What Our Embedded Payments Service Covers
Program design. We help you determine the right payment facilitator model, pricing structure, and revenue share for your platform's transaction profile.
Implementation support. Our team works alongside yours to integrate payment infrastructure into your existing product, minimizing engineering lift and time to launch.
Underwriting & onboarding setup. We configure the risk and onboarding workflows your merchants will move through, tuned to your platform's vertical and risk profile.
Ongoing program management. Once live, we help monitor performance, manage risk exposure, and identify opportunities to grow payment revenue as your platform scales.
Dedicated customer service. Your platform and your merchants get a named account manager — a local payments professional available 24/7, not a 1-800 call maze. Real humans, fast answers, same team every time.
Who This Is For
Platforms that already have payment volume flowing through a third-party or legacy processor, and want to move to a model where they own more of the economics and the customer experience — without building payments infrastructure in-house from scratch.
PayFac-as-a-Service vs. Becoming a Registered PayFac vs. a Standard Merchant Account
Most platforms evaluating embedded payments are weighing three paths. Here's how they compare:
Becoming a registered PayFac. Full control over the program, the branding, and the economics — but also a seven-figure investment, 12-24 months to launch, and full liability for compliance, underwriting, and fraud.
PayFac-as-a-Service via Merchant Focus. You get most of the economics and the embedded experience — revenue share, white-labeling, control over the merchant relationship — without the build, the capital, or the compliance liability. Merchant Focus is the registered PayFac of record; you focus on your product.
A standard merchant account. The simplest option: your merchants get processing, you get little else. No revenue share, no embedded experience, no ownership of the payment flow. It works if you just need payments to function — but it leaves the economics and the relationship on the table.
For most SaaS platforms, PayFac-as-a-Service is the sweet spot: the revenue and control of embedded payments, without the cost and risk of becoming a registered PayFac.
Real Results
One of our partners — a youth-activity management platform — went from kickoff to processing live payments in under four days, starting implementation on a Wednesday and moving money by Friday.
"There were very few surprises [throughout implementation], which I wanted. I wanted it to be intuitive, guessable — all the good things you want in a software — and it was."
— Sean, CTO and Co-Founder
Want the full story? Read our youth activity platform case study.