PayFac-as-a-Service Platform
Run a PayFac without building the infrastructure
Underwriting, monitoring, risk controls and settlement on one Platform. Onboard Merchants quickly, and evidence every decision when needed.
Everything you need to run a PayFac
All of the capabilities a PayFac needs to operate – working together, in a single Platform.
Go live in weeks, not years
Building your own infrastructure takes 12–18 months. Launch on a Platform that's already built and running PayFacs today.
Earn across the whole chain
Fees, commissions and billing across your Merchants and the partners who introduce them, in one place.
Prove compliance on demand
Every approval, check and payout is recorded, so your audits are simplified with easy-to-access data.
Scale the book, not the operation
Taking on more Merchants doesn’t mean rebuilding your risk and compliance function around them.
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.
Onboard, control and settle. In one Platform.
Everything you need on one Platform. No separate systems to build, buy or maintain.
Customised onboarding
Build your own onboarding journeys with hosted or embedded forms, electronic contracting, business and identity checks based on your criteria.
Financial risk controls
Apply reserves, hold collateral and set limits across your portfolio, with monitoring and compliance checks run continuously in the background.
Settlement on your terms
Funds are held securely, settlements scheduled per Merchant or Merchant group by you, and payouts split across each party in the chain.
How PayFac-as-a-Service works with Flowes
Merchants are onboarded through flows you configure yourself, with identity, business and sanctions checks and the decision recorded against each account.
Approved Merchants start taking payments straight away, on your gateway and under your brand.
Transaction monitoring and compliance checking run continuously, and you can hold funds against Merchants who carry more risk.
Client funds are safeguarded, settlement runs to your schedule, and reporting is available on demand or scheduled.
