Stax

JANUARY 8, 2024

For SaaS companies, becoming a payment facilitator (or PayFac) offers a ton of advantages—including but not limited to—boosting retention and profitability while exercising greater control over the customer experience. However, several complex types of risks come along with this.

Merchant Services 88

Merchant Services Payfac Payment Services SaaS Payments 88

Agile Payments

SEPTEMBER 7, 2021

PayFac or Payment Facilitation enables software platforms to both brand and monetize payment processing offerings while at the same time offering instant, hassle-free customer payments onboarding.

Payfac 88

Payfac Business Model Payment Services Payments 88

USIO

JUNE 24, 2025

Stripe Stripe is widely admired for its developer tools, API depth, and brand power. Finix Finix is popular with platforms that want Stripe-level control without becoming a PayFac. Built for Compliance : PCI Level 1, SOC II, Nacha certified — backed by in-house regulatory teams. Limited by the narrower feature set.

Payments 100

Payments Payment Services Embedded Payments Merchant Services 100

Payrix

MARCH 20, 2024

Payment facilitation (PayFac) Today, many software companies have a pulse on the opportunities of becoming a payment facilitator, also referred to as a PayFac® developer. Within this model, customers of software companies can fully experience embedded payment acceptance and brand continuity offered within a single platform.

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Payments Embedded Payments Payment Services Payment Solutions 147

Stax

FEBRUARY 15, 2024

In this article, we’ll break down two popular terms used in the payment processing industry—ISV and PayFac —and see what they exactly mean. There are two main ways that an ISV can become a payment provider—by adopting the ISO model or the PayFac model. What Is an ISV vs PayFac?

Payment Services 88

Payment Services Merchant Services SaaS Payments Payment Methods 88

Payrix

APRIL 10, 2025

in interchange fees (which will vary by card brand) and 0.2% By leveraging Payrix Pro , our PayFac-as-a-Service solution, this software platform was able to achieve their vision quickly all while delivering a superior product and customer experience. Going a layer deeper, if your processing cost is made up of roughly 1.8%

Payments 100

Payments Payment Services Outsourcing Services Payment Solutions 100

Payrix

NOVEMBER 19, 2024

By adding payments into their software offering, companies can build stronger relationships with their customers and enhance their brand perception. Many software companies focus on the commercial aspect right out the gate: How do I increase profits or extend my brand through payments? Brad, let’s set the stage for everyone here.

Payments 130

Payments Embedded Payments Payment Solutions Payment Services 130

Stax

MAY 23, 2025

Everythingfrom the payment form to transaction processinghappens under your brand. Behind the scenes: key components of integrated payments In order for integrated payments to work, youll typically integrate with a payment gateway or payment facilitator (PayFac). Are there white-label or PayFac-as-a-Service options?

Payments 88

Payments Payment Services Merchant Services SaaS Payments 88

Stax

APRIL 3, 2025

This requires the merchant to become a registered payment facilitator or PayFac. A PayFac is a payment service provider for eCommerce merchants. On top of being a new pillar of revenue for your business, the PayFac model also gives you more control. This is considerably faster compared to a traditional merchant account provider.

Payment Methods 88

Payment Methods Merchant Services Payment Solutions Payment Services 88

Payrix

FEBRUARY 4, 2025

Examples of integrated software vendors Inktavo is a software provider for the printing, promotional product, and branded merchandise industries. On the other end of the spectrum is payment facilitation (PayFac). Perched in the middle of those two models is payment-facilitation-as-a-service (PayFac-as-a-Service).

Payments 100

Payments Payment Services Merchant Services Payment Solutions 100

Payrix

JULY 17, 2024

It offers opportunities to remove any points of friction, maintain brand continuity, and design and deliver an ideal overall user experience at every stage — from onboarding to ongoing customer support. Step 5: Optimize the user experience This is where the real magic happens.

Merchant Services 130

Merchant Services Payment Services Payments Payment Solutions 130

Payrix

JULY 24, 2024

An overview of the Payrix Embedded Payments solution Embedded Payments come in various forms, but customers of Payrix have specifically sought out our PayFac-as-a-Service solution for its perfect balance of customization, control, and time-to-value.

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Payments Embedded Payments Merchant Services Payment Services 130

Subscription Flow

NOVEMBER 7, 2023

To simplify the intricacies of payment processing, two well-known solutions have surfaced: Payment Facilitators (PayFacs) and Merchants of Record (MoRs). Understanding Payfac vs Merchant of Record Payment Facilitators (Payfacs) and Merchants of Record (MoRs) are two different ways to process payments.

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Merchant Services Payment Services Payment Facilitation Payfac 59

Payrix

APRIL 3, 2024

What is a PayFac® developer? As a PayFac developer , software companies become their own payment facilitator , and therefore, can offer payment processing services directly to their merchants. We will explore the risk s in more detail in the next section. What is PayFac-as-a-Service?

Payment Services 100

Payment Services Merchant Services SaaS Payments Payment Facilitation 100

Payrix

FEBRUARY 4, 2025

Do you find yourself listening to industry leaders and colleagues use terms like PayFac, PCI DSS, and tokenization and casually scratching your head in confusion? Payment facilitator (PayFac) A merchant registered by an acquirer to facilitate transactions on behalf of sub-merchants. Youve come to the right place.

Payment Services 100

Payment Services Merchant Services Payment Solutions Payment Methods 100

Payrix

JULY 23, 2024

This engaging conversation provides valuable insights into the evolving landscape, with Ian and Renn tackling important questions, like: What are the benefits of implementing a PayFac-as-a-service model? And so, we chose to do a PayFac-as-a-service, or “PayFac in a box,” if you’d like. Ian Hillis That’s really helpful.

