Payment Infrastructure for Software Platforms | PayFacLite®
If you're running a software platform and payments still feel like someone else's problem, you're leaving money on the table, and probably handing your merchants a worse experience than they deserve.
More software companies are making the move to own their payments stack. Not because it's trendy, but because it makes commercial sense. When payments sit inside your platform, you control the relationship, the margin, and the data. That's a fundamentally different business from one that just refers merchants to a third party and hopes for the best.
PayFacLite® is built for exactly that shift.
Why Software Platforms Are Rethinking Payments
For years, the standard playbook was simple: partner with a processor, point your merchants their way, collect a small referral fee. It worked, sort of. But the economics were never that great, the experience was always disjointed, and the merchant loyalty sat with someone else.
The platforms that figured out payments early gained a real edge. Faster onboarding. Stickier relationships. Meaningful revenue that compounds as their merchant base grows. That's not a coincidence, it's what happens when you treat payments as a core product feature rather than an afterthought.
Today, robust payment infrastructure for software platforms is no longer reserved for companies with engineering teams the size of a small bank. The tooling has caught up. The compliance burden can be shared. And the commercial case has never been clearer.
What PayFacLite® Actually Gives You
PayFacLite® is an API-first platform designed to give software companies, ISVs, vertical SaaS providers, and marketplace builders, the building blocks to run payments under their own brand, on their own terms.
Here's what that looks like in practice:
Merchant onboarding you control.** No more sending your customers off-platform to complete someone else's application. PayFacLite® lets you manage the full onboarding flow, with built-in KYB checks and automated decisioning to keep things moving fast.Flexible pricing structures.Want to offer flat-rate pricing to some merchants and interchange-plus to others? Fine. PayFacLite® supports multiple pricing models so you can be commercially smart across different segments.Your brand, not ours.White-label by design. Your merchants see your product. That's how it should be.
**Reporting that actually helps. The dashboard gives you a real-time view of volume, fees, settlement, and merchant performance. Not just for compliance, for running your business better.
Revenue share that works for you. PayFacLite®'s commercial model is built around partner success. As your portfolio grows, your economics improve. It's that direct.
The API-first architecture means your dev team isn't wrestling with legacy documentation or brittle integrations. You can move fast, iterate, and build the payment experience your merchants actually want.
Compliance Without the Complexity
Let's be honest: compliance is the part that makes most software companies nervous about payments. PCI DSS. KYB. AML obligations. Chargeback management. It adds up quickly, and getting it wrong isn't an option.
PayFacLite® handles the heavy lifting on compliance infrastructure so you don't have to build it from scratch. That includes card scheme compliance, fraud tooling, and the ongoing monitoring that regulators expect. You operate within a proven framework rather than figuring it out the hard way.
This matters especially for platforms in regulated verticals, healthcare, legal, property, utilities, where your merchants have specific needs and expectations around how money moves.
Compliance support isn't a bolt-on. It's baked in. And that changes the risk calculus for any software company considering whether to bring payments in-house.
Built for Growth, Not Just Getting Started
There's a difference between infrastructure that helps you launch and infrastructure that helps you scale. Some solutions are fine for the first hundred merchants and start showing cracks at a thousand. PayFacLite® is designed with long-term growth in mind.
As your platform grows, you get access to richer data, more sophisticated pricing controls, and deeper reporting. The platform supports a range of payment types, card-present, card-not-present, recurring billing, so you're not hemmed in as your product evolves.
For ISOs and acquirers building software-led offerings, PayFacLite® provides the payment infrastructure for software platforms to move up the value chain, from processing commodity to embedded finance provider. That's a real shift in how the market values your business.
Partners who've made this move consistently report higher merchant retention, stronger NPS, and new revenue streams that weren't available to them before. The numbers tend to speak for themselves.
If your platform is ready to own its payment experience, and the revenue that comes with it, PayFacLite® makes that move straightforward. No unnecessary complexity, no vague promises. Just the infrastructure you need to build something worth owning.
Get Started and see how PayFacLite® can fit into your platform's next chapter.
See Also
Frequently Asked Questions
What is payment infrastructure for software platforms?
Payment infrastructure for software platforms refers to the underlying technology, compliance frameworks, and processing capabilities that allow a software company to offer payment acceptance natively within their product. Rather than redirecting merchants to a third-party provider, the platform owns the onboarding, pricing, and settlement experience. This typically includes APIs for integration, merchant management tools, reporting, and built-in compliance support.
Do I need to become a payment facilitator to use PayFacLite?
Not necessarily. PayFacLite is designed to support different operating models depending on your business structure and appetite for risk. Some partners operate as full payment facilitators, while others leverage a managed or hybrid model where certain compliance and liability elements are shared. We can help you work out which structure makes the most sense for your platform.
How long does it take to integrate PayFacLite into an existing software platform?
Integration timelines vary depending on the complexity of your platform and the features you want to enable at launch. That said, PayFacLite's API-first design is built for developer efficiency — most partners reach a functional integration within a matter of weeks rather than months. Dedicated onboarding support is available throughout the process.
Can I control how my merchants are priced through PayFacLite?
Yes — pricing flexibility is a core part of the platform. You can set different pricing structures for different merchant segments, whether that's flat-rate, interchange-plus, or a blended model. This lets you stay competitive across verticals and merchant sizes without being locked into a one-size-fits-all approach.
Is PayFacLite suitable for vertical SaaS companies, or is it built more for ISOs?
PayFacLite is built for both. Vertical SaaS companies benefit from the embedded payments capabilities and white-label design, while ISOs and acquirers use the platform to build scalable, software-led payment offerings. The underlying infrastructure is the same — what changes is how you configure and position it within your specific business model.