Own the customer experience
Payments become part of the product, brand and customer journey you already operate, not an experience handed upstream. You shape how every interaction fits the service around it.
Acquirer Infrastructure. Built to be built on.
Own the value in your stack. Control the financial infrastructure your customers depend on.
Bring more of the payments value chain into your business. Unite acquiring, onboarding, payments and financial services on one platform, with control and responsibilities defined around your operating model.
Regulated financial infrastructure for propositions across the UK, Europe and the US.
Own your proposition, shape its economics andcapture the value it creates.
Referral and conventional white-label arrangements can limit how much of the customer experience and commercial model you control. PayFacLite® helps you build a payments proposition around your own brand, customers and agreed operating role.
Embed financial services
Bring payment capability and financial services into the proposition your customers already rely on, and keep the entire experience within your own platform.
Create and retain the value
Create recurring commercial value within the customer relationship you operate, giving customers more reasons to stay and grow with your platform.
One operating foundation.Two connected layers.
Hosted and Embedded describe customer-facing delivery. Either can be used with a PayFac or Acquirer arrangement. The programme defines who operates what and holds each responsibility.
Customer-facing delivery
Hosted
Launch a custom payments proposition on your own domain.
- Suited to
- Teams that want to launch without building every interface from zero.
- Operating position
- Responsibilities follow the agreed operating arrangement.
Embedded
Build the payments experience into your own product.
- Suited to
- Teams seeking complete control of product and architecture.
- Operating position
- Responsibilities follow the agreed operating arrangement.
Programme and permissions
PayFac
Run an agreed acquiring programme on licensed infrastructure.
- Suited to
- Payment organisations with an acquiring strategy or relationship.
- Operating position
- Operate within an agreed programme structure.
Acquirer
Operate the full platform on licensed infrastructure under your own permissions.
- Suited to
- Appropriately regulated organisations seeking greater control.
- Operating position
- Your organisation operates under its own regulatory permissions.
Permissions, acquiring relationships and responsibilities are confirmed for each arrangement. Where a partner operates under its own permissions, it retains the associated regulatory responsibilities.
Trust CentreBuild more than paymentacceptance. Build enterprise value.
Accept payments, run the relationship and create more commercial opportunity from one connected platform.
Payment types
Card-present
E-commerce
Payment links
Virtual payments
SoftPOS
Operating control
Onboarding
Risk workflows
Processing
Settlement
Reconciliation
Reporting
Added products
Commercials
Collections
Hardware
Lending
Payouts
Product availability follows your programme and chosen model. Lending is subject to eligibility and approval.
Explore the capability setKeep the partners that make your proposition yours.
Acquiring partners
Use PayFacLite®’s acquiring foundation, or structure around the relationship that fits your programme.
Software partners
Use PayFacLite® capabilities alongside the software platforms and partners your proposition relies on.
Hardware partners
Use PayFacLite® hardware, or bring the devices and partners your merchants need.
Support models
Use PayFacLite® delivery support, retain your own teams, or combine both.
Specialist services
Use PayFacLite® capabilities alongside the services that make your proposition distinct.
One governed environment for the proposition you build and the providers you choose or introduce.
Infrastructure to build on.Freedom to commercialise.
The operating foundation gives you room to shape the products and services you offer, control their commercial model and connect agreed income to the payment activity they generate.
The foundation
One operating layer beneath your proposition.
Connected capabilities, configured for your agreed operating model.
PayFacLite® operating foundation
- Onboard
- Accept
- Settle
- Reconcile
- Report
What it enables
Build your proposition
Bring payments, software, hardware and partner services together in an offer shaped around your brand and the customers you serve.
Your products · Your services · Your brandShape its economics
Shape how the offer is packaged and priced, with fees and commercial participation defined within your agreed operating model.
Packaging · Pricing · ParticipationRealise the value
Where enabled, collect eligible fees through settlement. See agreed participation, product income and portfolio performance together in the Business Hub.
Collection · Income · InsightBring PayFacLite® into your business. Your way.
Choose the route that suits your team. Every route connects to the same governed PayFacLite® foundation.
- APIOne documented contract for your product.
- SDKsPartner-preview clients; confirm stack coverage.
- MCP agentsPermissioned tooling in partner preview.
- Keys & tokensWorkspace credentials for your integration.
- AuthenticationSecure access for your application.
- Signed webhooksOperating events returned to your platform.
Use a supported, repeatable delivery route. You retain control of the key decisions; we help get you live.
Best where delivery support is useful.
Partner preview. Tooling and supported operations depend on approved workspace access.
- route
- Guided
- foundation
- One governed PayFacLite® foundation
- surface
- MCP or the supported agent interface
- surface
- Sandbox
- surface
- The documented API contract
Technical delivery, built in
Build with your own team, work alongside ours, or agree for PayFacLite® to deliver defined architecture, integration and implementation work. Technical delivery does not change the operating or regulated responsibilities of the programme.
Acquiring infrastructure for international platforms.
Verofy® Acquiring operates the UK-regulated acquiring foundation. PayFacLite® infrastructure can support European and US propositions through the right programme and local arrangements.
Market availability depends on programme structure, product scope and applicable regulatory requirements.
United Kingdom
Regulated acquiring foundation
Europe
Programme-dependent infrastructure
United States
Programme-dependent infrastructure
- Verofy Ltd (trading as Verofy® Acquiring) — FCA Authorised Payment Institution
- PCI DSS Level 1
- Safeguarding in line with regulatory requirements
- United Kingdom
What will you build?
Keep control of the customer relationship, shape a proposition that’s yours, and create more value in your business. We’ll help map the right operating model.
A clear view of your platform route.
- Your proposition
- Who it serves and what it offers.
- The operating model
- Where the regulatory boundary sits.
- Delivery and integration
- How your team connects and goes live.