Platform
PayFac — sub-merchant accounts in days.
A faster on-ramp for payment acceptance, paired with an architecture built for continuity.
What is PayFac? A payment facilitator enables businesses to accept payments as onboarded sub-merchants under a facilitation model.
What does payment facilitation provide?
Payment facilitation supports sub-merchant onboarding and underwriting under a facilitator model, helping a business begin accepting eligible payments without first operating its own direct MID relationship.
- •It can also support split payments and marketplace flows where the approved model applies.
Why use instant provisioning carefully?
Fast provisioning can be useful when a business needs an on-ramp, but it does not remove underwriting obligations. Account availability, review, and transaction eligibility remain governed by the program and its risk controls.
- •Provisioning is paired with clear operating expectations rather than a promise of permanent access.
What is the trade-off?
PayFac accounts can open faster and close faster than direct accounts. That is why PayFull pairs them with backup MIDs: redundancy is planned before a restriction creates a dependency on one facilitation account.
- •PayFac can be the on-ramp while direct MIDs become the destination.
Common questions
How do I discuss this with PayFull?
Start with your business model, customer journey, existing payment stack, and underwriting context. PayFull can then discuss an appropriate configuration; availability depends on review and applicable providers.
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.