Payfactory is the embedded payment facilitation platform built for ISVs and SaaS companies ready to own the payment experience inside their software — and earn revenue on every transaction.
Request a demo today and unlock the full potential of the Payfactory API.
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Powering thousands of merchants across North America
Gateway-friendly, low-code payment facilitation that integrates into your existing stack – no rebuild required.
We underwrite based on your vertical, not a one-size-fits-all risk model. That matters a lot for ISVs in nonprofit, B2B, healthcare, government, utilities, attorneys and education, verticals where standard underwriting is the barrier merchants hit first.
Full PCI DSS coverage with PCI-validated point-to-point encryption (P2PE) for card data in transit, plus tokenization for stored and recurring payments.
Beneficial interchange programs available across MCC categories. Your merchants get pricing tuned to their vertical, not a flat one-size-fits-all rate.
Different verticals need different payment patterns. Payfactory supports all three out of the box.
Start generating payments revenue from your first transaction with a built-in revenue sharing program.
Automate the full embedded payment lifecycle – from instant merchant onboarding to real-time transaction processing and payout management.
Eliminate manual steps with Payfactory’s automated merchant onboarding flow. Approval decisions are fast, accounts activate automatically, and merchants start processing faster.
The same foundation powering thousands of merchant accounts across North America.
Comprehensive API docs, sandbox environments, and a dedicated developer portal so your team can build, test, and ship with confidence.
A complete RESTful API suite covering the full embedded payment lifecycle — onboarding, transactions, payouts, and the webhooks in between. Built for fast integration and clean automation.
Payfactory runs on PCI-compliant infrastructure, with end-to-end encryption, tokenization, EMV & 3-D Secure protection available and real-time fraud monitoring built into every transaction.
ISVs, SaaS platforms, ISOs payment gateways and financial institutions all plug into the same payfac platform — with the partnership model and support that fits how you go to market.
White-labeled embedded payfac for acquirers and payment gateways.
Referral and reseller programs for ISOs and financial institutions.
Lara M.
1h ago
Jonathan Z.
11h ago
Charles P.
17h ago
Embedded payment facilitation purpose-built for Software Platforms.
Payfactory is the embedded payments arm of Harlow Payments. A full-service payment solutions company serving thousands of small and midsized businesses across North America.
Where Harlow delivers credit card processing and point-of-sale solutions for merchants directly, Payfactory brings that same infrastructure to ISVs and SaaS platforms through flexible, developer-ready embedded payment facilitation.
Together we cover the full payment stack: from the terminal on a merchant’s counter to the API powering your software.
