PayFac-as-a-Service and Embedded Payments Advisory for Software Platforms

We help software platforms design, evaluate, and scale embedded payments. From strategy to execution, we focus on building a payments business that drives real results.

TRENDING INSIGHTS >

1 | Payment Facilitator Model

2 | PayFac-as-a-Service Model

3 | Embedded Finance

4 | Future Trends

Make Payments a Stronger Revenue Engine

The wrong payments partner can cost you revenue, frustrate customers, and slow your growth.

Choosing a provider is only part of the equation. Your payments strategy shapes your margins, customer experience, and ability to scale.

PayTech Partners helps software platforms launch or improve embedded payments with the right business model, provider, economics, and go-to-market plan.

We’ve vetted and worked firsthand with 30+ payments providers. We know where they deliver, where they fall short, and which tradeoffs matter for your business.

Independent advice. Better economics. Hands-on execution from strategy through launch.

WHAT WE DO

  • A structured, founder-friendly approach designed to move quickly without sacrificing long-term outcomes.

    1. Understand Your Business

      We start with your product, vertical, customers, and growth goals.

    2. Define the Right Payments Model

      We determine whether integrated payments, PayFac, or PayFac-as-a-Service is the right fit.

    3. Run an Objective Provider Evaluation

      We filter 30+ pre-vetted providers based on your business model and requirements.

    4. Compare Providers Side-by-Side

      You receive clear comparisons that show real tradeoffs, not marketing spin.

    5. Make a Recommendation

      We recommend the provider best aligned with your goals and future flexibility.

    6. You Make the Final Decision

      You stay in control with full transparency.

    7. Negotiate Commercials and Terms

      We support pricing, economics, and contract structure.

    8. Guide Implementation and Onboarding

      We lead onboarding and implementation to keep momentum high.

    9. Support Go-to-Market Strategy

      We help shape pricing, packaging, and rollout.

    10. Ongoing Strategic Support

      As you grow, we continue supporting your payments strategy.

  • Enjoy all the benefits of PayFac without upfront investments or ongoing overhead. Our team of expert advisors will help you navigate through the key steps and considerations to guide your selection process:

    • Reputation Review

    • Integration and Compatibility (APIs and SDKs)

    • Infrastructure Scalability

    • Pricing and Fees

    • Settlement Times

    • Dispute and Chargeback Management

    • Hardware Availability

    • Certified Gateway Capability

    • Reporting and Analytics

    • Compliance and Security

    • Regulatory Compliance

    • Contract Review

    • International and Multi-Currency Support

    • Customer Support

    • Infrastructure Scalability

  • Selecting the right Embedded Finance provider for your software business is a critical decision that will have significant implications for your company's operations and bottom line. Our team of expert advisors will help you deliver the most effective strategy.

    • Define Key Objectives

    • Reputation Review

    • Compliance and Security

    • APIs and Technical Infrastructure

    • User Experience

    • Pricing and Fees

    • Support and Maintenance

    • Flexibility and Future-Proofing

    • Legal and Financial

  • Become a Registered Payment Facilitator (Payfac). Our team of expert advisors will be your go-to resource for providing reliable insights about transitioning to a Payment Facilitator role:

    • Registration with Card Networks

    • Application and Fees

    • Underwriting and Risk Assessment

    • Compliance with Payment Card Industry Data Security Standard

    • Bank Sponsorship

    • Operational Infrastructure

    • Financial Requirements

    • Regulatory and Legal Compliance

    • Agreements and Reporting

    • Fraud and Chargeback Management

    • Audit Requirements

    • Insurance Requirements

From Payments Strategy to Execution

Embedded Payments Advisory

For software platforms launching embedded payments or switching providers, who need an independent expert to help guide the right decision and see it through.

  • Decide whether PayFac-as-a-Service, a referral model, or full PayFac fits your business

  • Model the revenue opportunity and choose the right monetization approach

  • Run provider selection based on fit, not sales cycles, and negotiate pricing and contract terms

  • Design merchant onboarding, underwriting, and payments workflows inside your product

  • Manage the launch or migration through go-live

Fractional Payments Leadership

For platforms already processing payments that need someone accountable for growing payments revenue and managing partners over the long term.

  • Serve as your fractional Chief Payments Officer, reporting to your leadership team

  • Manage provider relationships, SLAs, and quarterly performance reviews

  • Track payments revenue, adoption, and margins, and find ways to improve them

  • Own the payments roadmap as you add new products, markets, and partners

Ready to Make The Right Payments Decision?

If you are evaluating your payments strategy, we can help you move forward with clarity.

SCHEDULE A MEETING