Best Payment Facilitation (PayFac) Platforms in the USA

NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently.

Convesio is a next-generation hosting and payment platform built to help commerce businesses grow faster, smarter, and more securely. Designed for WordPress and WooCommerce, Convesio combines high-performance hosting with an integrated payment ecosystem — ConvesioPay — that streamlines how merchants accept, process, and manage transactions online. With ConvesioPay, businesses get access to fast, secure payment processing that’s deeply connected to their hosting environment. This means lower latency, fewer plugin conflicts, and real-time visibility into revenue performance — all from a single dashboard. Combined with Convesio’s scalable container-based hosting, built-in caching, and advanced uptime management, the result is an optimized foundation for conversion, reliability, and growth. From startups to enterprise-level ecommerce operations, Convesio empowers merchants to focus on selling — not managing servers or chasing integrations.

Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.

The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.

Stax empowers software platforms, small businesses, and large businesses, through simplified, industry-leading integrated payment and recurring billing solutions. Stax Connect is an unmatched payment ecosystem that enables unparalleled portfolio growth through technology and payment monetization. Radically simplify the ability for ISVs to power their payments with Stax’s developer-friendly API, offering a single integration that provides access to best-in-breed tools needed to provide payment acceptance capabilities, eliminating the time and costs associated with other “PayFac in a box” offerings. Secure in-person and online credit card payment processing with Stax Pay. An all-in-one business management platform built to help you run and grow your business.

BlueSnap's All-in-One Accounts Receivable Automation solution, formerly Armatic, is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: BlueSnap provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: BlueSnap is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery.

Payrix is on a mission to be the global leader in embedded payments for vertical software businesses. We are committed to giving our clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix clients including Real Green Systems, Storable, iClassPro and SupporterHub have harnessed our unique, all-in-one platform — combined with a white-glove approach — that enables them to capitalize on the opportunities within embedded payments for growth, innovation, and transformation.

CORE brings together payment processing, revenue cycle management, secure payment gateways, automated reconciliation, and a comprehensive consumer engagement solution, robust integrations – all supported by comprehensive analytics that drive insight into your critical revenue-related workflows. Thousands of enterprises use CORE’s solutions to accept, reconcile, and drive more insight into their revenue cycle. With CORE you can modernize connected payment and engagement experiences.

Finix's Payments Infrastructure-as-a-Service decreases the time, cost, and headache SaaS businesses, ISVs, and marketplaces experience when bringing payments in-house. The Finix Professional Services (FPS) team wrote the book on the payment facilitation model. Simply stated, a payment facilitator is a technology company that provides a payments solution to the sub-merchants it sponsors or underwrites. We’re committed to exceeding the highest global data security standards. Our team works with regulators around the world to ensure our platform adapts to ever-changing regulatory requirements so you don’t have to. Payments ownership gives companies the ability to earn more revenue, enhance product experiences, and delight customers. Finix Flex helps fast-growing software companies monetize their payments today while putting them on the path to full payment facilitation. When you’re ready to make the transition, remain on the same Finix platform to avoid switching costs.

Many companies promise quick and simple payments acceptance. But off-the-shelf payments solutions come with trade-offs. You may be giving up payments revenue, ownership of your data, and control over your payments product and your customer experience. Offer your customers a customized payment product where they control fees, funding schedules, onboarding decisions, and the entire payment process. Build payment solutions how you choose with the ability to change if and when necessary. Generate additional payments revenue you used to hand over to third parties. This new cashflow can increase your valuation exponentially. Ongoing risk and compliance monitoring designed by those who wrote the book on risk and compliance. Industry-best KYC processes, customizable merchant application, triggered underwriting, and integrated boarding services.