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.
You’ve outgrown spreadsheets and disconnected tools.
You’re trying to build your first scalable operations platform.
You’re registering a brand-new PayFac.
You’re switching processors or sponsor banks.
You’re 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.
03
Scale without more headcount
Automate repetitive work while giving your operations team visibility into every merchant and transaction.
Your Brand. Every Touchpoint.
Merchants see your company, not ours.
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.
- White-labeled applications
- Merchant portals
- Branding across every merchant touchpoint.
- Custom workflows that match your operating model
Complete visibility across your program
One platform. Two connected views.
See every merchant, transaction, and risk signal in one place. No stitching exports together, no waiting on your processor, and a straight answer when a sponsor or a merchant asks. Your merchants get a branded portal for their own payments, fees, and funding, so they open fewer tickets and have one more reason to stay.
- Operations
PayFac portfolio operations
- Onboarding and underwriting status
- Portfolio oversight
- Funding controls
- Risk and exceptions
- Merchant support
- Portfolio reporting and exports
- Merchants
Self-service merchant portal
- Self-service account access
- Their transactions
- Their fees
- Their deposits and funding
- Dispute submission
- Statements & reporting
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.
Infinicept
Open by design
- Work with multiple processors
- 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
Today’s platforms
Closed by default
- Locked to one processor and gateway
- Tied to a single sponsor bank
- A closed system you can’t build on
- Hard to change as you grow
- No portability
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.
Infinicepts Payops 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 along.
Automated by Payops
- Chargeback monitoring
- Fraud alerts
- OFAC
- MATCH
- Risk thresholds
- Data export
- PCI scope reduction
Handled by experts
- 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 comes 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’s customers blamed WorkWave when payments went wrong, even though the real problem was a third-party processor it didn’t control. Support was slow. Fees changed with no explanation. No one could see what payments actually cost. And stuck in a templated system, WorkWave couldn’t offer the payment types its customers kept asking for.
So it took control. The field service software company behind brands in pest control, lawn care, cleaning, and security became the first PayFac in its industry and moved onto Payops.
Today it underwrites its own risk, runs its own gateway, and gives customers one branded portal from underwriting through payout, at one transparent rate. Its customers save 15 to 40 percent on processing, and WorkWave has built new financial products on top, starting with a business-builder credit card.
15–40%
decrease in processing costs after switching to Payops.
“You need a partner who takes the time to understand your business. We found that partner in Infinicept.”
– WorkWave
Before
- Blamed for processor's failures
- Slow support when payments broke
- Fees that changed with no explanation
- No visibility into the flow of money
- Limited to the payment types the processor offered
- Couldn't build the features customers wanted
After
- Underwrites its own risk, on its own gateway
- One rate, one fee, fully transparent
- Check scanning, Apple Pay, Google Pay, card present
- One portal from underwriting to payout
- A family of brands on one platform
- Launched a business-builder credit card
“Infinicept’s platform gives us the flexibility we need to create a solution tailored to meet our customers’ needs. We are able to offer flexible fee billing options allowing each customer to pick what was best for their business.”
— WorkWave