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Most ISVs and SaaS companies don't realise they're leaving significant revenue on the table by relying on third-party payment processors. Every transaction processed through external providers means lost margin, reduced control, and missed opportunities for customer retention.
PayFacLite® changes this dynamic entirely. Our payment processing platform enables UK-based businesses to become payment facilitators, taking control of their entire payment ecosystem whilst maintaining compliance and reducing technical complexity.
Trusted by over 150 organisations across the UK, PayFacLite® processes millions in transactions monthly through our FCA-regulated infrastructure. From fintech startups to established SaaS platforms, businesses choose our platform because it transforms payment processing from a cost centre into a revenue driver.
Every month you operate without your own payment programme, you're losing more than just processing fees. You're losing strategic control over your customer relationships, missing revenue opportunities, and limiting your ability to innovate around payments.
Consider the mathematics: if you're processing £500,000 monthly through external providers at typical rates, you could be retaining an additional £8,000-£15,000 per month in margin alone by operating your own payment facilitation programme.
That doesn't account for:
The switching cost grows exponentially as your transaction volume increases. What costs you £10,000 monthly at £1 million in processing becomes a £50,000 monthly opportunity cost at £5 million.
The longer you wait, the more expensive inaction becomes.
PayFacLite® provides everything you need to operate as a payment facilitator without building infrastructure from scratch. Our payment processing platform handles the complex regulatory requirements, technical integrations, and operational processes that typically require years to develop independently.
Our intelligent onboarding system verifies and approves sub-merchants in under 48 hours, compared to industry averages of 7-14 days. The system automatically conducts KYC checks, risk assessments, and compliance verification whilst providing real-time status updates to your customers.
Process payments through multiple acquiring relationships with automatic routing based on transaction characteristics, merchant risk profiles, and cost optimisation rules. Our processing engine maintains 99.97% uptime and handles transaction volumes from thousands to millions per month.
Maintain FCA compliance through automated monitoring, reporting, and risk management systems. Our platform continuously monitors transactions for suspicious activity and ensures your programme meets all UK payment services regulations without manual intervention.
Automated settlement processing distributes funds to sub-merchants based on configurable rules whilst retaining platform fees and managing reserve requirements. The system handles split payments, refunds, chargebacks, and dispute management through integrated workflows.
Gain complete visibility into your payment programme performance through comprehensive dashboards covering transaction metrics, merchant performance, revenue analytics, and compliance status.
Step 1: Programme Setup (Week 1) We configure your payment processing platform including acquiring relationships, compliance frameworks, and technical integrations. Your dedicated implementation manager guides you through sponsor bank arrangements, FCA registration support, and initial system configuration.
Step 2: Integration Deployment (Week 2-3) Integrate our APIs into your existing platform using comprehensive documentation and development support. Our technical team provides white-glove assistance ensuring seamless integration without disrupting your current operations.
Step 3: Go-Live and Optimisation (Week 4) Launch your payment facilitation programme with full monitoring and support. We provide ongoing optimisation recommendations to maximise revenue retention and operational efficiency.
Every day you delay implementing your own payment processing platform costs you money. With PayFacLite®, you can be processing payments and retaining margin within 30 days.
Ready to see how much revenue you're leaving on the table?
[Get Your Revenue Analysis] - Calculate your potential monthly savings in under 2 minutes
[Book a Demo] - See PayFacLite® in action with your specific use case
[Download Technical Specs] - Review integration requirements and API documentation
Or call our payment specialists directly: 0800 123 4567
Join 150+ UK businesses already maximising their payment revenue with PayFacLite®.
We offer a comprehensive 60-day evaluation period where you can test the platform with live transactions whilst maintaining your existing payment setup as backup. If our platform doesn't meet your requirements, we'll help you transition back to your previous setup at no additional cost.
PayFacLite® manages all regulatory requirements through our established relationships with sponsor banks and direct FCA oversight experience. We handle the application process, maintain ongoing compliance monitoring, and provide regular regulatory reporting without requiring internal regulatory expertise.
Most clients see positive ROI within 90 days due to improved processing margins and reduced operational overhead. We provide detailed cost analysis during evaluation, including transparent pricing for all services with no hidden fees.
Typical implementations complete within 30-45 days from contract signature to first transaction. This includes all regulatory setup, technical integration, and initial merchant onboarding with weekly progress updates throughout the process.
Implementation requires approximately 20-30 hours of developer time for API integration, plus ongoing support for merchant-facing features. Our platform handles all complex payment processing, compliance monitoring, and settlement operations automatically.