Payment Facilitation Platform UK Without Infrastructure Costs

Most ISVs don't realise they're leaving 40% of their revenue potential on the table by relying on traditional payment processors instead of becoming payment facilitators themselves. While your competitors struggle with payment friction and limited control, you could be capturing every transaction fee, accelerating merchant onboarding, and building deeper platform stickiness. The question isn't whether to become a payment facilitator—it's how quickly you can make the transition without the typical 18-month compliance nightmare. ## Trusted by Leading UK Technology Companies Over 150 ISVs, SaaS platforms, and marketplaces trust PayFacLite^® to power their embedded payment programmes. Our clients process over £2.4 billion annually through our payment facilitation platform UK infrastructure, maintaining 99.97% uptime whilst achieving 48-hour merchant onboarding speeds. "PayFacLite^® transformed our payment strategy from a cost centre to a revenue driver. We're now capturing transaction fees we never knew existed." — Head of Product, Leading UK SaaS Platform ## The Hidden Cost of Payment Dependency Every month you delay becoming a payment facilitator, you lose ground to competitors who control their payment experience. Here's what continuing with traditional payment processing actually costs: Revenue Leakage: Your current processor captures 100% of interchange fees whilst you receive none. For a platform annually, that's approximately £180,000 in lost revenue flowing to your payment provider instead of your business. Customer Experience Friction: Traditional payment setups create disconnected experiences. Merchants must complete separate applications, wait for approvals from third parties, and navigate different support channels. This friction directly impacts your conversion rates and merchant satisfaction scores. Platform Stickiness Weakness: When payments aren't embedded, merchants can easily switch platforms. They're not truly integrated into your ecosystem—they're just using your software with someone else's financial infrastructure. Growth Ceiling: Without payment facilitation capabilities, scaling becomes exponentially more complex. Each new market requires separate payment partnerships, compliance reviews, and integration work. Your growth velocity decreases as your market expands. Data Blindness: Traditional processors limit your access to transaction data, preventing you from building better products, offering dynamic pricing, or creating value-added financial services for your merchants. The opportunity cost compounds monthly. Whilst you're planning and researching, your competitors are already capturing these benefits. ## PayFacLite^®: Your Complete Payment Facilitation Platform UK Solution PayFacLite^® eliminates the traditional barriers to becoming a payment facilitator. Instead of spending 18 months navigating regulatory compliance and building infrastructure, you can launch your payment programme within 48 hours. : We operate under FCA authorisation as an authorised payment institution, which means you inherit full payment facilitation capabilities without requiring your own licence. Your merchants onboard as sub-merchants under our umbrella, giving you immediate market access. : Our automated compliance system handles Know Your Customer checks, risk assessment, and ongoing monitoring. The system integrates with Companies House, credit agencies, and sanctions databases to complete merchant verification automatically. You focus on your product whilst we manage regulatory requirements. : Unlike traditional processors that hold funds for days, PayFacLite provides same-day settlement to your merchants with full transaction visibility. You control the settlement schedule, which means happier merchants and improved cash flow across your platform. : Capture interchange fees, processing margins, and value-added service revenue. Our transparent pricing model shows exactly how much you earn from each transaction, enabling you to build sustainable unit economics around your payment programme. : The PayFacLite platform operates invisibly within your existing product. Merchants experience seamless payment onboarding as part of your platform signup, not as a separate process. Your brand remains front and centre throughout the entire payment journey. : Monitor merchant performance, transaction volumes, and compliance status through our real-time dashboard. Set automated rules for risk management, settlement timing, and merchant communications. The system scales with your business without requiring additional resources. ## Start Capturing Payment Revenue This Week Every day you delay costs your business approximately £490 in lost interchange revenue (based on average client processing volumes). Your competitors are already embedding payments—you can't afford to wait another quarter whilst they build market advantages. PayFacLite clients typically see ROI within 90 days of launch. The setup process takes 48 hours, not 18 months. We'll show you exactly how much revenue you're currently leaving on the table and create a custom implementation timeline for your platform. Limited availability: We're currently onboarding 12 new partners this quarter. Secure your implementation slot before your competitors do.