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Most ISVs don't realise they're leaving 40% of their potential payment revenue on the table by staying dependent on third-party processors. While your competitors build direct payment relationships with their customers, you're stuck explaining why transaction fees keep rising and why settlement takes days instead of hours.
Trusted by 180+ UK platforms processing £2.4B annually
Every day you operate without direct payment control, you lose more than just transaction margins. Your customers experience friction at checkout because they're redirected to unfamiliar payment pages. Your cash flow suffers because settlements happen on someone else's timeline. Your growth stagnates because you can't offer the payment flexibility that modern businesses demand.
Your SaaS platform might be generating £100K monthly in transaction volume, but you're only capturing 10-15% of the available payment revenue. The remaining 85-90% flows to payment processors who own the merchant relationships you helped create. Meanwhile, your competitors who've implemented payment facilitator lite solutions are capturing 3-4x more revenue per customer while offering superior payment experiences.
The switching costs only increase with time. Every month you delay means more customers to migrate, more integrations to rebuild, and more revenue permanently lost to intermediaries who add minimal value to your customer relationships.
PayFacLite® delivers everything you need to become a payment facilitator lite without the typical 18-month implementation timeline or £500K+ infrastructure investment. Our platform handles the complex regulatory requirements, technical integrations, and operational overhead that traditionally make payment facilitation impossible for growing platforms.
Sub-Merchant Onboarding That Actually Works Our automated onboarding system gets your merchants accepting payments within 24 hours, not 2-3 weeks. The system performs real-time KYC checks, automates risk assessment scoring, and integrates directly with Companies House for instant business verification. Your customers start generating revenue immediately instead of waiting in approval queues.
Transaction Processing Built for Scale Our processing engine handles everything from card-present transactions to recurring billing, with intelligent routing that optimises for both cost and success rates. The platform automatically handles 3DS2 authentication, network tokenisation, and retry logic, delivering 15-20% higher authorization rates compared to basic payment gateways.
Compliance Management Without the Headaches Staying compliant with FCA regulations, PCI DSS requirements, and Open Banking standards requires constant attention to evolving rules. PayFacLite® automates compliance monitoring, generates required reports automatically, and updates security protocols without requiring development resources from your team.
Automated Settlement That Improves Cash Flow Instead of waiting for weekly or monthly settlement cycles, your merchants receive funds within 24 hours of transaction completion. Our settlement engine automatically handles reserve calculations, rolling reserve adjustments, and chargeback deductions for cleaner accounting and happier merchants.
Week 1: Integration Setup Our technical team handles the API integration with your existing platform. Most integrations complete within 48 hours because we've built pre-configured modules for popular SaaS frameworks. You get sandbox access immediately to begin testing transaction flows.
Week 2: Compliance Verification We submit your FCA application and handle the regulatory paperwork while you focus on preparing your merchant onboarding flows. Our compliance team has a 98% first-time approval rate because we know exactly what regulators require.
Week 3-4: Merchant Migration Existing merchants transition to your new payment facilitator lite platform through automated migration tools. New merchants onboard directly through your branded payment application process. Most platforms see zero transaction disruption during migration.
If you're processing £100K monthly:
If you're processing £500K monthly:
Get your personalised payment facilitator lite revenue assessment and implementation roadmap. We'll show you exactly how much additional revenue you're missing and create a risk-free migration plan for your platform.
[Get Your Free Revenue Assessment →]
Or speak directly with our payment facilitation specialists: 020 7946 0532
Book a 15-minute call to discuss your payment volume and current setup. No sales pressure - just actionable insights about your payment revenue potential.
We've successfully migrated platforms with 10,000+ active merchants and complex transaction flows. Our migration process runs in parallel with your existing setup, so there's zero risk of payment disruption. If migration doesn't work seamlessly, we provide a full refund and help restore your original configuration at no cost.
PayFacLite® is built specifically to reduce regulatory risk, not increase it. We maintain FCA authorisation, handle PCI DSS compliance automatically, and provide audit trails that regulators actually prefer over typical payment processor arrangements. You get more compliance protection, not less.
Our infrastructure automatically scales to handle volume increases without manual intervention or additional setup fees. We've processed single-day volumes 10x higher than normal without performance issues. You only pay for transactions you actually process, with no volume commitments or scaling penalties.
Absolutely. PayFacLite® provides white-label payment interfaces that integrate seamlessly with your existing platform design. Your merchants and their customers see your branding throughout the entire payment experience, not generic payment processor interfaces.
Our platform connects with 15+ acquiring banks and supports 40+ payment methods including card payments, Open Banking, and digital wallets. If you need connections we don't currently support, we typically add them within 30-60 days at no additional cost.