Run your PayFac program without the operational complexity

Payops is the payments operations platform that powers the full merchant lifecycle—from onboarding and underwriting to funding, risk, and reporting—all in one system.

Built for registered PayFacs, marketplaces, and acquiring banks operating at scale.

The Problem

Growth shouldn’t break your operations.

Running a PayFac program starts simple — but it doesn’t stay that way.

More merchants. More transactions. More risk. More moving parts.

What begins as a payments feature quickly turns into a complex operational machine — held together by disconnected tools, manual processes, and growing headcount.

At a certain point, you’re not just running a payments program. You’re running an operations company.

The Solution

Bring your entire payments operation into one platform.

Payops replaces fragmented systems with a single, purpose-built platform designed to run PayFac programs end to end.

Onboarding, underwriting, boarding, funding, reporting, chargebacks, and risk—connected in one system, not scattered across tools and teams.

So you can scale your program without scaling operational complexity.

Onboarding

Underwriting

Fees

Funding

Reporting

Chargebacks

Risk

Merchant Mgmt

How it works

From application to transaction to lifecycle management.

Three stages of your payments operation. One platform.

01 / 03

Enroll

Bring merchants into your program — with speed and control

Design application experiences by program, automate underwriting decisions, and move merchants from submission to boarding in minutes.

Configurable application fields and requirements
Automated + manual underwriting workflows
Unified view of KYC, KYB, and risk signals
Direct boarding to processors via API
Embed onboarding in your own software via API, or use ours
Vertical-specific application fields so merchants see only what's relevant

02 / 03

Accept

Flexible payment acceptance, your way

Use the gateway strategy that fits your business — whether that’s your existing provider, Infinicept Orchestrate, or multiple gateways across your portfolio.

03 / 03

Manage

Run and optimize your program at scale

Once merchants are live, Payops gives you full control over the operational lifecycle — from funding and reporting to disputes and risk monitoring.

Fees, funding, and settlement visibility
Chargeback and dispute management workflows
Exception-based risk monitoring
Full merchant account management
White-labeled merchant portal
Configurable fee management across merchant programs

Why it’s different

Built for how real PayFac programs operate.

/ 01

Run multiple merchant programs from one platform

Configure separate application flows, underwriting rules, pricing, terms, and branding for each vertical or business line. Segment by industry, by risk profile, or by go-to-market strategy. One system, as many programs as you need.

/ 02

Automate underwriting without losing control

Aggregate data from KYC, KYB, and compliance sources like LexisNexis, MATCH, and IDology into one decisioning workflow with rules you define and approvals you control.

/ 03

Use Payops as your engine — or build on top of it

With API-first architecture, you can automate workflows, integrate with your systems, or create your own UI on top of Payops.

/ 04

Stay flexible with your payments stack

Payops is processor-agnostic and gateway-flexible, integrating with providers like Fiserv, Chase, and Worldpay — without locking you into a single approach.

Operational Depth

Everything you need to run the day-to-day.

Payops doesn’t just simplify your architecture — it gives you the tools to manage every operational detail with precision.

Transaction Reporting

Filterable transaction and settlement data at the merchant and program level. Export for reconciliation or pull reports via API for automated daily monitoring.

Chargeback Management

Track disputes from notification through resolution. Collect and manage merchant documentation, update statuses, send notifications to merchants, and maintain full chargeback history.

Risk Monitoring

32 configurable risk exceptions across merchant, category, and portfolio levels. Set thresholds, trigger reviews automatically, and hold settlement while issues are investigated.

Merchant Management

Update merchant information, manage bank accounts, hold or release merchants, and control account status. Manage multiple contacts per merchant. Available in the UI or fully through API.

Funding Visibility

Configure funding schedules per merchant or program. Hold or release individual deposits and transactions. Track daily deposit status and funding returns across your portfolio.

Automated Underwriting Checks

Each application is automatically run through OFAC screening, identity verification, TIN validation, MATCH checks, bank account ownership, and more. You set the rules for what gets approved automatically and what gets flagged for review.

Merchant Application Configuration

Build separate application experiences per program with their own fields, terms, and branding. Pre-fill merchant details from your CRM or sales workflow. Deliver the application through Infinicept’s UI or embed it in your own software via API.

Manual Review Dashboards

Sortable queue of flagged applications with identity, fraud, credit, and compliance check results at a glance. Review, approve, or escalate without switching between systems or pulling individual reports.

Merchant Portal

White-labeled self-service portal where your merchants view transactions, deposits, fees, chargebacks, and account details under your brand. Or consume the portal entirely via API and build your own merchant-facing experience.

Managed Services

Need operational support beyond the platform?

Infinicept’s managed services team can run alongside you, covering underwriting, risk and disputes, compliance oversight, and merchant support. Start with full support and take ownership of each area as your team is ready.

Developer experience

Built for developers. AI-ready by default.

Payops is API-first—and our Developer Portal is built for the way teams actually work today. Whether your engineers prefer docs, code, or AI copilots, every reference is structured for speed, clarity, and self-service.

MCP Server

A Model Context Protocol server that lets AI tools (Claude, ChatGPT, Gemini, and others) interact directly with Infinicept’s API reference. Look up specs, pull endpoint details, retrieve request and response schemas, and generate integration code from natural language prompts.

Live now · Setup in under two minutes

LLMs.txt

A structured index of all documentation on the Developer Portal—Guides, API Reference, and Changelog—with titles, descriptions, and direct links to each page’s Markdown version. AI tools read this file to discover what’s available and where to find it.

developer.infinicept.com/llms.txt

Markdown Pages

Append .md to any page URL within Guides, API Reference, or Changelog for AI-ready content. Clean, structured documentation without HTML noise—best for targeted review of specific pages.

Append .md to any doc URL

Ask AI Menu

Available on every page in the Guides and API Reference sections. One-click access to open the current page in Claude or ChatGPT, or copy and view it as Markdown.

No setup, configuration, or installation