Loading
Loading
Most platform businesses hand over millions in potential revenue without realising it. Every transaction that flows through your platform represents an opportunity you're likely giving away to external payment providers. Your customers need embedded payments, but traditional payment gateways force you to surrender control, data, and substantial revenue streams.
PayFacLite® transforms UK platforms into payment facilitators without the traditional barriers. Our payment gateway for platforms enables you to own the entire payment experience whilst maintaining complete control over your sub-merchants and transaction data.
When you rely on external payment providers, you're not just paying processing fees. You're surrendering your most valuable business assets.
Revenue Sharing That Never Ends: External payment providers take a percentage of every transaction forever. A platform processing £1 million monthly typically loses £15,000-£25,000 in revenue sharing alone. That's £180,000-£300,000 annually going straight to someone else's bottom line.
Customer Data Ownership: Your payment provider owns the relationship with your sub-merchants. They hold the customer data, control the onboarding experience, and can change terms without your input. You become a middleman in your own business.
Limited Control Over User Experience: External payment gateways force your customers through third-party interfaces. Your carefully crafted brand experience gets interrupted by someone else's payment flow, reducing conversion rates and customer satisfaction.
Compliance Dependency: You're entirely dependent on another organisation's compliance programmes and risk management decisions. If they change their risk appetite or compliance requirements, your business adapts or loses customers.
Scale Limitations: Most payment providers aren't built for platform businesses. As you grow, you face increasing restrictions, higher fees, and more complex integration requirements that slow your expansion.
PayFacLite® eliminates these losses by putting you in complete control of your payment infrastructure whilst handling the complex regulatory and technical requirements behind the scenes.
Sub-Merchant Onboarding That Actually Works: Our automated onboarding system gets your sub-merchants accepting payments within 48 hours. Built specifically for UK regulatory requirements, the system handles KYC verification, risk assessment, and FCA compliance automatically. Your sub-merchants complete a streamlined application process entirely within your platform's interface.
Transaction Processing Built for Scale: Process unlimited transaction volumes with 99.9% uptime guaranteed. Our infrastructure handles peak loads without performance degradation, which means your busiest periods generate maximum revenue instead of system failures. Real-time transaction monitoring identifies and resolves issues before they affect your sub-merchants.
Automated Settlement and Reconciliation: Funds flow directly to your sub-merchants on your schedule - daily, weekly, or custom intervals. Our automated settlement engine handles split payments, fee calculations, and reconciliation reports without manual intervention. You maintain complete visibility into every transaction whilst your sub-merchants receive predictable, timely payments.
Comprehensive Compliance Management: FCA authorisation, PCI DSS compliance, and ongoing regulatory monitoring happen automatically. Our compliance team handles regulatory updates, audit preparation, and risk management protocols. You get the benefits of being a payment facilitator without hiring compliance specialists or navigating regulatory complexities.
Revenue Optimisation Through Data Control: Own every piece of transaction data flowing through your platform. Use this data to optimise pricing, identify growth opportunities, and build better products for your sub-merchants. Create new revenue streams through value-added services only possible when you control the payment infrastructure.
White-Label Integration: The entire payment experience carries your brand. Your sub-merchants interact exclusively with your interface, strengthening their loyalty and reducing the risk of them switching to competitors. Build deeper customer relationships when you own the complete transaction experience.
Step 1: Platform Integration (Week 1) Our technical team integrates PayFacLite® directly into your existing platform through our comprehensive API. The integration maintains your current user interface whilst adding payment facilitation capabilities behind the scenes. Your development team receives complete documentation and dedicated support throughout the integration process.
Step 2: Compliance Activation (Week 2-3) We handle your FCA authorisation and establish your payment facilitation infrastructure. This includes setting up your merchant identification numbers, configuring compliance monitoring systems, and establishing relationships with acquiring banks. You receive regular updates on progress without needing to manage regulatory communications directly.
Step 3: Sub-Merchant Onboarding Goes Live (Week 4) Your platform begins onboarding sub-merchants immediately. Each application flows through automated KYC verification, risk assessment, and approval workflows. Approved sub-merchants start accepting payments within 48 hours of application submission.
Step 4: Scale Operations (Ongoing) Monitor your payment operations through comprehensive reporting dashboards. Track sub-merchant performance, transaction volumes, revenue generation, and compliance metrics in real-time. Our support team provides ongoing optimisation recommendations and handles any regulatory requirements that emerge.
Stop sharing revenue with external payment providers. PayFacLite® gives you complete control over your payment infrastructure whilst eliminating the complexity of becoming a payment facilitator independently.
Our team handles the technical integration, regulatory compliance, and operational setup. You focus on growing your platform business whilst we ensure your payment infrastructure scales seamlessly.
Transform your platform into a revenue-generating payment facilitator. The longer you wait, the more revenue flows to external providers instead of your business.
Get Started With Your Payment Programme
We offer a 90-day risk-free implementation period. If our platform doesn't meet your requirements during the first three months, we'll refund your setup costs and help transition you back to your previous payment provider at no additional charge.
Most platforms reduce their total payment costs by 40-60% within the first year. Beyond direct savings, you'll generate new revenue streams through payment processing margins that typically add 15-25% to your annual recurring revenue.
Yes. We manage the entire migration process to ensure zero downtime for your sub-merchants. Our technical team coordinates the transition during off-peak hours and provides immediate support if any issues arise during the switch.
Our compliance team monitors all FCA and PCI DSS updates continuously. We implement required changes automatically and notify you of any updates that might affect your operations. You're never responsible for tracking or implementing regulatory changes independently.
New sub-merchants can start accepting payments within 48 hours of application submission. Our automated onboarding system handles KYC verification and risk assessment without manual intervention, ensuring consistent approval times even during high-volume periods.