PayFac as a Service Platform: Launch Payment Facilitation Without Infrastructure Costs
Most ISVs and SaaS companies don't realise they're losing 30% of potential revenue by relying on third-party payment processors instead of becoming payment facilitators themselves. PayFacLite® delivers a complete PayFac as a Service platform that transforms your business into a payment facilitator without the traditional infrastructure headaches or regulatory burden.
Transform Payment Processing Costs Into Revenue Streams
Every transaction your sub-merchants process through external providers represents lost revenue opportunity. When you rely on traditional payment processors, you're essentially paying them to capture the interchange fees, processing margins, and value-added service revenue that should belong to your business. The hidden cost extends beyond direct fees. External processors control your merchant relationships, own the payment data, and can change terms without notice. This dependency creates vulnerability in your core business model whilst limiting your ability to offer competitive rates or innovative payment features to your customers. Our PayFac as a Service platform eliminates this revenue leakage by enabling you to capture the full economic value of payment processing. You maintain direct relationships with your sub-merchants, control pricing strategies, and build recurring revenue streams from every transaction processed through your platform.
Complete Payment Facilitation Infrastructure Without Technical Complexity
PayFacLite® provides everything needed to operate as a payment facilitator through a single, integrated platform. Our solution handles the technical complexity whilst you focus on growing your core business and maximising payment revenue. Automated Sub-Merchant Onboarding processes applications in under 48 hours. This means faster time-to-revenue for your customers and reduced operational overhead for your team. The platform performs automated risk assessments, compliance checks, and documentation collection, eliminating manual review processes. Real-Time Transaction Processing infrastructure handles high-volume payment flows with 99.9% uptime reliability. Your sub-merchants never experience payment disruptions that could impact their business operations. Our distributed processing architecture scales automatically during peak periods without requiring additional technical resources. Comprehensive Compliance Management maintains FCA regulations and PCI DSS requirements automatically. You avoid the substantial costs and expertise required to build internal compliance capabilities. The platform monitors regulatory changes and updates procedures automatically to maintain continuous compliance. Automated Settlement Services distribute funds to sub-merchants according to customisable schedules and hold requirements. You can offer competitive settlement terms whilst maintaining appropriate risk controls. The system handles reserve calculations, fee deductions, and dispute management without manual intervention.
Launch Your Payment Programme in Four Simple Steps Step 1: Platform Configuration -
Our technical team configures your PayFacLite® instance with your branding, fee structures, and business rules. This typically completes within 24 hours and requires minimal input from your development team. Step 2: Regulatory Setup - We handle FCA registration requirements and establish necessary banking relationships on your behalf. Our compliance experts manage the application process whilst keeping you informed of progress milestones. Step 3: Integration and Testing - Your developers integrate our APIs into your existing platform using our comprehensive documentation and sandbox environment. Most integrations complete within one week using our pre-built SDKs. Step 4: Go-Live and Onboarding - Begin onboarding sub-merchants immediately with full support from our customer success team. Start generating payment revenue from day one whilst we monitor performance and optimise configurations.
Proven Platform Trusted by Growing Technology Companies
PayFacLite® currently processes millions in monthly transaction volume for ISVs, SaaS platforms, and payment companies across the United Kingdom. Our customers report average revenue increases of 40% within six months of launching payment facilitation capabilities. With full FCA authorisation and proven regulatory compliance, PayFacLite® provides the security and legitimacy your business needs to operate confidently as a payment facilitator.
Ready to Capture Your Payment Revenue?
Every day you wait is revenue walking out the door. Your competitors are already capturing payment margins that should be yours.
Get started with PayFacLite® today
- Schedule a personalised demo to see exactly how much revenue you're missing
- Receive a custom revenue analysis showing your potential payment income
- Begin implementation within 48 hours of signing The first merchants and partners to complete our assessment this month receive 3 months of platform fees waived - worth up to 15,000 pounds in savings. Book Your Demo Now or email hello@payfaclite.co.uk Don't let another month of payment revenue slip away. Your PayFac as a Service platform is ready when you are.
Frequently Asked Questions
What happens if PayFacLite® doesn't deliver the promised results?
We offer a 90-day performance guarantee where you can exit the contract with full fee refund if the platform doesn't meet agreed performance metrics. Our success depends on your success, so we're committed to ensuring positive outcomes for every customer.
How much does it cost compared to building payment facilitation internally?
Internal development typically costs £500,000+ and takes 12-18 months before processing the first transaction. PayFacLite® eliminates upfront development costs and generates revenue within weeks, not years. The ROI comparison heavily favours our platform approach.
Can we maintain our existing merchant relationships during the transition?
Absolutely. Our migration process preserves all existing merchant relationships whilst gradually transitioning them to your new payment facilitation programme. Your merchants experience improved service levels without any disruption to their payment processing.
What level of technical expertise does our team need to manage the platform?
PayFacLite® requires minimal technical oversight once implemented. Our platform handles compliance monitoring, risk management, and operational tasks automatically. Most customers assign one team member part-time to manage merchant support and business development activities.
How quickly can we start onboarding merchants and generating revenue?
Most customers begin onboarding sub-merchants within 2-3 weeks of contract signature. Revenue generation starts immediately once the first merchants are approved and processing transactions. The fastest implementations go live within 10 business days.