Cashflows Shift
Becoming a PayFac has never been easier
It’s time to take the power of payments into your own hands, with us right behind you. Gone are the days where you need to build your own technology stack to operate as a Payment Facilitator or even apply for regulatory licenses. Our licence services, modulised technology and industry-leading expertise in embedded payments will give you all the knowledge, insight and support you need to take control.
Why Becoming a PayFac is Your Next Strategic Move
Evolving from an Independent Software Vendor (ISV) or an ISO to a Payment Facilitator (PayFac) is a game-changer.
Whilst relying on acquirers in a traditional model can get the job done, it often means giving up control, relying on their technology stack, impacting customer experience and missing out on commercial upside.
By becoming a PayFac Lite, you can get all the benefits of operating as a Payment Facilitator without the heavy upfront cost of building proprietary technology and without the need for licenses from the outset. Suddenly becoming a Payment Facilitator can be a stepping stone approach which you can immediately monetise and as a result, control far more of the customer journey and have more ownership of the merchant. This allows more commercial flexibility, innovation and competitive advantage to ensure you are staying ahead of the market.
Monetise your payments
Own and monetise more of your payments journey, integrate value-add services and innovate to build your revenue share.
Get to market fast
Use our regulatory and scheme licenses to rapidly expand your capabilities across the UK and EEA without the upfront cost, risk and time restraints.
Reduce acquirer reliance
Determine your own risk approach for greater commercial flexibility and create your own compelling customer proposition to put your brand front and centre.
Delight your customers
Take closer control of your merchant relationships to deliver the rich, seamless customer experience they deserve.
Seize the power to grow your way
Whether you want to maximise your payments potential today or take a first step to becoming a fully-licensed payments facilitator tomorrow,
we help you take the power of payments into your own hands.
PayFac as a Service (PFaaS)
- Streamline onboarding
- Control the merchants pricing, settlement
- Own your revenue stream
- Optimise payments flows
- Diversify risk
PayFac Fully Licensed
- Be in flow of funds
- Total ownership of your client(s)
- Total commercial ownership of the merchant
- Boost an ISV's/ISOs valuation and broaden its acquisition appeal
Acquiring Bin Sponsorship
- Leverage Cashflows' acquiring license
- Act as an acquirer
- Total ownership of the payment process
- No requirement to obtain license
Frequently Asked Questions
What does it mean to be a PayFac?
A PayFac or [Payment Facilitator] is an organisation who takes a leading role in owning and controlling the payments flow for their merchants. Previously this was wholly controlled by the acquirer, but now you can take greater ownership of these payments flows
Why become a PayFac?
Taking greater control and ownership of the payments flows of your merchants helps drive a revenue stream to you, in addition to increasing retention and reducing attrition of your merchants. With the acquirer now invisible in the background, you take the lead on negotiating rates and settlement terms, in addition to owning more of the onboarding journey, helping to set your merchants up to take payment more quickly. Therefore enabling far better customer experience for your merchants, it’s a win-win – quicker, slicker and with you owning the journey and taking a share of the revenue
How long does it take to set up PayFac as a Service?
If you have the expertise, personnel, and processes in place you can be up and running in weeks, however we do have a team of SMEs who can guide you in your journey to becoming a PayFac should you not have some of the expertise, personnel or processes in place today.
What is a PayFac vs payment processor?
A PayFac is an organisation who controls the merchant ownership and negotiates pricing and settlement terms for payments. The Payment processor actually does the processing in the background, invisible to both you and the merchant
What is the difference between a PayFac and an ISO?
A PayFac allows for greater control and ownership, using our PayFac as a Service Platform to enable you to complete onboarding yourself, disaggregating the acquirer from the merchant relationship. Under an ISO set up, this is owned and managed by the acquirer.
What is the difference between PayFac and ISV?
An ISV is an Independent Software Vendor, who will likely be seeking to embed payments within their app or platform. Similar to an ISO, they own still rely on their acquire to manage, contract and board their merchants. They are a key organisational demographic who would get great benefit from transitioning to a PayFac set up.