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Most ISVs unknowingly forfeit up to forty percent of their payment revenue to platforms that control their merchant relationships. When your payment facilitator owns your sub-merchant accounts, you're essentially paying rent on your own customers.
Trusted by over 200 UK platforms processing £2.3 billion annually
Ready to own your payment infrastructure? Book a free consultation to see how PayFacLite® can save you £80,000+ annually.
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When evaluating payment facilitation platforms, many ISVs focus solely on transaction rates. This narrow view costs them dearly. You lose control over your merchant relationships, pay inflated processing fees forever, and remain dependent on a single vendor's infrastructure.
Consider the mathematics: a platform processing £10 million annually through a traditional payment facilitator pays approximately £80,000 more in fees compared to owning their payment infrastructure. Over five years, this represents £400,000 in unnecessary costs.
Worse still, you cannot migrate your merchants easily. Your sub-merchant accounts belong to your payment facilitator, not you. Switching platforms means re-onboarding every merchant, disrupting their operations and risking customer loss.
The regulatory burden compounds these challenges. Traditional payment facilitators require you to comply with their specific requirements, often duplicating work you've already completed. This creates operational friction and delays time-to-market for new features.
PayFacLite® operates differently. Instead of becoming another middleman, we enable you to become the payment facilitator. You own your sub-merchant accounts, control your processing relationships, and retain full autonomy over your payment operations.
Our platform provides the infrastructure and compliance framework you need whilst maintaining your independence. You get FCA-regulated payment facilitation capabilities without surrendering control of your business.
Complete Sub-Merchant Onboarding Control
Our onboarding engine processes KYC verification, credit assessments, and compliance checks in 48 hours. The system integrates with your existing customer journey, maintaining your brand throughout the experience. Your merchants never interact with PayFacLite® directly – they see only your platform.
The onboarding API handles complex scenarios automatically. Sole traders, limited companies, and partnerships each follow appropriate verification paths. Risk scoring adapts to your business model, whether you serve restaurants, e-commerce platforms, or service providers.
Documentation requirements adjust based on merchant type and risk profile. High-risk merchants provide additional verification, whilst low-risk businesses complete onboarding with minimal documentation. This flexibility reduces abandonment rates compared to one-size-fits-all approaches.
Automated Settlement and Reconciliation
Settlement processing runs automatically across your entire merchant portfolio. Funds flow directly from acquiring banks to your merchants' accounts, with your platform fees extracted seamlessly. No manual intervention required for standard settlements.
Reconciliation reports provide transaction-level detail for every merchant. Your finance team receives comprehensive data for revenue recognition, dispute management, and audit trails. Integration with accounting systems eliminates manual data entry.
Split payment functionality supports marketplace business models. Commission splits, referral fees, and multi-party transactions process automatically based on your business rules. Complex revenue sharing becomes straightforward operational routine.
Comprehensive Compliance Management
PCI DSS compliance operates at platform level, protecting your merchants without individual certification requirements. Our Level 1 PCI certification covers your entire merchant portfolio, reducing their compliance burden significantly.
Fraud monitoring protects both your platform and your merchants. Machine learning algorithms identify suspicious patterns across your merchant network, blocking fraudulent transactions before they process. False positive rates remain below 0.8% through continuous algorithm refinement.
Regulatory reporting handles all FCA requirements automatically. Monthly reporting, annual compliance assessments, and audit preparations complete without your involvement. Our compliance team manages regulatory correspondence and maintains your authorised payment institution status.
Transparent Pricing Without Hidden Costs
Platform fees remain fixed regardless of your processing volume. You pay £299 monthly for unlimited sub-merchant accounts and transaction processing. No setup fees, no integration costs, no revenue sharing agreements.
Processing costs pass through at wholesale rates. You negotiate directly with acquiring banks, securing the best possible pricing for your business model. Interchange costs flow through without markup, ensuring you capture maximum revenue from every transaction.
Compare this to traditional payment facilitation platforms that typically charge 2.4% + 20p per transaction, plus monthly fees, plus revenue sharing. With PayFacLite®, you eliminate these ongoing costs while gaining complete control.
Stop paying rent on your own customers. Join over 200 UK platforms that have chosen independence over vendor lock-in.
Our implementation team will:
Book your free consultation today and discover how much you could save with true payment facilitation independence.
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Call our team directly: 020 7946 0020 | hello@payfaclite.com
Our service level agreement guarantees 99.9% uptime with financial penalties for breaches. Redundant infrastructure across multiple data centres prevents single points of failure. Your merchant processing continues uninterrupted even during scheduled maintenance windows.
Migration typically completes within four weeks, including full merchant portfolio transfer. We coordinate with your existing provider to minimise disruption during transition. Merchants experience no downtime when switching processing platforms.
PayFacLite® handles all regulatory compliance on your behalf through our FCA authorisation. You benefit from payment facilitation capabilities without direct regulatory obligations. Our compliance team manages FCA reporting, audit requirements, and regulatory correspondence.
Onboarding workflows fully customise based on merchant categories, risk profiles, and business models. Documentation requirements, approval thresholds, and risk scoring adapt automatically. Your platform maintains consistent branding whilst delivering appropriate experiences for each merchant segment.
Dedicated technical account managers guide integration from initial planning through live processing. Weekly progress reviews ensure project momentum whilst addressing technical challenges promptly. Post-launch support includes 30-day white-glove service with priority response times.