Become a PAYSTRAX PayFac Partner
Power card acquiring your way with PAYSTRAX’s infrastructure behind you.
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What is PayFac partnership model?
PAYSTRAX offers flexible PayFac partnership models designed for regulated financial institutions that want to provide their own branded payment acceptance service with full control over their customer lifecycle, without the need to build and maintain full acquiring capabilities in-house.
Our PayFac Partnership models provide a complete technological, operational, and compliance-ready foundation, enabling partners to launch, manage, and scale card acquiring efficiently while maintaining control over their merchant relationships and revenue strategy.
Whether you are an established Payment Facilitator with in-house onboarding, risk, and AML capabilities, or a regulated entity that prefers to delegate onboarding, due diligence, and compliance to a trusted acquirer, our PayFac models adapt to your regulatory readiness and operational maturity.
Our licences
PAYSTRAX holds a Principal Membership licence with Visa and Mastercard and is an authorised Payment Institution in the EU and the UK, allowing us to provide acquiring services across all EEA countries, as well as Switzerland, Gibraltar, and other permitted jurisdictions, in line with regulatory and card scheme requirements.
Principal acquiring licence with Visa
Principal acquiring licence with Mastercard
Enable Apple Pay acceptance
Enable Google Pay acceptance
INTEGRATION
Various integration options tailored to your setup
The platform offers multiple integration options tailored to different technical and PCI compliance needs, including Server-to-Server API, Copy & Pay (hosted) solutions, and additional integration methods.
Both PCI-compliant and non-PCI setups are supported.
PARTNERSHIP BENEFITS
Smart payments infrastructure behind your brand
Revenue Share Model
Flexible revenue-sharing options for PayFac partners, aligned with margin-based models, supporting scalable business growth and long-term profitability.
Dedicated Partner Account Manager
Hands-on support from PAYSTRAX’s dedicated partner account management team, ensuring smooth onboarding, operational alignment, and ongoing collaboration.
PF White Label Card Processing
Offer fully white-labelled acquiring solutions under your own brand, with the flexibility to manage sub-merchants directly or rely on PAYSTRAX for operational and compliance execution.
Pricing Model
Flexible and transparent pricing, including IC++ and margin-split structures, designed to support competitive pricing strategies across diverse merchant portfolios.
Revenue Share Model
Flexible revenue-sharing options for PayFac partners, aligned with margin-based models, supporting scalable business growth and long-term profitability.
Dedicated Partner Account Manager
Hands-on support from PAYSTRAX’s dedicated partner account management team, ensuring smooth onboarding, operational alignment, and ongoing collaboration.
PF White Label Card Processing
Offer fully white-labelled acquiring solutions under your own brand, with the flexibility to manage sub-merchants directly or rely on PAYSTRAX for operational and compliance execution.
Pricing Model
Flexible and transparent pricing, including IC++ and margin-split structures, designed to support competitive pricing strategies across diverse merchant portfolios.
Quick and easy onboarding just a few steps away!
Submission
Submit the form on our website or email us info@paystrax.com with information about your company and the types of clients you work with.
Initial call
Our team will have an initial call to learn more about your business and understand your requirements in order to recommend the most suitable PayFac Model.
Pre-check & Commercial Proposal
Our team will carry out a pre-check to ensure your eligibility for the PayFac partnership model. A commercial proposal would then be presented for review and approval.
Onboarding
Onboarding as a partner begins with sessions covering our set-up process and technical specifications. From there, merchants can start being signed up.
Frequently asked questions
Is a financial licence required to become a PAYSTRAX PayFac partner?
Yes, a financial licence is typically required to operate under the PayFac partnership model. Exact requirements may vary depending on the level of control and responsibilities the partner takes on.
What are the requirements if we choose to onboard merchants directly and handle compliance?
Partners must maintain approved onboarding procedures, AML/CTF frameworks, transaction monitoring systems, and chargeback and fraud controls, aligned with PAYSTRAX and card scheme requirements.
Do we need to be members of Visa or Mastercard?
No, acquiring is processed through PAYSTRAX’s existing card scheme licenses. However, there may be separate Payment Facilitator registration with card schemes required for partners.
What PayFac models are available?
We currently offer two models: 1. PayFac Partnership – for licensed institutions that onboard merchants, conduct KYC/AML, and manage risk independently. 2. Acquiring as a Service (AqaaS) – for partners that retain the merchant relationship while PAYSTRAX handles onboarding, underwriting, and compliance.
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