Payment Facilitator Lite Without Complex Infrastructure Overhead
Most ISVs don't realise they're leaving 40% of their potential payment revenue on the table by staying dependent on third-party processors. While your competitors build direct payment relationships with their customers, you're stuck explaining why transaction fees keep rising and why settlement takes days instead of hours. a growing network of partnersUK platforms processing 2.4B annually**
The Hidden Cost of Payment Dependence
Every day you operate without direct payment control, you lose more than just transaction margins. Your customers experience friction at checkout because they're redirected to unfamiliar payment pages. Your cash flow suffers because settlements happen on someone else's timeline. Your growth stagnates because you can't offer the payment flexibility that modern businesses demand. Your SaaS platform might be generating 100K monthly in transaction volume, but you're only capturing 10-15% of the available payment revenue. The remaining 85-90% flows to payment processors who own the merchant relationships you helped create. Meanwhile, your competitors who've implementedpayment facilitator litesolutions are capturing 3-4x more revenue per customer while offering superior payment experiences. The switching costs only increase with time. Every month you delay means more customers to migrate, more integrations to rebuild, and more revenue permanently lost to intermediaries who add minimal value to your customer relationships.
How PayFacLite® Transforms Your Payment Programme
PayFacLite® delivers everything you need to become apayment facilitator litewithout the typical 18-month implementation timeline or 500K+ infrastructure investment. Our platform handles the complex regulatory requirements, technical integrations, and operational overhead that traditionally make payment facilitation impossible for growing platforms.Sub-Merchant Onboarding That Actually WorksOur automated onboarding system gets your merchants accepting payments within 24 hours, not 2-3 weeks. The system performs real-time KYC checks, automates risk assessment scoring, and integrates directly with Companies House for instant business verification. Your customers start generating revenue immediately instead of waiting in approval queues.Transaction Processing Built for ScaleOur processing engine handles everything from card-present transactions to recurring billing, with intelligent routing that optimises for both cost and success rates. The platform automatically handles 3DS2 authentication, network tokenisation, and retry logic, delivering 15-20% higher authorisation rates compared to basic payment gateways.Compliance Management Without the HeadachesStaying compliant with FCA regulations, PCI DSS requirements, and Open Banking standards requires constant attention to evolving rules. PayFacLite® automates compliance monitoring, generates required reports automatically, and updates security protocols without requiring development resources from your team.Automated Settlement That Improves Cash FlowInstead of waiting for weekly or monthly settlement cycles, your merchants receive funds within 24 hours of transaction completion. Our settlement engine automatically handles reserve calculations, rolling reserve adjustments, and chargeback deductions for cleaner accounting and happier merchants.
Your 4-Week Path to Payment IndependenceWeek 1: Integration
SetupOur technical team handles the API integration with your existing platform. Most integrations complete within 48 hours because we've built pre-configured modules for popular SaaS frameworks. You get sandbox access immediately to begin testing transaction flows.Week 2: Compliance VerificationWe submit your FCA application and handle the regulatory paperwork while you focus on preparing your merchant onboarding flows. Our compliance team has a 98% first-time approval rate because we know exactly what regulators require.Week 3-4: Merchant MigrationExisting merchants transition to your new payment facilitator lite platform through automated migration tools. New merchants onboard directly through your branded payment application process. Most platforms see zero transaction disruption during migration.
Calculate Your Revenue
OpportunityIf you're processing 100K monthly:- Current payment revenue: 1,500/month
- With PayFacLite®: 4,500-6,000/month
Additional annual revenue: 36,000-54,000 If you're processing 500K monthly:
- Current payment revenue: 7,500/month
- With PayFacLite®: 22,500-30,000/month -Additional annual revenue: 180,000-270,000
Ready to Stop Leaving Money on the Table?
Get your personalised payment facilitator lite revenue assessment and implementation roadmap. We'll show you exactly how much additional revenue you're missing and create a risk-free migration plan for your platform.[Get Your Free Revenue Assessment →]** Or speak directly with our payment facilitation specialists: 0330 088 1251 Book a 15-minute call to discuss your payment volume and current setup. No sales pressure - just actionable insights about your payment revenue potential.
Frequently Asked Questions
What if our current payment setup is too complex to migrate?
We've successfully migrated platforms with 10,000+ active merchants and complex transaction flows. Our migration process runs in parallel with your existing setup, so there's zero risk of payment disruption. If migration doesn't work seamlessly, we provide a full refund and help restore your original configuration at no cost.
How do we know this won't increase our regulatory risk?
PayFacLite® is built specifically to reduce regulatory risk, not increase it. We maintain FCA authorisation, handle PCI DSS compliance automatically, and provide audit trails that regulators actually prefer over typical payment processor arrangements. You get more compliance protection, not less.
What happens if transaction volumes spike beyond our projections?
Our infrastructure automatically scales to handle volume increases without manual intervention or additional setup fees. We've processed single-day volumes 10x higher than normal without performance issues. You only pay for transactions you actually process, with no volume commitments or scaling penalties.
Can we customise the payment experience to match our brand?
Absolutely. PayFacLite® provides white-label payment interfaces that integrate seamlessly with your existing platform design. Your merchants and their customers see your branding throughout the entire payment experience, not generic payment processor interfaces.
What if we need to integrate with specific banking partners or payment methods?
Our platform connects with 15+ acquiring banks and supports 40+ payment methods including card payments, Open Banking, and digital wallets. If you need connections we don't currently support, we typically add them within 30-60 days at no additional cost.