayFacLite handle compliance and risk management?

Compliance and risk controls are built into the platform rather than bolted on. PayFacLite includes KYC and KYB workflows, configurable underwriting rules, and ongoing transaction monitoring to help partners meet their regulatory obligations without building those systems themselves. You retain control over risk decisions while operating within a compliant infrastructure.

Payment Facilitation Platform Built for Ambitious Partners