Own payment facilitation from onboarding to settlement

A payment facilitator is a company that enables businesses (sub-merchants) to accept payments by onboarding them under a master merchant account rather than requiring each business to establish its own. The payment facilitator manages onboarding, underwriting, compliance, and settlement, and is registered with the card networks through a sponsoring acquiring bank.

Payment facilitation-as-a-service (PFaaS) allows software platforms to offer embedded payments and payment facilitation-like experiences without becoming a registered payment facilitator themselves. The provider handles the regulatory, compliance, and operational complexity, while the software platform retains control over the user experience.

Yes. PFaaS is purpose built for SaaS platforms and ISVs that want to embed payments and earn a revenue share without becoming a registered payment facilitator. It provides the APIs, SDKs, compliance infrastructure, and go-to-market resources needed to offer integrated payments (without taking on the regulatory overhead directly).

Yes. Our PFaaS model includes white-label merchant onboarding flows, underwriting, and ongoing risk monitoring—all managed by the platform. ISVs can offer an easy onboarding experience to their customers while the payments provider handles KYC/KYB verification, compliance, and liability management throughout the sub-merchant lifecycle.

Sub-merchant funding and payout flows are managed through our platform's settlement infrastructure. Transaction proceeds are aggregated, reconciled, and disbursed to sub-merchants according to configured payout schedules. Real-time reporting webhooks and dashboards provide visibility into funding status, and the platform supports both standard and accelerated payout options.

PFaaS is a full embedded payments infrastructure for ISVs (covering merchant onboarding, underwriting, compliance, settlement, and revenue share). This enables platforms to monetize transactions without becoming a registered payment facilitator. A marketplace payout tool focuses narrowly on disbursing funds to multiple recipients. PFaaS is broader, covering the entire payment lifecycle from collection through settlement.