Payfactory adds full payment facilitation to your platform without a rebuild. Bring your own gateway or use ours, board merchants in minutes, and earn revenue on every transaction your merchants process.
Payment facilitation is the future of payment processing. Merchants want a fast application and a clean payment experience. ISVs and SaaS platforms want to meet that demand and earn payments revenue without the overhead, registrations, and risk of building a payfac in-house. Payfactory delivers both through one embedded platform that drops into your existing stack.
Automated onboarding takes merchants from signup to processing today, with no paperwork and no hard credit pull.
We underwrite based on your vertical, not a one-size-fits-all risk model.
Detailed reporting at the merchant, batch, and settlement level, surfaced through APIs, the portal, or webhooks.
Your merchants manage their own accounts. You get fewer support tickets and a stickier product.
Your revenue share starts on the first merchant transaction.
There is no ramp-up period.
Payfactory layers into your current payments flow regardless of provider or processor. Your merchants pay inside your software, funds settle to their accounts, and your revenue share is calculated and paid monthly.
Payfactory runs the full payments back office behind your software, on PCI-compliant infrastructure built and maintained by Harlow Payments.
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.
There are many embedded payment options on the market. The difference between traditional payment processing and payment facilitation comes down to speed, control, and revenue. Traditional processing means lengthy applications, manual underwriting, hard credit pulls, and days of waiting. Payfactory handles the entire application and underwriting process in minutes, with no paperwork, no credit-report inquiry, and automatic provisioning of gateway credentials.
