- PayFac-as-a-Service
Launchpay. Maximum Control. Zero Liability.
Launchpay is PayFac-as-a-Service that gives software platforms full control over pricing, gateway, and merchant relationships, without becoming a PayFac or taking on risk.
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:
- Trading less complexity for less control
- Faster speed to market for less ownership
- More revenue for more risk
It doesn’t have to work that way ->
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. Launchpay 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. Choose your gateway, brand every touchpoint, and configure the experience for your customers.
02
Your revenue.
Own your merchant relationships and set your own pricing from day one. Your revenue model, your way.
03
Our expertise.
Launchpay holds PayFac registration and manages underwriting, compliance, risk, and 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.
Pricing Control
You set the rates your customers pay. Flat rate or interchange-plus, with the ability to break it down by card-present, card-not-present, or card brand. Your margins, your go-to-market strategy.
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 Customer Relationships
Your customer relationships are contractually yours from day one. Portable agreements that travel with you. If you graduate to full PayFac, your customers, your data, and your integrations come with you.
Zero PayFac Liability
Launchpay holds PayFac registration and assumes responsibility for compliance, risk, fraud monitoring, and chargebacks. Our underwriting team reviews applications within a business day, with a 90%+ approval rate and 50% same-day decisions.
Transaction-Level Fee Visibility
See interchange fees on every transaction. Know exactly what you earn on every customer, every time. Available in your dashboard and via API.
One Platform. You Choose How Deep You Go.
Use our white-labeled portal and applications out of the box, or build your own experience entirely via APIs. Start with our tools and go deeper as you scale.
Built for how you accept
Card-present. Card-not-present. ACH. Digital wallets. All in one platform.
In-Person Payments
- Cloud-Based Terminals
- SoftPOS
- Kiosks
- Wireless Devices
Online & In-App
- Hosted iFrame
- 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 Applications
Branded, white-labeled applications tailored to your industry and customer types. Your sales team can pre-fill details or integrate directly with your CRM. See the full underwriting pipeline behind the scenes: application status, what’s pending, and what’s needed, with control over how and when you communicate with your customers.
Self-Service Customer Portal
A white-labeled, self-service portal where your customers manage their payments experience: view transactions, track deposits, understand fees, and handle disputes. Use our portal out of the box, or build your own using our APIs.
Funding and Settlement
Automated funding with configurable schedules. Full visibility into the funding pipeline, from settlement to deposit. A single reporting and funding instance handles both credit card and ACH. Your customers get paid reliably, and you see exactly when and how much.
Risk, compliance, and underwriting
We handle the complexity.
Underwriting and Merchant Approval
Applications go through auto-decisioning based on rules configured for your vertical and customer types. When deeper review is needed, real underwriters step in. Your team sees the full pipeline: what's approved, what's pending, and why. You control how and when you communicate with your customers about their application status.
Risk Monitoring and Fraud Prevention
Ongoing transaction monitoring identifies fraud and risk patterns across your portfolio. When issues surface, your team can provide context that helps Launchpay's decisioning, like financials or operational data you may already have. Launchpay acts on the risk. You stay in control of the customer relationship.
Chargeback Management
Launchpay handles chargebacks end-to-end, from dispute intake through resolution. You carry no liability for chargebacks or fraud losses. If you need to understand a decision or escalate an issue, you have direct access to the people who can help.
Compliance and Regulatory
PCI DSS certification, 1099 tax reporting, and card brand compliance, managed by a team with 100+ years of combined underwriting and risk experience. This is the team that championed the development of the ETA Payment Facilitator Guidelines.
Your team focuses on product and customers. Launchpay handles the rest.
Developer experience
API-first. 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.
Implementation experience
From first call to merchant activation, on your timeline.
A dedicated team guides you through every phase. You set the pace. Infinicept handles project management, technical integration, certification, and launch support, so your engineering team stays focused on your product.
Implementation
Testing
Soft Launch
Full Launch
Merchant Activation
Manage your program from one place.
- Transaction monitoring and portfolio overview
- Customer onboarding status and underwriting pipeline
- Funding status and settlement reporting
- Transaction-level fee transparency: see interchange fees on every transaction.
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 operating platform 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.