Payment orchestration for high-ticket businesses.
BNPL, cards, wallets, and bank payments across every major provider — routed intelligently, balanced across MIDs and banks, and owned entirely by you.
Non-recourse lender-funded financing · Multi-MID redundancy · White-glove onboarding
•••• 8891 · EXP 03/26
PFL_TKN_7f3a9b2cRouting decision
Authorization rate
94.6%
ONE INTEGRATION. EVERY WAY YOUR CUSTOMER WANTS TO PAY.
Sell more by removing the price objection.
Financing for the ticket you actually sell
A $10,000 program doesn't fail because of your close rate. It fails because the card has a $4,000 limit. Split it into payments and the objection disappears.
Never depend on one processor again
Multiple MIDs, multiple banks, multiple providers. When one goes down or slows, traffic reroutes automatically. Your checkout doesn't blink.
Placed with the right bank
Most declines happen before anyone reads the file — the category code decides. We put your business in front of underwriters who work with high-ticket service companies, and route it to the bank most likely to support it.
30–50%
Lift in average ticket size when pay-over-time is offered online
RBC Capital Markets research (2021), as cited by Harvard Kennedy School (2022)
20–30%
Higher checkout conversion when BNPL is available at point of sale
RBC Capital Markets research (2021), as cited by Harvard Kennedy School (2022)
47%
of American consumers have used a buy-now-pay-later service
LendingTree consumer survey, 2026
Figures reflect published third-party industry research on BNPL and point-of-sale financing — not PayFull performance data.
ORCHESTRATION
AI-Powered Routing
Optimize where each transaction is sent based on BIN, geography, card type, and ticket size — in real time.
- ✓ No-code routing logic builder
- ✓ Maximize approvals and reduce processing costs
- ✓ Smart cascading and dunning rules
- ✓ Automatic failover between MIDs, banks, and providers
•••• 8891 · EXP 03/26
PFL_TKN_7f3a9b2cRouting decision
Authorization rate
94.6%
Orchestration, PayFac, Merchant of Record, or your own MIDs. Or all of them at once.
Most platforms make you pick one and live with its trade-offs. PayFull sits above all of them, so you can run whichever model fits each product, each geography, and each stage of your business — and switch without re-integrating.
Orchestration
The layer that ties it all together. One integration, every provider, intelligent routing across all of them.
- ✓ One API for every rail
- ✓ Provider-agnostic — swap without re-integrating
- ✓ Real-time failover
Merchant of Record
We take on the compliance, tax, and liability burden so you can launch fast — without giving up your customer data or your tokens.
- ✓ Fastest path to live
- ✓ Sales tax and VAT handled
- ✓ Chargeback and compliance cover
PayFac
Sub-merchant accounts, provisioned in days. Onboard, underwrite, and go live without a months-long bank application.
- ✓ Days to approval, not months
- ✓ Split payments and marketplace flows
- ✓ Instant sub-merchant onboarding
Direct MIDs & Traditional Processing
Your own merchant accounts with your own acquiring banks. Maximum control and portable operations.
- ✓ Your MID, your name, your relationship
- ✓ Direct acquiring relationships
- ✓ Portable configuration
The point isn't which model you pick. It's that you never have to be stuck in one.
Compare the models →OWNERSHIP
You own your subscriptions. You're not renting them.
When a Merchant of Record holds your customers' payment credentials, they hold your business. Change platforms and you start from zero — every subscription cancelled, every card re-entered, every renewal lost.
PayFull's Token Vault is network-tokenized and yours. Your tokens work across every provider we route to. If you ever leave, they leave with you.
- ✓ Network tokens that survive card reissues and expirations — fewer failed renewals
- ✓ Portable across every processor in your routing stack
- ✓ Provider-agnostic: switch acquirers without asking a single customer to re-enter a card
- ✓ Exportable on request
BNPL that actually works at $5,000, $15,000, and $50,000.
Most BNPL is built for a $120 pair of sneakers. Pay-in-4 on a $20,000 program is not a payment plan, it's a $5,000 down payment. PayFull assembles the full stack — from six-week pay-in-4 all the way out to 36-month financing — so there's a real option at every ticket size.
High-ticket begins around $2,500.
