Payment Facilitation Pricing Without Hidden Infrastructure Costs
Most ISVs don't realise they're leaving thousands on the table every month by building payment infrastructure from scratch when they could be launching revenue-generating payment programmes in 48 hours instead. merchants and partnersUK businesses** | FCA regulated | 99.9% uptime guaranteed
Stop Bleeding Capital on Infrastructure You Don't Control
Every month you delay launching your payment facilitation programme, you're losing compound revenue that your competitors are capturing. While you're wrestling with compliance frameworks, building settlement systems, and managing banking relationships, established payment facilitators are onboarding sub-merchants and collecting transaction fees. The harsh reality? Building payment facilitation infrastructure costs between 500,000 pounds and 2 pounds million upfront, plus 18-24 months of development time. Meanwhile, your addressable market shrinks as competitors establish market position. You lose more than money. You lose:
- First-mover advantage in your vertical
- Revenue from existing customers who need payment processing
- Talent focused on core product development instead of compliance paperwork
- Credibility with prospects who expect embedded payments as standard
- Sleep, wondering if your homegrown settlement logic will break at scale The opportunity cost compounds daily. Every sub-merchant that chooses a competitor represents recurring revenue you'll struggle to reclaim.
PayFacLite® Delivers Payment Facilitation Without Infrastructure Overhead
PayFacLite® eliminates the technical barriers preventing ISVs from launching profitable payment programmes. Our platform handles sub-merchant onboarding, transaction processing, compliance management, and automated settlement - which means you focus on growing revenue whilst we manage regulatory complexity. Our payment facilitation pricing starts at for platforms processing up to 100,000 pounds monthly volume. This includes:Complete onboarding infrastructure** - Automated KYC, risk assessment, and underwriting workflows that reduce manual review time by 85%. Your sub-merchants get approved in hours, not weeks, which means faster time-to-revenue and improved conversion rates. Real-time transaction processing- Direct integration with UK acquiring banks and payment networks. We handle authorisation, capture, settlement, and reconciliation across all major card schemes, which means your sub-merchants receive funds within 24 hours instead of the industry standard 3-5 days.Automated compliance management- Built-in AML monitoring, PCI DSS compliance, and regulatory reporting that adapts to changing FCA requirements. Our system flags suspicious transactions automatically and generates compliance reports, which means you avoid costly regulatory penalties and maintain your payment facilitation licence.White-label settlement engine - Branded payment processing that appears under your company identity. Sub-merchants see your logo on statements and communications, which means you build direct relationships whilst benefiting from enterprise-grade infrastructure. **Comprehensive reporting suite- Transaction analytics, revenue tracking, and performance metrics accessible through API or dashboard. You get granular visibility into sub-merchant behaviour and programme performance, which means data-driven optimisation of your payment offering. The platform scales automatically as your volume grows. Processing fees decrease with volume, starting at 0.35% plus interchange for transactions under 100,000 pounds monthly, dropping to 0.15% plus interchange for volumes exceeding 1 pounds million monthly. Unlike building internal capabilities, PayFacLite® provides immediate access to established banking relationships, pre-negotiated interchange rates, and proven compliance frameworks. You benefit from economies of scale typically available only to large payment processors.
How PayFacLite® WorksStep 1: Platform IntegrationConnect PayFacLite® to your existing platform through RESTful APIs.
Our technical team provides integration support and testing environments. Most platforms complete integration within one week using our comprehensive documentation and sandbox environment.Step 2: Sub-Merchant OnboardingYour customers apply for payment processing through branded onboarding flows embedded in your platform. Our automated underwriting engine evaluates applications using machine learning risk models trained on . Approved merchants receive payment processing capabilities immediately.Step 3: Transaction ProcessingPayFacLite® processes all payment transactions, handles settlement, and manages compliance monitoring. Your sub-merchants accept payments whilst you collect processing fees and maintain customer relationships. The platform manages technical complexity automatically.Step 4: Revenue CollectionEarn recurring revenue through processing fees, monthly platform charges, and premium service offerings. PayFacLite® provides detailed analytics showing programme performance and revenue attribution. You receive monthly statements detailing all income sources.
Frequently Asked
QuestionsWhat happens if PayFacLite® doesn't meet our volume requirements?We guarantee processing capacity for volumes up to 10 pounds million monthly with 99.9% uptime. If we fail to meet agreed service levels, you receive service credits equal to one month's platform fees. Additionally, we provide 30-day notice before any pricing changes, allowing you to evaluate alternatives without penalty.How does switching from our current payment processor work?Our migration team handles the entire transition process, including sub-merchant data transfer, transaction history migration, and settlement reconciliation. We maintain parallel processing during transition periods to eliminate revenue interruption. Most platforms complete migration within two weeks with zero downtime.What if regulatory requirements change after we launch?PayFacLite® automatically adapts to evolving FCA regulations without requiring platform updates. Our compliance team monitors regulatory changes and implements necessary adjustments to maintain your payment facilitation licence. You receive advance notice of any changes affecting your programme.How do we handle chargebacks and disputes for sub-merchants?Our dispute management system automatically handles chargeback notifications, evidence collection, and response submissions. Sub-merchants can upload supporting documentation through your branded interface whilst we manage the dispute process with card networks. You receive detailed reporting on all dispute outcomes.What support do we get during the first 90 days?** Every new platform receives dedicated onboarding support including weekly progress calls, technical assistance, and performance optimisation recommendations. Our success team monitors your programme metrics and provides actionable insights for improving sub-merchant conversion and retention rates. Stop paying for infrastructure you don't control. Launch your payment programme with PayFacLite® and start collecting recurring revenue whilst we handle regulatory complexity. Get Started With Your Payment Programme
See Also - White Label Payment Facilitation Without Infrastructure Overhead
Frequently Asked Questions
What happens if PayFacLite® doesn't meet our volume requirements?
We guarantee processing capacity for volumes up to £10 million monthly with 99.9% uptime. If we fail to meet agreed service levels, you receive service credits equal to one month's platform fees. Additionally, we provide 30-day notice before any pricing changes, allowing you to evaluate alternatives without penalty.
How does switching from our current payment processor work?
Our migration team handles the entire transition process, including sub-merchant data transfer, transaction history migration, and settlement reconciliation. We maintain parallel processing during transition periods to eliminate revenue interruption. Most platforms complete migration within two weeks with zero downtime.
What if regulatory requirements change after we launch?
PayFacLite® automatically adapts to evolving FCA regulations without requiring platform updates. Our compliance team monitors regulatory changes and implements necessary adjustments to maintain your payment facilitation licence. You receive advance notice of any changes affecting your programme.
How do we handle chargebacks and disputes for sub-merchants?
Our dispute management system automatically handles chargeback notifications, evidence collection, and response submissions. Sub-merchants can upload supporting documentation through your branded interface whilst we manage the dispute process with card networks. You receive detailed reporting on all dispute outcomes.
What support do we get during the first 90 days?
Every new platform receives dedicated onboarding support including weekly progress calls, technical assistance, and performance optimisation recommendations. Our success team monitors your programme metrics and provides actionable insights for improving sub-merchant conversion and retention rates.