Payment Infrastructure for Payment Facilitators (PayFacs)

Optimize your payments processing with a modern technology partner that enables fast, reliable transactions, supported by industry leading uptime. Configure your specific payment needs with our tools to help you simplify and manage settlements, disputes, fees, and more.

Build and Scale Your Payment Facilitator Program

Finix’s platform was built for PayFacs, and we continue to iterate and enhance features for their complex needs, making new features available via API for those who want complete control over their customer experience, and via the dashboard for those who want to move faster. By partnering with Finix, PayFacs maintain control while leveraging our payments technology.

Benefits for PayFacs include:

• The ability to create a configurable and highly customized, white labeled payments experience for merchants
• Optimized payments revenue with custom merchant fees
• Onboarding and managing merchants at scale
• Managing merchant payouts and disputes from your company dashboard

Payments technology you can count on

The Finix API handles billions of calls every year with industry leading uptime of 99.999%. Our payments tech is built with multiple failsafes in place to help ensure your transactions are successful.

Each PayFac’s needs are unique, which is why we built with optionality in mind. There are hundreds of ways to configure our platform to serve the unique needs of your business and that of your customers. With these flexible API configurations, you can create the customer experience you want with white labeled, embedded payments technology you can count on. Our APIs are intuitive, making implementation and maintenance a breeze.

Optimize your payments profit margin

You can leverage our custom fee profiles that cater to your customers’ various payment needs and methods. From your dashboard, set up fees for specific sellers, and we’ll automatically apply those fees to their transactions.

• Set ACH fee minimums and maximums
• Add international card fees
• Utilize dynamic pricing that flexes up and down with the transaction interchange rate

Manage Merchant Payouts and Settlement Schedules

Select your payout preferences per merchant. Settlement options include:

• Net or gross payouts
• Daily or monthly payouts
• ACH/EFT cadence - slow it down or speed it up
• Fee management

Onboard more merchants, faster

Finix’s Merchant Underwriting solution helps you reduce time to decision and grow your business with automated underwriting workflows.

Easily collect merchant information, source risk data, automate decisioning and efficiently manage cases in a single place.

Reporting and more for operations and finance power users

The Finix dashboard was built with payment operations users in mind. Get access to reporting with visibility down to the transaction level, manage disputes, configure your settlements per merchant, and so much more.

Download or export your reports any time, filtering only the data you want to see:

• Dispute reporting: won, lost, and expired
• Funding instructions: successful and failed
• Authorizations: successful and failed
• Settlement reports: including not yet funded settlements
• Transactions: including reconciliation, exceptions
• Interchange reports

Dedicated partners in growing your business

Interested in a becoming a PayFac? If you’re not already a payment facilitator, and think your company might be on the path to PayFac, we provide dedicated support and education to determine which payments strategy is right for you.

Hear from our customers

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If you’re invested in your customer experience and you want a reliable partner that you can count on, it’s Finix!

KJ Singh | CEO and Co-Founder | Sublime

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We started as a very small line of business team, but we quickly realized that payments were so core to our business, that we needed every department across the organization to adopt the mentality that we are not only a mobility company, we are also a payments company.

Kate Bothe | Passport

Explore payFac insights

• What Every Business Owner Gets Wrong About PayFacs
  You’ve probably heard that becoming a Payment Facilitator (PayFac) is the ultimate shortcut to owning your payments stack, unlocking new revenue, and scaling faster. It’s tempting to think of the PayFac model as a plug-and-play solution, just flip the switch, and start earning on every transaction. But here’s the truth: while the PayFac model holds massive upside, most business owners underestimate the responsibilities, hidden costs, and compliance rigor that come with it. From shared liability and reserve capital requirements to interchange unpredictability and fraud exposure, being a PayFac means stepping into a highly regulated ecosystem governed by card networks, sponsor banks, and ever-changing compliance expectations. Misunderstanding these fundamentals can result in lost revenue, reputational risk, or worse, program shutdowns. This guide cuts through the hype and dives into what the PayFac model actually entails. We’ll decode the tech stack, clarify common myths, and reveal how modern platforms like Finix make it possible to embed payments while maintaining control. Along the way, we’ll highlight what sets Finix apart, including our 99.999% uptime, configurable risk infrastructure, and same-day onboarding capabilities, so you can decide what level of payments ownership is right for your business. Start your path to payments ownership today.

  Full Article

• Understanding the Payments Layer Cake
  Today, it seems everyone from traditional corporations to challenger, neo-banks wants to offer customers a card, lending, or faster access to their funds. Now that technology has finally arrived to financial services, legacy financial institutions are rethinking service delivery as new models and businesses emerge. An overview of the infrastructure underneath the payments that power our lives helps to paint a clear picture of how financial institutions work together to move money through this complex network.

  Full Article

• The Evolution of Integrated Payments: Payment Facilitation
  The payment facilitation model emerged in response to the limiting capacity that ISOs (Independent Sales Organizations) offered merchants in the early 1990s. For businesses processing millions of dollars in transaction volume annually, the one-size-fits-all solutions provided by ISOs weren’t designed to meet the specific needs of any given business vertical.

  Full Article

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