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The Best FinTechs for PayFac-as-a-Service: Because DIY is Overrated

USIO

Becoming your own Payment Facilitator (PayFac) sounds greatuntil you realize its a regulatory nightmare , a financial black hole , and takes longer than your last DIY home improvement project (which, lets be honest, is still unfinished). So, which fintechs offer the best PayFac-as-a-Service? Lets break it down.

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Glossary: 117 software-led payments terms to know

Payrix

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. eCheck, PayPal, etc.)

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Master merchant: Definition, types, and examples

Payrix

Access to technology: sub-merchants benefit from an integrated payment solutions, such as point-of-sale systems or online payment gateways, provided by the master merchant. Reduced complexity: the master merchant takes care of compliance, fraud, and chargeback management, among other things, lessening administrative burden on sub-merchants.

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The Top 8 Embedded Payment Processors of 2025

USIO

Clearent (Xplor Pay) Clearent, now part of Xplor Technologies, has strong roots in ISV partnerships and offers competitive interchange-plus pricing. Finix Finix is popular with platforms that want Stripe-level control without becoming a PayFac. Can be difficult to navigate if you’re not a major account. Support Rating: 3.5/5

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Integrated payments: Definition, types, and examples

Payrix

Software companies that want to integrate payments can do so by finding a payments provider that offers payment processing capabilities and technology that can be seamlessly integrated into the platform experience. Platform technology: Leverage technology that can transform your platform 2.

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Payment processor: Definition, types, and examples

Payrix

The most successful payment processors bring these third-party technologies and services together seamlessly to facilitate the transaction with simplicity, speed, and security. But at the most basic level, this is how the payment processor is involved in a credit card transaction: 1.

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Software-led payments: What’s on the horizon for platforms in 2025? | Episode 46

Payrix

Technological evolution : The foundations laid in recent years are expected to yield transformative advancements in Embedded Finance and platform regulation. He also highlighted the growing sophistication of fraud driven by AI, urging software platforms to choose partners who prioritize advanced fraud prevention technologies.

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