PayFac-as-a-Service for Acquirers
Launch your platform play in months, not years
Your Merchants are being onboarded inside platforms you don’t connect to. Flowes gives you that platform on your own acquiring, live in months rather than a multi-year build with oversight of your entire book.
Build, buy or partner with a PayFac platform?
Partnering on PayFac-as-a-Service (PFaaS) is the fastest route to market, without committing years of roadmap to a build.
Go-to-market in months, not years
Launch on a Platform that is already live and certified, rather than adding another build to your product roadmap.
Reach Merchants where they already work
SMEs increasingly buy payments from their software providers - serve them without changing how you operate.
Keep partners as they grow
A partner can start on your licence and move to their own without leaving the Platform, or you.
Control risk and compliance
Every Merchant you sponsor is underwritten, screened and monitored to your risk appetite.
The future of payment facilitation
Own the Experience, Not the Complexity
Six pillars of payment ownership: new revenue, stronger Merchant relationships and a faster route to market.
PFaaS Platform for Acquirers
Everything you need to operate as a PayFac on one Platform. No separate systems to build, buy or maintain.
Partner enablement
Onboard ISOs, ISVs and PayFacs, and let them onboard Merchants under your licence. You see every Merchant they add, and every decision made along the way.
Oversight across every partner
See how each PayFac on your licence is performing. Transaction monitoring, underwriting decisions and fund flows across every entity, in one view.
Pricing and onboarding you control
Build and update the onboarding flows your partners use and set the pricing they can offer, without ongoing development cycles.
Multi-entity support
Run Virtual PayFacs on your licence and sponsored PayFacs on their own, from the same Platform.
How PayFac-as-a-Service works for acquirers
Integrate into the Platform
Flowes is live today, PCI DSS Level 1 and already certified with the card schemes Integrate once, rather than building and certifying your own.
Set your risk appetite
Define the underwriting and monitoring rules every Merchant is checked against.
Bring your clients onboard
The whole process is white-labelled so businesses deal with you directly. Meaning no disruption to their flow and a customer journey you control end-to-end.
Grow your book
Reach Merchants inside the software they already use, and scale on a Platform built to handle volume.
Ready to get started?
The platform layer your acquiring is missing, ready to switch on.