$100 – $50,000
3–36 monthly installments
$50 – $30,000
6 weeks – 36 months
$50 – $25,000
Pay in 4 (6 wks) · 3–36 months monthly
$35 – $20,000
Pay in 4 (6 wks) · Pay Monthly 3–24 months
$35 – $10,000
Pay in 4 (6 wks) · Pay in 30 days · 6–24 months financing
$35 – $2,500
Pay in 4 (6 wks) · 3–48 months on qualifying purchases
$35 – $1,500
Pay in 4 (6 wks) · 8 payments over 14 weeks
- SplitIt: $100 – $50,000
- ClarityPay: $50 – $30,000
- Affirm: $50 – $25,000
- Afterpay: $35 – $20,000
- Klarna: $35 – $10,000
- Sezzle: $35 – $2,500
- Zip: $35 – $1,500
You get paid in full. Up front. No recourse.
When a customer finances a $12,000 program, PayFull's lending partners fund you the full amount at the point of sale. If the customer stops paying, that's between them and the lender — it never comes back to you.
No reserves against consumer default. No clawbacks. No chasing payments. You sold it, you got paid.
Applies to lender-funded financing. Funded upfront, in full; non-recourse — lender absorbs consumer default risk. SplitIt is not a loan and not a BNPL product in the lending sense. It places an authorization hold against the available credit on the customer's existing credit card and charges installments to that card over time. That's why there's no application, no credit check, and no interest — but it also means the customer needs enough available credit to cover the entire purchase at checkout, the merchant is funded per installment rather than upfront, and chargebacks work like any normal card transaction. Debit cards and prepaid cards are not supported. Visa and Mastercard are accepted; Amex, Discover, and UnionPay depend on the merchant. See SplitIt details →.
We go where others don't.
High-ticket service businesses get declined by mainstream processors for reasons that have little to do with how they actually operate. We underwrite the business, not the merchant category code.
We've built the underwriting relationships, the MID redundancy, and the compliance playbook to get these businesses approved — and to keep them running.
Underwritten, not auto-declined
Your application goes to underwriters who understand high-ticket service businesses — not a rules engine that rejects your MCC on sight.
Redundancy by default
Multiple MIDs across multiple banks from day one. A single account issue doesn't take your revenue offline.
A real human on your account
Named account manager, direct line, real response times. Not a ticket queue and a help-center article.
Built for the businesses that sell big.
Is this you?
Selling $2,000+ offers and watching deals die at "I don't have it on my card right now"? Already declined for Affirm or Klarna because of your industry? Running your whole business through one MID and one processor, knowing exactly what happens if it goes down? On an MoR that owns your customer relationships?
That's what we built this for.
Apply Now →Live in days. Not months.
Apply
One application, all rails. Takes about 10 minutes.
Underwriting
We shop your file to the right banks and BNPL partners. Most approvals land in 24–72 hours.
Integration
Hosted checkout, payment links, or a drop-in embed. No developer required. Full API if you want one.
Go live
Named account manager, white-glove migration from your current processor, and a review of your routing rules before the first dollar.
Questions, answered.
Instead of integrating one processor and hoping it works, orchestration puts a routing layer above many of them. One integration connects you to every BNPL provider, every card acquirer, and every wallet — and PayFull decides in real time which one each transaction should go to. If one goes down, gets slow, or declines, the next one picks it up automatically.
It depends on your specific business, your processing history, and your ticket size — approval decisions sit with the providers and their banks, not with us. What we can do is present your file properly and tell you straight what is realistic. Tell us what you sell and you will get a real answer rather than a form letter.
When a customer finances a purchase through one of our lender-funded programs, you're paid the full amount up front. If that customer later stops paying, the lender absorbs it. It doesn't come back to you as a clawback or a reserve. (SplitIt works differently — it uses the customer's existing credit card rather than issuing a new loan.)
Every PayFull merchant runs on more than one MID, across more than one bank. If an account is restricted, volume shifts to another automatically — your checkout stays up while we sort it out with the bank. That's the whole reason we build redundancy in from day one instead of selling it as an add-on later.
Yes. Your Token Vault is yours. Tokens work across every processor in your routing stack, and if you ever leave PayFull we'll export them to your new provider. This is the main reason merchants move to us from Merchant-of-Record platforms.
Most merchants are live within days. Application takes about ten minutes; underwriting typically returns in 24–72 hours. Integration is a hosted checkout or payment link if you don't want to touch code, or a full API if you do.
Rates are quoted after reviewing your volume, ticket size, industry, and method mix. [Get your rate →]
No. You enable what fits your business, and you can turn options on and off per product. Most high-ticket merchants run cards plus two or three financing options, chosen to cover their full ticket range.
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.