Question 1

What is MerchantFocus?

Accepted Answer

MerchantFocus is a PayFac-as-a-Service provider built for SaaS platforms and ISVs. We enable software companies to offer white-labeled, fully embedded payment processing to their merchants without becoming a registered Payment Facilitator themselves. MerchantFocus handles the compliance, underwriting, and infrastructure so you can focus on your product.

Question 2

What is PayFac-as-a-Service?

Accepted Answer

PayFac-as-a-Service allows software platforms and ISVs to offer native payment processing to their customers without becoming a registered Payment Facilitator themselves. MerchantFocus handles the compliance, underwriting, and infrastructure while you get the revenue share and a seamless embedded payments experience.

Question 3

How is MerchantFocus different from Stripe or Square?

Accepted Answer

Stripe and Square are direct payment processors built for end merchants. MerchantFocus is built for platforms. We white-label the entire payments experience so your customers never leave your product. You own the relationship, the brand, and a share of every transaction processed through your platform.

Question 4

How long does merchant onboarding take?

Accepted Answer

Most merchants are fully onboarded and processing payments within 48 hours. Our automated onboarding flow handles KYC, underwriting, and approval with no manual paperwork or lengthy back-and-forth.

Question 5

Do I need to be a registered PayFac to use MerchantFocus?

Accepted Answer

No. MerchantFocus operates as the PayFac of record, so your platform gets all the benefits of embedded payments including revenue share, white-labeling, and full control without the regulatory burden and capital requirements of becoming a registered PayFac.

Question 6

What industries does MerchantFocus support?

Accepted Answer

MerchantFocus works with SaaS platforms and ISVs across a wide range of verticals including retail, field services, healthcare, hospitality, professional services, and more. If your platform serves merchants who need to accept payments, we can support it.

Question 7

Is MerchantFocus fully white-labeled?

Accepted Answer

Yes. The entire merchant-facing experience including onboarding, the payments dashboard, statements, and support flows can be branded as your own. Your customers interact with your brand, not ours.

Question 8

How does revenue share work?

Accepted Answer

As a MerchantFocus partner, you earn a percentage of the interchange and processing fees generated by every merchant on your platform. The more volume your merchants process, the more you earn, creating a true recurring revenue stream that grows with your business.

Question 9

Is MerchantFocus PCI compliant?

Accepted Answer

Yes. MerchantFocus is PCI DSS compliant and handles the security and compliance requirements so your platform does not have to. We manage the infrastructure, tokenization, and data security standards on your behalf.