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Payfactory

Founded 2021 · 15 employees on LinkedIn · 2 known investors

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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

RMRuston Miles
Ruston MilesExecutive Chairman
JTJosh Tietsort
Josh TietsortHead of Finance
MMMelissa Migliore
Melissa MiglioreHead of Payfac Operations
AMAngela Mayer
Angela MayerHead of Sales and MarketingShe brings experience in marketing, business development, and channel partnership strategy.
JS
Justin StanleyHead of Information Technology
MJMarvin Jones
Marvin JonesHead of Strategic Partnerships
NMNerino Mayer
Nerino MayerHead of Global Channels

Investors · 2

Cortado Ventureslisted by Cortado VenturesOklahoma City

How we know: Cortado Ventures's portfolio page · the VCSheet dataset · Not right? Tell us

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.

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AmaryllisAmaryllis provides a modular, cloud-based SaaS payment platform that enables financial institutions, enterprises, and software companies to embed, manage, and monetize payment processing across their operations. The platform handles the full merchant lifecycle from onboarding to payout and processes $3 billion in annual payments across 10,000 active merchants.

Companies working in the same space as Payfactory.

In the news

Payfactory and the Future of Embedded Payments - Payfactorypayfactory.io · Nov 2023

▸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.