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.
Sound familiar?
Running a PayFac can get complicated fast.
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 under pressure from your sponsor or the card brands.
The tools you’re running on are working against you, not for you
One system, not ten
The bigger your PayFac program gets, the more there is to manage.
Underwriting in one place, funding in another, risk in a spreadsheet, support somewhere else. Every merchant you add makes it heavier. Payops runs the whole operation in one system, so a bigger program doesn’t mean a bigger mess.
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.
Growth without rebuilding
Every new brand shouldn't mean a new system.
As you add verticals, segments, or acquired brands, most platforms force a bad trade: run each one separately, more systems, more cost, more to run, or force them all into one rigid setup that fits none of them.
With Payops, you can simulataniously run multiple brands or segements from the same platform. Each with 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
Nobody in the dark
See your whole portfolio. Let your merchants see theirs.
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 Orchestrate as a 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
As your business evolves, your platform evolves with it.
The pressure that never lets up
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.
Infinicept’s Payops platform handles the monitoring and screening that keep you inside card brand and sponsor rules, and our experts are available to help with 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.
You're in good hands
Backed by the people who helped build the PayFac industry.
Industry expertise isn’t an add-on. It’s built into everything we do.
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.
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 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 their own risk
- 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