For Registered Payment Facilitators
Your PayFac program, on your terms.
Operate your payment facilitation program with the control, flexibility, and infrastructure required to scale. Infinicept gives registered PayFacs the platform to own underwriting, manage operations, reduce compliance burden, and avoid vendor lock-in without sacrificing speed or support.
Built for Registered PayFacs
Built for the realities of running a registered PayFac.
Are you outgrowing spreadsheets and disconnected tools.
Are you building your first scalable operations platform.
Are you launching a brand-new payfac.
Are you switching processors or sponsor banks.
Are you recovering from a compliance or regulatory event.
No matter how you got here, the challenge is the same: you need a platform that gives you more control, not more complexity.
The Platform
Everything required to operate your PayFac, without stitching together multiple systems.
01
Own your underwriting
Configure underwriting rules around your own risk strategy while combining automation with manual review when needed.
02
Simplify merchant operations
03
Scale without more headcount
Automate repetitive work while giving your operations team visibility into every merchant and transaction.
Your team spends less time managing systems and more time growing the business
Your Brand. Every Touchpoint.
Your merchants see your company, not ours.
- White-labeled applications
- Merchant portals
- Branding across every merchant touchpoint.
- Custom workflows that match your operating model
Each brand runs as its own fully configured program: its own application, underwriting rules, pricing, terms, even its own processor, all from one platform. Serve new verticals or run acquired brands without standing up a separate stack for each.
Complete visibility across your program
See everything happening across your portfolio.
- Operations
PayFac operations dashboard
- Onboarding and underwriting
- Portfolio oversight
- Funding
- Risk
- Merchant support
- Reporting
- Merchants
Merchant portal
- Payments
- Fees
- Funding
- Disputes
- Self-service
Your team and your merchants work from connected experiences. A branded, self-service portal gives merchants clear visibility into their payments, fees, and funding, which keeps them engaged and harder to displace, protecting your economics while reducing your support load.
Freedom Without Lock-In
Your business shouldn’t be limited by your platform.
Most platforms lock you into a single processor, a single sponsor bank, and a closed system you can’t extend. When your business changes, or the market consolidates around you, that lock-in becomes a liability: you’re stuck, or you’re re-platforming. Infinicept is built the opposite way, so your program can evolve as your business does.
Today’s platforms
Closed by default
- Locked to one processor
- Tied to a single sponsor bank
- A closed system you can’t extend
- Hard to change as you grow
Infinicept
Open by design
- Work with multiple processors, and switch when you need to
- Choose your sponsor bank, or run more than one
- Use Infinicept’s gateway or bring your own
- Build on the API or run everything from the UI
- Open architecture you can extend and integrate
Reduce Operational & Compliance Risk
Stay ahead of compliance, not behind it.
Sponsor and card brand compliance never stops, and it’s where the cost of getting it wrong is highest: wasted hours, financial exposure, and reputational damage. Infinicept lightens the load from both sides. The platform handles the monitoring and screening that keep you inside card brand and sponsor rules, and our experts carry the reporting, audits, and oversight you’d otherwise spend your team’s time on. Less compliance and reporting burden on your team, and no scramble when a review comes.
Platform helps you
- Chargeback monitoring
- Fraud alerts
- OFAC
- MATCH
- Risk thresholds
- Data export
- PCI scope reduction
Experts help you
- Sponsor readiness
- Audit support
- Compliance guidance
- Risk oversight
- Regulatory expertise
Managed Services
Extend your team, only where you need it.
Infinicept offers modular Managed Services so you can add expertise exactly where you need it. Whether you want to avoid hiring full-time staff altogether, or lean on us as you start and bring functions in-house as you scale, our experts are an extension of your team.
Pedigree
Built by the people who helped build the PayFac industry.
Industry expertise isn’t an add-on. It’s built into the platform.
01.
- Advised the first companies that became Stripe and Shopify, before embedded payments was a category.
02.
- Infinicept founders led the development of the ETA Payment Facilitator Guidelines.
03.
- Created the Embedded Payments Bill of Rights
04.
- Trusted by banks and PayFacs around the world.
When your challenge extends beyond software, our advisory team helps navigate sponsorship, compliance, audits, and strategic growth.
What’s next
Your PayFac program is the foundation for embedded finance.
Software
Payments
Merchant relationships
Embedded finance
Long-term growth
Once you own the payments program, financial products become the natural next layer: business credit, lending, and more, embedded in the software your merchants already use. Owning the program is what makes that possible.
Customer story
How WorkWave took control of its payments business.
WorkWave, the field service software company behind brands in pest control, lawn care, cleaning, and security, had outgrown a third-party processor its customers blamed it for. It became the first PayFac in its industry and moved onto Payops to take control. Today it runs its own underwriting and gateway, operates a family of brands from one platform, and gives customers a single branded portal from underwriting through payout. Customers saw 15 to 40 percent lower processing costs after the switch, and WorkWave has since built financial products like a business credit card on top of the program it owns.
Before
- Third-party processor
- Limited flexibility
- Poor customer experience
- Little visibility
After
- Own underwriting
- Own gateway
- Multiple brands
- Unified portal
- Flexible pricing
- Modern payments
15–40%
lower processing costs after switching to Payops.
WorkWave · 2024
“Infinicept’s platform gives us the flexibility we need to create a solution tailored to meet our customers’ needs, including flexible fee billing options that let each customer pick what works best for their business.”
— WorkWave
“You need a partner who takes the time to understand your business. We found that partner in Infinicept.”
— WorkWave