Becoming your own Payment Facilitator (PayFac) sounds great—until you realize it’s a regulatory nightmare, a financial black hole, and takes longer than your last DIY home improvement project (which, let’s be honest, is still unfinished).
Fortunately, PayFac-as-a-Service (PFaaS) exists to save you from the $1M+ upfront cost, 12+ months of setup time, and the headaches that come with managing payments, compliance, and risk. But not all PFaaS providers are created equal. Some will actually pick up the phone when you call. Others… well, let’s just say you’ll have a better chance of getting a response from a carrier pigeon.
So, which fintechs offer the best PayFac-as-a-Service? Let’s break it down.
1. Usio – PayFac-as-a-Service Without the Drama
Best for: SaaS companies that want revenue share, fast onboarding, and actual human support.
Usio makes becoming a PayFac pain-free, letting SaaS platforms monetize payments without the heavy lifting. Instead of spending a year (or more) navigating regulatory red tape, Usio gets you up and running fast—and lets you actually make money from payments instead of just processing them.
Biggest Perk: Generous revenue share (up to $1M+ per year for some partners). You make money while Usio handles the hard stuff.
Extra Goodies: Invoice print & mail (yes, they’ll mail 100K+ invoices for you), prepaid card issuing, and tailored support for healthcare, legal, logistics, insurance, CRMs, ERPs, fintechs, SaaS and many others.
Customer Support Rating: 10/10 – Actual humans answer the phone.
2. Payrix – Flexible, but Bring a Developer (or Five)
Best for: SaaS companies willing to invest developer time into embedded payments.
Payrix is a solid PayFac-as-a-Service solution, but it’s not for the faint of heart. The customization is there, but so is the technical complexity. If you have a team of engineers who love APIs and long nights debugging code, Payrix might be a good fit.
Biggest Perk: Deep customization for SaaS platforms
Biggest Challenge: Requires heavy integration work – DIY-ers, beware!
Customer Support Rating: 7/10 – Good luck if you don’t have dev resources.
3. Finix – The Startup-Friendly PayFac
Best for: Venture-backed SaaS companies that need flexible payment infrastructure.
Finix positions itself as the “Stripe alternative” (because let’s face it, Stripe won’t answer your support emails). It offers embedded payments, revenue sharing, and a solid API—but like Payrix, you’ll need developers to make it work.
Biggest Perk: Handles compliance, risk, and merchant onboarding so you don’t have to.
Biggest Challenge: Not as easy to implement as it sounds.
Customer Support Rating: 6/10 – You might get a response. Eventually.
4. Adyen – Enterprise-Grade, but Not for Everyone
Best for: Huge corporations that need global payments and don’t mind complexity.
Adyen is Stripe’s bougie cousin, powering payments for companies like Uber and Netflix. It’s incredibly robust, but unless you’re running a billion-dollar business, it’s probably overkill.
Biggest Perk: Global reach and enterprise-grade security.
Biggest Challenge: Not built for smaller SaaS platforms.
Customer Support Rating: 5/10 – You might get help… if your transaction volume impresses them.
5. Stripe – The Black Hole of Customer Support
Best for: People who love chatbots, forum scavenger hunts, and sending support tickets into the void.
Look, Stripe is great for startups that just need a plug-and-play solution. But if you think you’re getting a real, live human to help with your PayFac setup, well… let’s just say you’d have better luck getting Taylor Swift tickets at face value.
Biggest Perk: Powerful APIs, massive ecosystem.
Biggest Challenge: Revenue share? Forget it.
Customer Support Rating: 2/10 – Ever shouted into the abyss? That’s Stripe support.
6. Worldpay – The OG, but a Bit Outdated
Best for: Large enterprises that don’t mind legacy infrastructure.
Worldpay has been around forever, and it’s still a go-to for many businesses. But if you’re looking for a modern, developer-friendly PayFac solution, this probably isn’t it.
Biggest Perk: Global payments, traditional acquiring.
Biggest Challenge: Feels like using 2005-era technology.
Customer Support Rating: 5/10 – They’ll answer, but expect a lot of paperwork.
Final Verdict: Which PayFac-as-a-Service Provider Should You Choose?
If you want a simple, profitable way to embed payments into your SaaS platform without spending a year becoming a full-blown PayFac, Usio is the best choice.
- Want revenue share and fast onboarding? Usio
- Have developers ready to tackle APIs? Payrix or Finix
- Need a global enterprise solution? Adyen or Worldpay
- Enjoy waiting days for customer support? Stripe
At the end of the day, PayFac-as-a-Service should make your life easier, not harder. So, unless you really enjoy long, painful customer support experiences (looking at you, Stripe), it’s time to choose a partner that actually answers the phone.
Ready to Monetize Payments Without the Headaches?
If you’re done DIY-ing payments and want a better, more profitable way, check out https://usio.com/usio-payment-facilitation/ today.
