Resource Hub: Guides

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

What’s the Difference Between a Payment Gateway vs Payment Processor? When a customer pays, payment gateways and processors work together behind the scenes, but they serve different roles. The gateway captures and secures payment info, while the processor handles transaction approvals and fund transfers. Understanding their differences is essential for building efficient, scalable payments infrastructure. Choosing whether to separate or unify these roles affects cost, control, and speed. This post breaks down what each does and how to optimize your setup.

Why are Instant Payouts a Competitive Advantage? In today’s competitive landscape, there’s a growing need to reliably deliver funds quickly to sellers and service providers. Instant payouts have become a key differentiator, helping platforms build trust, boost satisfaction, and scale faster. Finix’s Payouts platform meets this demand by enabling platforms across North America to offer faster funds and stronger, more resilient businesses.

How Hidden Dues and Assessment Fees in Credit Card Processing Cut Into Your Profits

In the rapidly evolving world of fintech and software, one transformative trend is redefining how platforms grow, scale, and engage their users: white-label payment infrastructure. As vertical SaaS companies increasingly embed payments directly into their platforms, they gain unprecedented control over revenue streams, customer experience, and operational agility. Finix stands out as a leader in this space, offering modular, developer-friendly, and fully customizable payment solutions that empower platforms to own the entire payment journey, seamlessly and at scale.