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How We Beat Stripe and Helcim Control, Simplicity, and Cost. Running a business today means more than just accepting payments; it’s about owning your entire payment experience. For direct merchants, that means cutting unnecessary costs, getting set up fast, and making it easy for cardholders to pay.. This is precisely where Finix outperforms legacy processors like Stripe and Helcim. While many competitors cater to platforms or add layers between you and your money, Finix is a direct acquirer and processor, giving you end-to-end ownership and savings of up to 40%. Whether you’re running a retail shop, service business, or multi-location store, Finix provides simple, transparent, and flexible payment solutions without forcing you into one-size-fits-all pricing or complicated tech setups.

You’ve probably heard that becoming a Payment Facilitator (PayFac) is the ultimate shortcut to owning your payments stack, unlocking new revenue, and scaling faster. It’s tempting to think of the PayFac model as a plug-and-play solution, just flip the switch, and start earning on every transaction. But here’s the truth: while the PayFac model holds massive upside, most business owners underestimate the responsibilities, hidden costs, and compliance rigor that come with it. From shared liability and reserve capital requirements to interchange unpredictability and fraud exposure, being a PayFac means stepping into a highly regulated ecosystem governed by card networks, sponsor banks, and ever-changing compliance expectations. Misunderstanding these fundamentals can result in lost revenue, reputational risk, or worse, program shutdowns. This guide cuts through the hype and dives into what the PayFac model actually entails. We’ll decode the tech stack, clarify common myths, and reveal how modern platforms like Finix make it possible to embed payments while maintaining control. Along the way, we’ll highlight what sets Finix apart, including our 99.999% uptime, configurable risk infrastructure, and same-day onboarding capabilities, so you can decide what level of payments ownership is right for your business. Start your path to payments ownership today.

Own the Future of In-Person Payments in 2025 Contactless transactions are now the norm, EMV (refers to the chip card technology standard (developed by Europay, MasterCard, and Visa) that secures payment card transactions) adoption is nearly universal, and (Point of Sale) POS is projected to process over $5.63 trillion globally by 2027. As consumers demand more convenience and businesses scale across channels, your payments infrastructure must keep up. That means more than just having a working card reader. It’s about delivering reliable, secure, and omnichannel-ready payment experiences, from curbside pickup to mobile checkout to kiosk-based vending. It’s also about reducing your PCI burden, minimizing fraud, and making data-driven decisions in real time. As payments become more complex, merchants and platforms can no longer rely on patchwork solutions. With Finix’s unified API, 99.999% uptime, and the ability to manage multiple form factors and large fleets of devices, you can control your in-person payments without compromise while future-proofing for what’s next in the market. Streamline your in-person payments with Finix: See how