PayFac-as-a-Service vs Full Payment Facilitation: A Developer’s Guide
USIO
JUNE 9, 2025
You get: Full control over your users’ payment experience Ownership of the financial relationship Deeper data and monetization opportunities But also: Regulatory burden Risk and compliance headaches 12+ months of build time ~$1M+ upfront cost What Is PayFac-as-a-Service? Stripe doesn’t offer true PayFac. You take the risk.
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