Payments 100

Payments Payment Solutions Finance Payment Services 100

Stax

JANUARY 17, 2024

TL;DR A payment facilitator (PayFac) is essentially a SaaS vendor or software provider that enables its users (businesses) to accept online payments from their customers through the platform itself. An ACH payment facilitator, therefore, is simply a PayFac that allows users to accept payments through an electronic bank-to-bank network.

Payment Services 88

Payment Services SaaS Payments Merchant Services Payment Facilitation 88

Stax

JANUARY 22, 2024

TL;DR Payment gateways and PayFacs are both players in the digital payment process with similar goals in mind: secure and low-risk payments while providing seamless, fast, and positive customer experiences. A PayFac, by contrast, handles the bank’s interaction with a number of merchants. What is a Payment Facilitator (or PayFac)?

Payment Services 88

Payment Services SaaS Payments Merchant Services Payment Facilitation 88

Payrix

JANUARY 28, 2025

That could be brand, that could be how the SMB interacts with the consumer. We were the original author of the PayFac model on the trademark. While they don’t have scale and they may not have a brand, they may not have a mark, they’ve got an unfair advantage starting from scratch with it. Plug, plug, plug.

Payments 130

Payments Payment Solutions Merchant Services Payment Methods 130

Payrix

FEBRUARY 4, 2025

The decision can impact more aspects of your business and your brand than you may realize, which can directly affect your relationship with your customers. Listen now Events Driving growth through seamless payments implementation Watch this on demand webinar to learn strategies for a friction-free launch of PayFac-as-a-Service.

Payment Services 100

Payment Services Payments Merchant Services SaaS Payments 100

Natalia Luneva

APRIL 24, 2025

The number of Payment Facilitators (PayFacs) has grown 13.8% PayFac as a Service lets companies add payment processing to their platforms. Key Takeaways PayFac as a Service reduces PayFac setup time from years to days, slashing costs by millions. PayFacs, on the other hand, let businesses use a master account.

Merchant Services 40

Merchant Services PayFac as a Service Payment Services Marketplace as a Service 40

Payrix

JANUARY 30, 2024

Its payfac-as-a-service solution — Payrix Pro — enabled Nick to control the onboarding and customer service, while Payrix managed the processing, compliance, and most of the risk and liability. Maintaining control over the customer experience is also crucial to the fitDEGREE brand. I’m a studio management company.

Payment Services 130

Payment Services Payments Merchant Services Payment Solutions 130

Stax

AUGUST 26, 2024

Olson recalls brainstorming with the founders to establish the company’s brand voice. “I walked them through a lot of fun thought exercises to pinpoint our brand voice, one being ‘If Fattmerchant (Stax) were a celebrity, who would they be?’” We have wanted to be our own processor—a brand name in the industry.

Payment Services 88

Payment Services Merchant Services Stax Payment Solutions 88

Stax

DECEMBER 20, 2023

This is where merchant underwriting comes in—merchant account underwriters check if new merchants meet the guidelines set by the bank and card brands. This is where merchant underwriting comes in—merchant account underwriters check if new merchants meet the guidelines set by the bank and card brands.

Merchant Services 88

Merchant Services Payment Services SaaS Payments Payments 88

Payrix

DECEMBER 10, 2024

Software companies will also have greater control of the payment experience and in turn, opportunities to create a more simplified, streamlined, on-brand, and ideal customer experience that leads to better acquisition and retention outcomes. The right partner will offer ongoing support and guidance throughout their software payments journey.

Payment Services 100

Payment Services Merchant Services Payments Payment Solutions 100

USIO

MAY 13, 2024

Simply a business will send a customer a designated QR code through the mail made by Usio and a customer will use their mobile device to scan and it will take them right to the branded payment section eliminating any use of having the customer to navigate a confusing website.

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Payment Methods Payment Services Payments Payment Solutions 264

Stax

MAY 6, 2024

Garrek says it best: “PCI compliance is a series of requirements put forth by the card brands that every merchant who wants to accept credit cards has to adhere to. The importance of PCI compliance PCI DSS applies to any organization—small businesses, payment processors, payment gateways, ISOs, PayFacs, and more.

Payment Services 88

Payment Services Merchant Services compliance SaaS Payments 88

USIO

APRIL 17, 2025

Thats where Payfac-as-a-Service comes in. What Is Payfac-as-a-Service? A traditional payment facilitator (Payfac) takes on the full burden of underwriting, onboarding, compliance, and payment processing. Payfac-as-a-Service flips the script. Why Business Owners Are Choosing Payfac-as-a-Service 1.

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USIO

APRIL 23, 2025

A white-labeled, fully branded experience makes your product feel more premium. Time to Market Becoming a registered PayFac can take over a year and cost more than $1M. Chapter 3: Key Factors to Consider When Embedding Payments Before you dive in, here are a few things to think about: Do You Want to Own the Experience? Others dont.

Payments 130

Payments Embedded Payments Payment Services SaaS Payments 130

USIO

MAY 7, 2025

With just a few SDK integrations, the partner became a full-fledged PayFac in weeks , not months. The Usio Embedded Payments Platform: A Game-Changer The Usio solution provided everything: merchant onboarding, compliance, PCI, and underwritingall through a white-labeled platform. There was no upfront costjust new revenue.

Payment Services 130

Payment Services Merchant Services Payments SaaS Payments 130