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Finix for Payfacs

Payments built for registered PayFacs

Optimize your payments processing with a modern technology partner that enables fast, reliable transactions, supported by industry leading uptime. Configure your specific payment needs with our tools to help you simplify and manage settlements, disputes, fees, and more.

Built with the needs of PayFacs in mind

Finix’s platform was built for PayFacs, and we continue to iterate and enhance features for their complex needs, making new features available via API for those who want complete control over their customer experience, and via the dashboard for those who want to move faster. By partnering with Finix, PayFacs maintain control while leveraging our payments technology.

Benefits for PayFacs include:

  • The ability to create a configurable and highly customized, white labeled payments experience for merchants

  • Optimized payments revenue with custom merchant fees

  • Onboarding and managing merchants at scale

  • Managing merchant payouts and disputes from your company dashboard

Payments technology you can count on

The Finix API handles billions of calls every year with industry leading uptime of 99.999%. Our payments tech is built with multiple failsafes in place to help ensure your transactions are successful.

Each PayFac’s needs are unique, which is why we built with optionality in mind. There are hundreds of ways to configure our platform to serve the unique needs of your business and that of your customers. With these flexible API configurations, you can create the customer experience you want with white labeled, embedded payments technology you can count on. Our APIs are intuitive, making implementation and maintenance a breeze.

Optimize your payments profit margin

You can leverage our custom fee profiles that cater to your customers’ various payment needs and methods. From your dashboard, set up fees for specific sellers, and we’ll automatically apply those fees to their transactions.

  • Set ACH fee minimums and maximums

  • Add international card fees

  • Utilize dynamic pricing that flexes up and down with the transaction interchange rate

Customizable merchant payout settings

Select your payout preferences per merchant. Settlement options include:

  • Net or gross payouts  

  • Daily or monthly payouts

  • ACH/EFT cadence - slow it down or speed it up

  • Fee management

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Merchant Underwriting Solution

Onboard more merchants, faster

Finix’s Merchant Underwriting solution helps you reduce time to decision and grow your business with automated underwriting workflows.

Easily collect merchant information, source risk data, automate decisioning and efficiently manage cases in a single place.

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Reporting and more for operations and finance power users

The Finix dashboard was built with payment operations users in mind. Get access to reporting with visibility down to the transaction level, manage disputes, configure your settlements per merchant, and so much more. 

Download or export your reports any time, filtering only the data you want to see:

Dispute reporting:
won, lost, and expired
Funding instructions: successful and failed
Authorizations: successful and failed
Settlement reports: including not yet funded settlements
Transactions: including reconciliation, exceptions
Interchange reports

Dedicated partners in growing your business

Interested in a becoming a PayFac? If you’re not already a payment facilitator, and think your company might be on the path to PayFac, we provide dedicated support and education to determine which payments strategy is right for you. 

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Hear from our customers

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We wanted to onboard with a company that we could grow with. A company that we can have an impact with and the ability to reach out and say “Hey, here’s what we need” and that understanding of what SaaS platforms like us are trying to achieve. That’s what drew us to Finix.

Jonathan Rat

Jonathan Rat | Co-Founder & CEO | Archy

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If you’re invested in your customer experience and you want a reliable partner that you can count on, it’s Finix!

KJ Singh

KJ Singh | CEO and Co-Founder | Sublime

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We started as a very small line of business team, but we quickly realized that payments were so core to our business, that we needed every department across the organization to adopt the mentality that we are not only a mobility company, we are also a payments company.

Kate Bothe

Kate Bothe | Passport


Start your path to payments ownership today

Create a seamless payment experience that drives customer engagement, using our end-to-end solution.

Contact SalesCreate Sandbox