Hosted
Launch a custom payments proposition on your own domain.
- Suited to
- Teams that want to launch without building every interface from zero.
- Operating position
- PayFacLite® operates the regulated foundation.
The operating foundation behind the proposition you build.
PayFacLite® gives your team one governed technical and operating foundation for payments and financial services. You do not have to assemble every regulated, payments and operational capability yourself.
Bring the product, customer relationship and commercial proposition. PayFacLite® provides the platform, integrations and operating capability beneath it.
Built alone, this is four businesses.
A full payments and financial-services proposition requires more than a checkout or an API. It brings product, payment operations, regulated infrastructure and ongoing programme delivery together.
- Product and experience
- The proposition, interfaces and customer journeys that make the service recognisably yours.
- Payments and operations
- Onboarding, payment processing, settlement, reconciliation, support and service controls.
- Regulated foundation
- The infrastructure, programme structure and responsibilities required to operate within the applicable arrangement.
- Technical delivery
- The interfaces, integration, environments, observability and change process needed to keep the proposition moving.
PayFacLite® brings these layers together as one governed foundation, configured around the proposition you are building.
Technical delivery remains coherent across every operating model.
The customer experience and operating arrangement may change. The underlying platform, integration discipline and delivery controls remain connected.
Operated infrastructure
Embedded
Build the payments experience into your own product.
- Suited to
- Teams seeking complete control of product and architecture.
- Operating position
- PayFacLite® operates the regulated foundation.
Licensed infrastructure
PayFac
Run an agreed acquiring programme on licensed infrastructure.
- Suited to
- Payment organisations with an acquiring strategy or relationship.
- Operating position
- Operate within an agreed programme structure.
Acquirer
Operate the full platform on licensed infrastructure under your own permissions.
- Suited to
- Appropriately regulated organisations seeking greater control.
- Operating position
- Your organisation operates under its own regulatory permissions.
Hosted and Embedded define how payments appear in the experience. PayFac and Acquirer define the programme and operating arrangement beneath it.
Trust CentreYour proposition connects to one governed operating layer.
PayFacLite® connects the product experience your teams build to the operating capabilities required to deliver it, with clear interfaces and responsibility boundaries between each layer.
- 01
Your product
Customer journeys, proposition, brand and commercial experience.
- 02
PayFacLite® interfaces
Approved APIs, SDKs, signed webhooks, sandbox and implementation tooling, with integration support where applicable.
- 03
PayFacLite® operating layer
Onboarding, payment processing, risk controls, settlement, reconciliation, reporting and support capabilities.
- 04
Programme and partner configuration
The agreed programme structure, commercial setup, partner arrangements and applicable operating controls.
- 05
Customer, merchant and operating outcomes
The service, information and operational outcomes returned to the product and teams that own the relationship.
What each capability creates.
Capabilities are connected through one operating layer, and each exists to support a specific part of the proposition and programme.
Onboard and control
Configure who the programme serves and how decisions are governed.
| Capability | What it enables | Operating or commercial outcome |
|---|---|---|
| Onboarding | Application, data capture, status and activation inside your product, with KYC, KYB and AML run beneath it. | Activation stays inside your journey, so conversion and time to first payment are yours to shape. |
| Risk workflows | Verification, review and decision states connected to your product, with monitoring after activation. | Fewer stalled applications and a portfolio kept within agreed risk parameters. |
Onboarding
- What it enables
- Application, data capture, status and activation inside your product, with KYC, KYB and AML run beneath it.
- Operating or commercial outcome
- Activation stays inside your journey, so conversion and time to first payment are yours to shape.
Risk workflows
- What it enables
- Verification, review and decision states connected to your product, with monitoring after activation.
- Operating or commercial outcome
- Fewer stalled applications and a portfolio kept within agreed risk parameters.
Payments
Meet customers wherever they pay.
| Capability | What it enables | Operating or commercial outcome |
|---|---|---|
| Card-present | In-person card acceptance on compatible payment hardware, processed on the acquiring infrastructure. | Acceptance volume and the hardware estate become part of your portfolio. |
| E-commerce | Online acceptance for checkouts and hosted flows through the same contract. | Online volume joins in-person volume in one relationship and one commercial model. |
| Payment links | A payment requested and collected remotely without a checkout build. | Acceptance reaches transactions a checkout would never see. |
| Virtual payments | Take assisted payments remotely through a secure virtual terminal. | Meet customers wherever they pay. |
| SoftPOS | Compatible devices become acceptance points without dedicated hardware. | Acceptance extends to merchants a hardware estate would not reach. |
Card-present
- What it enables
- In-person card acceptance on compatible payment hardware, processed on the acquiring infrastructure.
- Operating or commercial outcome
- Acceptance volume and the hardware estate become part of your portfolio.
E-commerce
- What it enables
- Online acceptance for checkouts and hosted flows through the same contract.
- Operating or commercial outcome
- Online volume joins in-person volume in one relationship and one commercial model.
Payment links
- What it enables
- A payment requested and collected remotely without a checkout build.
- Operating or commercial outcome
- Acceptance reaches transactions a checkout would never see.
Virtual payments
- What it enables
- Take assisted payments remotely through a secure virtual terminal.
- Operating or commercial outcome
- Meet customers wherever they pay.
SoftPOS
- What it enables
- Compatible devices become acceptance points without dedicated hardware.
- Operating or commercial outcome
- Acceptance extends to merchants a hardware estate would not reach.
