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PayFac-as-a-Service vs Full Payment Facilitation: A Developer’s Guide

USIO

You’re here because someone—maybe your CEO, maybe your investor, maybe your gut—told you that owning payments could be a game-changer for your platform. But here’s the part that gets glossed over: how you own payments matters. Should you become a full Payment Facilitator (PayFac)? They’re right. You control the flow.

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Payment processor: Definition, types, and examples

Payrix

What is a payment processor? A payment processor facilitates the flow of transactions typically made with credit cards, debit cards, and other digital payments. But at the most basic level, this is how the payment processor is involved in a credit card transaction: 1.

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Payfac-as-a-Service: A Smarter Way to Handle Payments at Scale

USIO

The embedded finance market—including Payfac-as-a-Service—is projected to exceed $7 trillion in global transaction volume by 2030. I f you’re running a SaaS platform, marketplace, or digital-first business, you’ve probably already bumped into the complexities of payment processing. The compliance. It’s seamless.

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Payment Facilitator: Definition, FAQ, and examples

Payrix

What is a payment facilitator? A payment facilitator (or PayFac) is a software platforms all-in-one payment processing solution. Instead of your customers needing to create their own merchant account to process payments, you as the PayFac developer handle all the payments setup and complexity for them.

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The Next Evolution in Subscriptions and Recurring Payments

Discover how recurring payments are reshaping industries beyond simple subscriptions, driving a $1.5 Learn the crucial strategies for building scalable, secure, and seamless recurring payment infrastructure to boost customer retention and fuel growth. Rise to the next level of recurring revenue. trillion market.

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The Top 8 Embedded Payment Processors of 2025

USIO

Embedded payments have become the financial backbone of modern SaaS, fintech, and marketplace platforms. In 2025, choosing the right embedded payment processor is about more than just rates and APIs — it’s about revenue share potential, support quality, payout flexibility, and long-term partnership.

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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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SaaS Business Fundamentals: How Decline Codes Impact Failed Payment Recovery

A failed payment isn't just a lost transaction - it could mean a customer churning for good. But not all payment declines are the same. For SaaS businesses, decline reasons vary, shaped by customer demographics and the nature of your service.

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The Path to Payment Control: How SaaS Companies Can Maximize Enterprise Value

A key factor in achieving these goals is having a solid integrated payment strategy in place — one that allows for control, ownership, and leverage over customer relationships and payment service contracts. For software company executives, maximizing revenue, profitability, and enterprise value is of utmost importance.

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Evolving with Confidence: A Dynamic Approach to Integrated Payments in SaaS

Navigating the world of integrated payment strategies can be daunting, particularly for software companies seeking to make informed decisions. Unfortunately, many companies approach integrated payments with a rigid, inflexible mindset. With countless options and potential pitfalls, the fear of making a costly mistake can be paralyzing.

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A SaaS Executive’s Guide to ISO Types and Registration

In the ever-changing world of SaaS, keeping up with the latest trends in payment strategy is vital for success. Embedded payments have become the go-to for seamless transactions within software, but choosing the right model can make or break your business.

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How Clinic Sense Reduced Churn and Unlocked More Revenue

ClinicSense is a SaaS platform that supports over 7,000 massage therapists who use it for appointment management, payments, scheduling, marketing activities and more. Despite having a relatively low payment failure rate, the company discovered that the failures disrupted the customer experience.

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SaaS Payments 101: Roadmap for Monetizing Payments

Embedded solutions have taken the software industry by storm and disrupted the traditional distribution network for financial services, like payment processing. The payment facilitation (payfac) model and partnership offerings create a near- and long-term roadmap for SaaS growth and transformation.

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Payment Facilitation: A How-To Guide

Discover what B2B SaaS needs to know to become a Payment Facilitator. This guide includes: Earning Revenue from Payments Bank Sponsorship, Underwriting Risk Requirements In depth Descriptions of Staff Requirements Detailed Timeline Itemized Cost List Case Study And more!

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SaaS CX: The Optimal Failed Payment Recovery Strategy

Customers are the lifeblood of your SaaS business, and keeping them for as long as possible is essential for long-term success. But this relationship can be at risk if their credit card payment fails. Maintaining a positive customer experience during payment recovery is key to minimizing churn and improving retention.