- PayFac-as-a-Service
Launchpay. Maximum Control. Zero Liability.
Built by the team that helped define PayFac standards.
Why Launchpay
You don’t need to become a PayFac to act like one.
Most embedded payment models force a tradeoff:
Less control for less complexity.
Less ownership for more speed.
More risk for more revenue.
Launchpay
Removes the tradeoffs.
You build equity in your payments program, not dependency on someone else’s. Own your merchant relationships, set your own economics, and choose how deep you go. Infinicept handles compliance, risk, and liability. No tradeoff.
The Launchpay model
Your business. Our infrastructure.
01
Your program.
A payments program that looks and feels like your product. Use Orchestrate, Infinicept’s native gateway, or bring your own. Brand every customer touchpoint.
02
Your revenue.
Set merchant pricing (flat rate or interchange-plus). Own your merchant agreements from day one. Your revenue model, your terms.
03
Our expertise.
Underwriting, compliance, risk, and liability. Managed. Infinicept holds PayFac registration and merchant liability. Your team doesn’t need to build or staff any of it.
What makes Launchpay different
Control, ownership, and visibility built into every layer.
Total Control Over Your Payments Business
Set your pricing, define your margins, and control your go-to-market strategy. Flat rate or interchange-plus, broken down by card-present, card-not-present, or card brand.
Gateway Freedom
Use Orchestrate, Infinicept’s native gateway, or bring your own. No rebuilding your stack. Orchestrate comes with full card-present, card-not-present, and ACH acceptance. Already have a gateway that works? Keep it.
Own Your Merchants
For Real
Your merchant relationships are contractually yours from day one. Portable agreements. If you graduate to full PayFac, your customers come with you. No re-papering, no migration.
Zero PayFac Liability
You are not the PayFac. Infinicept assumes compliance, risk, fraud, and chargeback responsibility. 90%+ merchant approval rate. All applications reviewed within 24 hours. 50% same-day decisions.
Transaction-Level Fee Visibility
See interchange, dues, and fees on every transaction. Know exactly what you earn, on every customer, every time. Available in BackOffice and via API.
One Platform. You Choose How Deep You Go.
Use our branded customer portal and applications out of the box, or build your own via APIs. Start with our tools, go plumbing-only as you scale.
Built for how you accept
Card-present. Card-not-present. ACH. Digital wallets. All in one platform.
In-Person Payments
- Terminals
- Tap-to-Phone
- Kiosks
- Mobile devices
Online & In-App
- Hosted pages
- Invoicing
- Stored credentials
- Digital wallets
ACH & Recurring
- Bank payments
- Tokenization
- Account validation
- Subscriptions
Flexible Fee Models
- Surcharging
- Convenience fees
- Tipping
- Cash discounting
Merchant experience
A better experience for your team and your customers.
White-Labeled Merchant Applications
Branded applications configured for your customer types, industries, and risk profiles. Pre-fill from your CRM or sales team. Full visibility into every underwriting step: what pends, what’s requested, what your customers provide. Your team controls the communication throughout.
Self-Service Customer Portal
Your customers log in and see transactions, deposits, fees, chargebacks, and account details, all branded to you. Use our portal out of the box, or consume all data via API and build the experience into your own software.
Your Brand at Every Touchpoint
Branded applications, branded portal, branded communications and notifications. Your customers interact with your brand throughout the entire payments experience.
Risk, compliance, and underwriting
We handle the complexity.
Underwriting and Merchant Approval
Applications run through automated checks across identity, fraud, compliance, and credit data sources. Auto-decisioning handles straightforward approvals based on rules configured for your vertical and customer types. Applications that need deeper review go to real underwriters. Your team has full visibility and can serve as the communication arm with your customers.
90%+ approval rate. All applications reviewed within 24 hours. 50% same-day decisions.
Risk Monitoring and Fraud Prevention
Transaction monitoring identifies fraud and risk patterns across your portfolio. When issues surface, your team can provide context that helps decisioning, like customer financials or inventory data you may have access to.
Chargeback Management
End-to-end chargeback handling and prevention strategies. You carry no merchant liability for chargebacks or fraud losses. Direct access to decision makers within Infinicept's underwriting and risk teams.
Compliance and Regulatory
PCI DSS certification, 1099 tax reporting, card brand compliance. Managed by a team with 100+ years combined underwriting and risk experience who authored the ETA Payment Facilitator Guidelines.
Your team focuses on product and customers. Infinicept handles the rest.
Developer experience
API-first. AI-ready. Built for your engineering team.
Launchpay is API-first. Build payments the way your platform works. Our developer portal is designed for speed, clarity, and self-service, so your team can move without bottlenecks.
Guides
Step-by-step implementation paths to get you live, fast.
API Reference
Clear, complete, and easy to navigate.
Recipes
Pre-built workflows for the most common use cases.
Changelog
Stay up to date with the latest product updates.
Start simple. Go deep when you’re ready.
From first call to production — on your timeline.
Reporting & analytics
Full visibility into your payments program.
- Real-time transaction monitoring
- Settlement and performance reporting
- Revenue share visibility across your portfolio
- Transaction-level fee transparency: see interchange, dues, and fees on every transaction. Available in BackOffice and via API.
No black boxes. No guesswork. Just clear economics.
Proven at scale
Trusted by software platforms building payments their way.
We started with Stripe. It’s very easy, great APIs. But through a lot of research and learning, we figured out that through Stripe we wouldn’t get the optimal results. Payments were an incredibly important part of the business.
— Doug Levy, CEO, TapGoods
Who it’s for
Built for scaling software platforms.
- Vertical SaaS platforms
- Companies embedding payments for the first time
- Platforms outgrowing Stripe / referral models
- Teams seeking more control and better economics
A flexible path forward
Start here. Evolve when you’re ready.
Launchpay runs on the same platform as Payops, Infinicept’s solution for registered PayFacs. If you decide to become a full PayFac, your customers, agreements, and integrations come with you. No migration. No re-papering.
Take control of your payments strategy.
No setup fees. No platform fees. No exclusivity. Talk to an expert.