The embedded finance market—including Payfac-as-a-Service—is projected to exceed $7 trillion in global transaction volume by 2030. That’s not a blip—it’s a massive shift in how businesses are managing money.
If you’re running a SaaS platform, marketplace, or digital-first business, you’ve probably already bumped into the complexities of payment processing. The fees. The compliance. The onboarding headaches. It’s a lot. But it doesn’t have to be.
What Is Payfac-as-a-Service?
Payfac-as-a-Service (Payment Facilitator as a Service) is a model that lets you embed and manage payments directly within your platform—without becoming a registered payment facilitator yourself.
You get the benefits of owning the payment experience. But your provider (like Usio) handles the compliance, risk, and infrastructure behind the scenes.
Why Payfac-as-a-Service Beats Traditional Payment Models
1. Instant Merchant Onboarding
Tired of waiting days (or weeks) to onboard your users to payment services? With Payfac, you can onboard sub-merchants in minutes—not days. That means less drop-off, faster revenue activation, and better user experiences.
2. Full Control Over the Payment Experience
Forget sending your customers to third-party portals. With Payfac, you own the UX. You decide how payments look and feel inside your app or platform. It’s seamless. It’s branded. It’s yours.
3. Revenue Sharing & Monetization
When you embed payments, you create a new revenue stream. With Payfac-as-a-Service, you can earn a slice of the transaction volume that flows through your platform—without the burden of becoming a full Payfac.
4. Simplified Compliance & Risk Management
PCI DSS? KYC? AML? Yeah—we handle that. Partnering with a Payfac provider means you get enterprise-grade security, compliance, and fraud protection baked in.
You stay focused on your business. We cover the back end.
5. Faster Time to Market
Building your own payments infrastructure takes months (if not years). With Payfac-as-a-Service, you launch in weeks. No need to navigate card networks, sponsor banks, or regulatory hurdles.
Is Payfac-as-a-Service Right for You?
This model is a great fit if:
- You operate a platform or marketplace where users need to accept payments.
- You want to monetize payments without becoming a full Payfac.
- You’re scaling and need a secure, compliant, flexible solution.
- You want to elevate your product with integrated payments.
Why Businesses Choose Usio for Payfac-as-a-Service
At Usio, we make Payfac-as-a-Service easy, secure, and tailored to your needs. Whether you’re onboarding thousands of sub-merchants or just getting started with embedded payments, we’re here to help you own the experience—without owning the risk.
Our white-labeled solution comes with everything you need: fast onboarding, robust compliance, customizable workflows, and scalable APIs. And yes—we share revenue.
Let’s make payments the best part of your platform. Contact Usio today and see how our Payfac-as-a-Service can take your business further, faster.