Operate the programme
Operate the service with clearer controls, evidence and accountability.
| Capability | What it enables | Operating or commercial outcome |
|---|---|---|
| Processing | Authorisation, capture and refunds on the acquiring infrastructure behind every transaction. | One processing relationship beneath every channel, with no separate gateway and acquirer to assemble. |
| Settlement | Settlement batches and payouts, with the state of each returned to your platform. | Settlement timing and visibility become part of the proposition you offer. |
| Reconciliation | Payments, refunds and fees matched to settlement, with exceptions surfaced. | Lower servicing cost and a portfolio you can see at transaction level. |
| Reporting | Transaction, settlement and portfolio reporting returned through the contract. | Portfolio visibility for pricing, servicing and growth decisions. |
Processing
- What it enables
- Authorisation, capture and refunds on the acquiring infrastructure behind every transaction.
- Operating or commercial outcome
- One processing relationship beneath every channel, with no separate gateway and acquirer to assemble.
Settlement
- What it enables
- Settlement batches and payouts, with the state of each returned to your platform.
- Operating or commercial outcome
- Settlement timing and visibility become part of the proposition you offer.
Reconciliation
- What it enables
- Payments, refunds and fees matched to settlement, with exceptions surfaced.
- Operating or commercial outcome
- Lower servicing cost and a portfolio you can see at transaction level.
Reporting
- What it enables
- Transaction, settlement and portfolio reporting returned through the contract.
- Operating or commercial outcome
- Portfolio visibility for pricing, servicing and growth decisions.
Value creation
Create more value from every relationship.
| Capability | What it enables | Operating or commercial outcome |
|---|---|---|
| Commercials | The activity across your merchant portfolio, reported per merchant and per programme. | A recurring share of the economics your platform creates, agreed for the programme. |
| Collections | Collect merchant fees and charges through settlement rather than relying on a separate manual process. | Create more value from every relationship. |
| Hardware | Payment hardware supplied and managed across the portfolio, by you or through PayFacLite®. | Revenue and margin on the estate, alongside acceptance. |
| Lending | Eligible finance offered to merchants through approved programmes. | A broader financial relationship and a further product line in the proposition. |
| Payouts | Funds moved to the merchants and parties your platform pays, on regulated rails. | Money movement extends the proposition beyond acceptance. |
Commercials
- What it enables
- The activity across your merchant portfolio, reported per merchant and per programme.
- Operating or commercial outcome
- A recurring share of the economics your platform creates, agreed for the programme.
Collections
- What it enables
- Collect merchant fees and charges through settlement rather than relying on a separate manual process.
- Operating or commercial outcome
- Create more value from every relationship.
Hardware
- What it enables
- Payment hardware supplied and managed across the portfolio, by you or through PayFacLite®.
- Operating or commercial outcome
- Revenue and margin on the estate, alongside acceptance.
Lending
- What it enables
- Eligible finance offered to merchants through approved programmes.
- Operating or commercial outcome
- A broader financial relationship and a further product line in the proposition.
Payouts
- What it enables
- Funds moved to the merchants and parties your platform pays, on regulated rails.
- Operating or commercial outcome
- Money movement extends the proposition beyond acceptance.
Availability depends on the programme structure, eligibility and applicable regulatory requirements. Lending and payouts are subject to eligibility and programme availability. Where a capability is AI-assisted, the rules, policy controls, review routes and accountability around every decision stay visible, and no decision is taken without them.
The product, operating layer and regulated boundary remain distinct.
- Partner team
- Product experience and proposition
- Customer or merchant relationship
- Commercial model and go-to-market
- Product roadmap and business priorities
- PayFacLite®
- Agreed platform and technical delivery
- Payments operating capabilities
- Integration support and programme tooling
- Operational capabilities defined by the arrangement
- Regulated entity
- Responsibilities retained under the applicable regulatory framework
- Permissions and safeguards relevant to the programme
- Regulatory accountabilities defined by the arrangement
The allocation is not identical across every operating model. Under the operated models PayFacLite® operates the regulated foundation; under the licensed models responsibilities follow the agreed acquiring programme or the organisation’s own permissions, and the arrangement is confirmed in writing.
Explore the Trust CentreA delivery route built around the business you are building.
The route is shaped by the proposition, operating model and programme structure, not by a generic implementation checklist.
- 01
Proposition
Define the relationship, product experience and commercial model.
- 02
Operating model
Identify the Hosted, Embedded, PayFac or Acquirer arrangement that fits.
- 03
Programme design
Confirm roles, controls, commercial structure and applicable responsibilities.
- 04
Integration
Connect the product, teams, workflows and approved interfaces.
- 05
Readiness
Validate operational processes, evidence, support and launch conditions.
- 06
Live operation
Run, monitor, improve and extend the proposition over time.
Acquiring infrastructure for international platforms.
Build and operate across the UK, Europe and the United States from a single governed PayFacLite® operating foundation.
United Kingdom
Regulated acquiring foundation
Europe
Infrastructure for multi-market propositions
United States
Infrastructure for international growth
Market availability depends on programme structure, product scope and applicable regulatory requirements.
- Verofy Ltd (trading as Verofy® Acquiring) — FCA Authorised Payment Institution
- PCI DSS Level 1
- Safeguarding in line with regulatory requirements
- United Kingdom
What will you build?
Keep control of the customer relationship, shape a proposition that’s yours, and create more value in your business. We’ll help map the right operating model.
A clear view of your platform route.
- Your proposition
- Who it serves and what it offers.
- The operating model
- Where the regulatory boundary sits.
- Delivery and integration
- How your team connects and goes live.