Straight answers to the questions software companies ask us most. If yours is not here, talk to our team. We keep these answers current as the industry changes.
The basics
PayFac-as-a-Service lets a software company offer payments inside its product without registering as a payment facilitator itself. Your customers are onboarded under a provider's program, and the provider handles underwriting, risk, compliance and settlement infrastructure.
Embedded payments are payment features built directly into a software product, so customers can pay and get paid without leaving it.
linq is Merchant Focus's white-label PayFac-as-a-Service platform for SaaS companies and ISVs.
We are a payments company founded in 2004 and based in Portland, Maine. We help businesses and software companies accept payments.
Choosing an approach
A PayFac contracts with merchants and handles their funds under a bank's sponsorship. An ISO sells and supports merchant accounts but does not typically hold the funds. A PayFac-as-a-Service provider lets you use PayFac infrastructure without building it.
Not necessarily. Many software companies choose PayFac-as-a-Service because it offers much of the benefit with far less to build and maintain.
No. We will tell you if a simpler approach fits your needs better, or if your situation points toward a different model.
It depends on your situation. Talk to us about how a transition could work.
How it works
They apply inside your software. We handle verification, underwriting and approval.
Yes. linq is white-label.
Integrate linq with your platform and design the customer experience. We provide developer documentation and work with your team through launch.
Yes, at merchantfocus.docs.paymentsonline.io.
Card payments and ACH bank payments.
Revenue and pricing
Your platform earns a share of the revenue from the payments your customers process.
No. Pricing depends on your customers, your product and the services you want, so we discuss it directly.
Compliance and security
Each business is reviewed and verified before it can process, and monitored afterward.
How you integrate determines your scope. Hosted payment fields and tokenization keep card data off your systems and reduce the work involved.
We handle underwriting, risk monitoring and card network requirements for the program. You are responsible for your product, your customer relationships and the parts of compliance that relate to how you build and run it. We make the division clear before you sign.
Industries
Fitness and wellness, medical and healthcare, unattended and car wash, and other specialized software markets.
Often, yes. Tell us about your customers and we will give you an honest answer.
Getting started
Talk to our team. We will learn about your platform and customers, recommend an approach and map out next steps.