Payment solutions for financial institutions
Build and oversee embedded payments programs.
Embedded payments has shifted from a niche opportunity to a strategic imperative. As software platforms become the primary channel through which businesses transact, financial institutions must decide how they’ll participate, and how they’ll manage the responsibility that comes with it.
The institutions that act early help shape the economics, oversight models, and merchant relationships of tomorrow. Those that wait often inherit frameworks built by someone else.
The Shift
The merchant relationship is evolving.
Small businesses increasingly engage with financial services through the software they use every day. Embedded payments has become a core part of how software platforms create value, and how merchants choose providers.
For financial institutions, the question is no longer whether embedded payments matters.
It’s whether you’re shaping the opportunity or reacting to it.
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of merchants now use a software platform
$ 0 B+
software platform payment revenue reached
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of SMB acquiring expected to be software-led by 2030
*McKinsey, UBS
Where you are today
Two different challenges. One experienced partner.
Find the situation that sounds like yours.
- The opportunity
You’re deciding how to participate
You see the opportunity embedded payments presents and need a clear path forward.
- The responsibility
You’re already carrying the program
You have responsibility for oversight, compliance, and operational readiness – and need confidence your program can withstand scrutiny.
The opportunity
From opportunity to operational program
01
The opportunity is clear. The path is not.
Merchant relationships and payment economics are increasingly controlled by software platforms. Competitors are already partnering with software platforms, sponsoring programs, and building embedded finance strategies.
The challenge isn’t recognizing the opportunity. It’s determining the right participation model and avoiding decisions that are costly to reverse later.
02
Building a program requires expertise most institutions don’t have in-house.
Launching or sponsoring an embedded payments strategy means navigating:
- Revenue and risk modeling
- Sponsor bank obligations
- Operational readiness
- Card-network requirements
- Compliance frameworks
- Regulatory expectations
These aren’t decisions most institutions make every day, and they’re not decisions you want to learn through trial and error.
03
Build the right strategy before you build the program.
Paysolve helps financial institutions evaluate, design, and launch embedded payments programs with confidence. We help you assess:
- Build vs. buy vs. partner models
- Sponsor and processor selection
- BIN Sponsor readiness
- Revenue and profitability projections
- Program structure and governance
- Regulatory and compliance requirements
The outcome isn’t a recommendation deck. It’s a practical roadmap your institution can execute, and we stay involved long enough to ensure your team can operate what we’ve designed. And the program runs on Payops, our payments operations platform.
Talk to an advisor about building your program >
Success Story
From zero program experience to operational sponsor
The Challenge
A technology-focused bank wanted to build a merchant acquiring business but lacked the internal expertise to design and launch the program.
Approach
Paysolve developed the complete policy framework, operational structure, and team training needed to stand up a compliant sponsoring entity.
Outcome
The bank launched a fully operational sponsorship program capable of supporting PayFacs and processors while expanding revenue opportunities.
The responsibility
From reactive oversight to continuous confidence
01
Responsibility without visibility is a risk.
Sponsor banks and acquirers often carry responsibility for portfolios they cannot fully see. Oversight may exist on paper, but operational visibility frequently falls short of what’s required to confidently manage risk.
When fraud events, chargeback issues, or regulatory reviews occur, accountability ultimately lands with the institution.
02
The real test is whether you’re ready today.
Many institutions engage advisory support when they’re:
- Preparing for a regulatory review
- Responding to network mandates
- Managing growing PayFac or ISO portfolios
- Evaluating compliance posture
- Scaling oversight requirements
In these moments, experience matters. Doing the work correctly the first time can prevent costly findings later.
03
Turn oversight into ongoing confidence.
Paysolve helps institutions evaluate, strengthen, and operationalize oversight programs through:
- Fitness Reviews
- BIN Sponsor Readiness
- Policies & Procedures Development
- Managed Services
For larger portfolios, Payops extends that support with centralized compliance and operational visibility at scale.
The assessment is only the beginning. We help implement the changes that make findings meaningful.
Talk to an advisor about your portfolio >
Success Story
A fitness review that became a better program
The Challenge
An acquiring bank sought an independent review of its ISO sponsorship program.
Finding
While policies existed, oversight practices weren’t consistently being executed.
Approach
Paysolve conducted follow-on training, worked directly with stakeholders, and presented recommendations at the board level.
Outcome
The institution strengthened compliance posture, improved operational execution, and elevated the maturity of its sponsorship program.
What you’ll actually get
Advisory engagements built around your needs.
01
Comprehensive assessment of compliance, operations, staffing, vendors, and risk with a prioritized remediation plan.
02
Custom-built operational and compliance frameworks backed by hands-on training.
03
Program design, governance, registration requirements, and launch planning.
05
Centralized visibility and compliance management for large-scale portfolios.
06
The platform your PayFac program runs on. Merchant enrollment, underwriting, boarding, funding, chargebacks, and risk monitoring, processor- and gateway-flexible so you choose your own partners.
Why Infinicept
Built by the people who wrote the playbook.
Infinicept occupies a unique position in the payments ecosystem. Our team authored industry standards, helped define payment facilitator best practices, and has worked across every side of the payments ecosystem.
- We’ve helped software companies become fintechs.
- We’ve helped financial institutions become sponsors.
- We’ve helped regulators understand emerging payment models.
The partner who stays
Advice is easy. Operational confidence is hard.
Most firms deliver recommendations and move on. Paysolve stays engaged long enough to help your team operationalize what was delivered.
- Training staff on policies and procedures
- Supporting board-level presentations
- Walking through operational workflows
- Navigating gray areas not covered in documentation
We don’t simply hand over a framework. We help your team put it into practice.
Independent by design
Guidance driven by what’s right for you.
We’re not tied to a processor, card brand, or sponsor model. Our recommendations are based on what creates the best outcome for your institution—even when that outcome doesn’t involve Infinicept software.
Credibility Stack
Trusted by institutions around the world.
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Payments Programs Launched
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Countries Supported
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Years of Advisory Practice
Authors of
Creators of
Approved
Start the conversation
Whether you’re exploring the opportunity or managing the responsibility, start with a conversation.
Tell us where you are today, what type of institution you represent, and what challenge you’re working through. We’ll make sure your first conversation is with the right advisor.