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Payfactory

Founded 2021 · 15 employees on LinkedIn · 2 known investors

Payfactory offers an embedded payment facilitation platform with RESTful APIs that let software companies add PCI-compliant payment processing, covering merchant onboarding, transacting, and payouts. It targets ISVs, SaaS providers, and independent merchants, and includes encryption, tokenization, and fraud monitoring along with a revenue-sharing program.

Also known as Payfactory

Developer ToolsFintechSaaS

Founders & leadership

RM
Ruston MilesExecutive Chairman
JTJosh Tietsort
Josh TietsortHead of Finance
MM
Melissa MiglioreHead of Payfac Operations
AM
Angela MayerHead of Sales and Marketing
JS
Justin StanleyHead of Information Technology
MJMarvin Jones
Marvin JonesHead of Strategic Partnerships
NM
Nerino MayerHead of Global Channels

Investors · 2

Atento CapitalTulsa · $500K – $1M
Cortado VenturesOklahoma City

Company profile

researched Aug 2026

Payfactory is an embedded payment facilitation (payfac) provider serving independent software vendors (ISVs), SaaS platforms and independent merchants. The company positions its offering as gateway-friendly and "plug and play," requiring no to low development work to add PCI-compliant embedded payment facilitation to an existing software product.

The platform covers the payment lifecycle from merchant onboarding through transacting and payouts, and includes instantaneous account approval, automated onboarding, next-day funding and a self-serve merchant portal. Security features described include encryption, tokenization and fraud monitoring across all transactions. Payfactory also publishes educational content for software platforms evaluating payments, including material on payment facilitators versus payment processors, choosing a payment processor, modular embedded payments and B2B payment trends.

Business model

Payfactory supplies payment facilitation infrastructure to software platforms and merchants, and offers software partners a revenue-sharing program so they can earn income from payments processed through their applications.

The company describes a revenue-sharing program with its software partners tied to embedded payment processing volume.

▸Full profile — market position, technology, go-to-market

Market position

Payfactory competes in embedded and integrated payments, a segment it characterizes as a trillion-dollar opportunity for software platforms.

The company emphasizes a gateway-friendly, no- to low-development integration path, developer-oriented RESTful APIs, instantaneous account approval and automated onboarding, and next-day funding.

Technology

The platform is built around a suite of RESTful APIs intended for fast integration and automation of onboarding, transaction processing and payouts. It supports gateway-friendly, low- or no-development deployment and includes encryption, tokenization and fraud monitoring, with PCI-compliant payment facilitation.

Go-to-market

Payfactory markets through a partner channel aimed at ISVs and SaaS providers, supported by partner benefits and revenue sharing, a developer-focused documentation page, and educational blog and infographic content.

Independent software vendors, SaaS platforms and independent merchants seeking to embed payment acceptance in their products.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Competitors · 10

by search overlap
Stripe49 shared keywordsStripe provides financial infrastructure for businesses to accept payments, offer financial services, and implement custom revenue models across international markets in 135+ currencies.
Razorpay33 shared keywordsRazorpay provides payment processing APIs and financial services for online merchants, schools, and ecommerce businesses, offering payment acceptance, disbursement, current accounts, and working capital loans. The company serves businesses looking to accept and manage payments online with developer-friendly integration.
SwipeSum27 shared keywordsSwipesum offers payment consulting and processing services, acting as an outsourced Chief Payments Officer that helps merchants find, implement, and audit credit card processing solutions. It provides proprietary statement-reading software (Staitment) that analyzes processing statements to generate cost-comparison proposals for businesses.
Nmi25 shared keywordsNMI provides a modular, white-label payment acceptance platform—including a payment gateway, payment CRM, and processing—that partners such as banks, ISOs, PayFacs, and SaaS providers use to deliver embedded payment experiences under their own brand across online, in-app, in-store, mobile, and unattended channels. The company serves technology partners and merchants globally in the payments infrastructure industry.
Finix22 shared keywordsFinix provides embedded payments infrastructure for software platforms, acting as an outsourced PayFac (PayFac-as-a-Service) with end-to-end payments technology, compliance and risk management, merchant onboarding, and reporting tools. It serves software platforms that want to offer payment acceptance to their customers through white-labeled dashboards and a single API integration.
Bill.com Holdings, Inc.20 shared keywordsBILL is a unified financial operations platform that automates accounts payable, receivables, and spend management for businesses. The platform processes over $345 billion in annual payment volume and serves nearly 500,000 customers across the US and 130+ countries.
Fiserv20 shared keywordsFiserv provides payments and financial technology services to financial institutions, businesses, and merchants, with a focus on customer engagement and commerce enablement. Its offerings support banks, brands, and small and medium-sized businesses across the United States.
Wise20 shared keywordsWise is a financial platform offering international money transfers, multi-currency accounts, and debit cards with low fees and competitive exchange rates, serving millions of users globally.
Checkout19 shared keywordsCheckout.com offers Flow, a hosted payment page that businesses can deploy with a low-code, one-time integration to accept payments online. The page can be customized to match a site's branding for a consistent checkout experience.
Amaryllis19 shared keywordsAmaryllis provides payments infrastructure that lets software platforms move from a PSP-led model to payment facilitator, orchestration, or merchant-of-record operations, offering onboarding, pricing, routing, risk, payouts, ledger, reconciliation, and settlement capabilities. It targets marketplaces, enterprises, and hospitality or property management platforms managing multi-entity payment complexity.

Companies competing with Payfactory for the same Google search keywords, organic and paid, via search-intersection analysis.

In the news

Payfactory and the Future of Embedded Payments - Payfactorypayfactory.io · Nov 2023Payfactory Announces Growth Investment Led by Bluefinfinancemagnates.com · Jan 2022Bluefin Invests in Payfactory to Bring Payments Services to Its Security Clients – Digital Transactionsdigitaltransactions.net · Jan 2022Payfactory Announces Strategic Growth Investment from Bluefin to Bring Benefits of Payfac to Software Companiesbluefin.com · Jan 2022

▸Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Payfactory do?
Payfactory offers embedded payment facilitation for ISVs and SaaS platforms with a low-code, gateway-friendly integration.
Who are Payfactory's investors?
Payfactory's investors include Atento Capital, Cortado Ventures.