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Most ISVs don't realise they're leaving up to 40% of their potential payment revenue on the table by relying on third-party processors instead of owning their payment flow.
Every transaction that passes through an external processor represents lost revenue, reduced control, and missed opportunities to create stickier customer relationships.
PayFacLite® is the payment processing platform that enables UK-based ISVs, SaaS companies, and platforms to become payment facilitators without the traditional barriers of compliance complexity, technical overhead, or massive upfront investment.
Trusted by over 200 UK businesses, our platform handles everything from sub-merchant onboarding to automated settlement, allowing you to focus on growing your core business whilst capturing the full value of every transaction.
Ready to reclaim your payment revenue? Book a free assessment call to see how much you could save.
Every day you operate without your own payment processing platform, you're bleeding money and missing growth opportunities:
Revenue leakage reaches 2-4% per transaction when you're paying processor margins on top of interchange rates.
For a platform processing £10 million annually, that's up to £400,000 in lost revenue that should be flowing to your bottom line.
Customer data remains locked away in external systems, preventing you from building sophisticated analytics and personalisation features that drive customer lifetime value.
You're essentially blind to the most valuable behavioural data your platform generates.
Merchant churn increases by 25% when payment processing feels disconnected from your core platform experience.
Every redirect, every separate login, every disjointed flow reminds your customers that they're using multiple systems instead of one cohesive solution.
Compliance becomes a moving target when you're dependent on external processors making policy changes that directly impact your business.
Platform owners report spending 15-20 hours monthly managing processor relationships and policy updates instead of building product features.
Competitive differentiation erodes as every platform in your category offers the same white-labelled payment experience.
Your unique value proposition gets commoditised when the payment experience looks identical to every competitor.
The UK payment facilitation market is expanding rapidly, with new entrants capturing market share by offering embedded payment experiences. Platforms that wait to build payment processing capabilities find themselves increasingly disadvantaged as customer expectations evolve.
PayFacLite® transforms your platform into a full-featured payment facilitator with capabilities that rival enterprise-level processors.
This means you capture processor-level economics whilst maintaining complete control over the merchant experience.
Our sub-merchant onboarding system automates KYC, credit checks, and compliance verification through direct integrations with Experian and Companies House.
New merchants can start processing within 48 hours instead of the typical 2-3 week wait times. You maintain full control over approval criteria and can customise the onboarding flow to match your platform's user experience.
The transaction processing engine handles card-present, card-not-present, and recurring payments across all major card networks and alternative payment methods including Open Banking and digital wallets.
Your merchants can accept any payment type their customers prefer without additional integrations or vendor relationships.
Real-time compliance monitoring automatically tracks transaction patterns, monitors for suspicious activity, and maintains PCI DSS compliance through tokenisation and secure data handling.
You reduce fraud risk whilst meeting all regulatory requirements without dedicated compliance staff.
Automated settlement services calculate merchant balances, deduct fees, handle reserves, and initiate bank transfers on customisable schedules.
Merchants receive predictable payments whilst you maintain healthy cash flow through intelligent reserve management.
The merchant portal provides transaction reporting, dispute management, and account settings through white-labelled interfaces that integrate seamlessly with your existing platform.
Merchants experience payment processing as a native feature rather than an external service.
Comprehensive APIs support everything from payment acceptance to merchant management, settlement reporting, and compliance data.
Your development team can build sophisticated payment features without starting from scratch.
Every component works together to create a payment processing platform that feels like an extension of your core product rather than a bolted-on service.
Don't let another month pass watching revenue leak to external processors.
Over 200 UK platforms have already made the switch to PayFacLite® and are seeing immediate improvements in revenue retention and merchant satisfaction.
Get your free revenue assessment: Our payment experts will analyse your current processing costs and show you exactly how much revenue you could reclaim with your own payment processing platform.
📞 Book a 15-minute call: Schedule your free consultation
📧 Get instant estimate: Email us your monthly processing volume for a same-day revenue projection
💬 Quick questions? Live chat with our payment facilitation specialists now
The longer you wait, the more revenue walks out the door. Take control of your payment processing platform today.
Transitioning to your own payment processing platform actually strengthens merchant relationships by providing better service and more competitive pricing. Our migration process includes merchant communication templates and dedicated support to ensure smooth transitions. Over 95% of merchants report improved satisfaction after their platform switches to PayFacLite®.
PayFacLite® scales automatically to handle volume spikes without service interruption or emergency upgrades. Our infrastructure processes billions in transactions annually with 99.9% uptime. You'll never face the embarrassing situation of declining transactions due to processing limits during your busiest periods.
Platforms typically achieve payback within 6-9 months through captured processing revenue and reduced external fees. Building equivalent capabilities internally requires 18-24 months and £500,000-£2 million in development costs. Most platforms see positive ROI within the first quarter of operation.
Regulatory compliance updates are included in your platform fee with no additional charges or development work required from your team. When new requirements emerge, we implement necessary changes across all platforms simultaneously. You'll never face surprise compliance costs or scramble to meet new regulatory deadlines.
Yes, PayFacLite® works with your preferred banking partners or can connect you with our network of acquiring banks for better rates. You maintain full control over banking relationships whilst gaining access to wholesale pricing typically reserved for large payment processors.