Platform
Your own MIDs. Your own banks. Your own economics.
Build direct merchant accounts in your legal name, with PayFull orchestrating across them.
What is Traditional Processing? Traditional processing uses direct merchant identification accounts established in the merchant’s own legal name.
What does a direct MID change?
A direct MID puts the merchant account and acquiring relationship in your legal name. It is often the destination for a business at scale because it can support direct economics and more durable control of its payment operations.
- •Interchange-plus pricing may be available under the relevant merchant agreement.
What does the application require?
Direct underwriting typically examines the business entity, owners, financial information, customer journey, policies, delivery evidence, historical processing where available, and the particular risk profile. Complete, consistent documentation reduces avoidable review friction.
- •PayFull can help organize the operating context before submission.
How should a business plan the transition?
Direct accounts have realistic underwriting and onboarding timelines rather than instant activation. PayFac or Merchant of Record can serve as an on-ramp while approved direct MIDs become the long-term processing destination.
- •No single model is right for every stage of a business.
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.