Payments aren’t just a feature anymore - they’re a growth engine. Vertical SaaS platforms and marketplaces are realizing that embedded payments can drive revenue, increase retention, and create stickier merchant relationships.
But there’s a catch: building payments infrastructure in-house is complex. Regulations, compliance, risk management, card network rules, and onboarding flows are massive barriers. Attempting to handle all of this internally can slow you down and distract your team from your core product.
This is where PayFac-as-a-Service (PFaaS) comes in. PFaaS provides a full payments infrastructure to SaaS platforms and marketplaces, letting your platform act like a PayFac - without the complexity of becoming one.
PFaaS providers like Unipaas give you all the tools and infrastructure of a PayFac, without requiring you to become one yourself. You deliver a branded, seamless payments experience to your merchants, while we handle the complexity in the background: onboarding, KYC, compliance, risk, and settlement.
With PFaaS, you get all the benefits of a PayFac - branded merchant experience, new revenue streams, more control - without the operational burden. We manage everything behind the scenes: underwriting, onboarding, compliance, fraud monitoring, settlement, and risk.
In short: building a PayFac is like constructing a car from scratch. Unipaas PFaaS is like a fully managed operational lease - you get a fully equipped Tesla, branded with your logo and ready to drive.
Becoming a PayFac can take years - licensing, regulatory approvals, compliance infrastructure. With PFaaS, you can launch embedded payments in weeks, not years.
Fraud, chargebacks, and regulatory fines aren’t just headaches - they can sink your business. PFaaS providers absorb that risk, letting you focus on growing your platform.
Merchants sign up and process payments under your brand. From onboarding to payouts, they see you as their payments provider - while we power everything behind the scenes.
Payments can turn from a cost center into a profit driver. By embedding payments, SaaS platforms can unlock new revenue streams and boost ARPU by 5–10x.
Instead of becoming a payments company, stay a product company. PFaaS lets you deliver world-class payments without shifting your team’s focus from your core product.
The market is moving fast. SaaS platforms that embed payments not only unlock new revenue - they build stronger merchant relationships and create competitive moats. Platforms that don’t embed payments risk losing merchants to competitors that do. PFaaS is the fastest path to get there, giving you the power of a PayFac without the friction. You can deliver a modern, branded payments experience that fuels growth.
The right payment solution isn’t just about processing transactions - it’s about creating stickiness with merchants, boosting revenue, and unlocking new business models. SaaS platforms shouldn’t have to choose between building payments infrastructure from scratch or giving up control to a generic provider. With PayFac-as-a-Service, you get the best of both worlds: the control and branding of a PayFac, with the speed, safety, and expertise of a partner who manages the complexity for you.
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