PayFac-as-a-Service (PFaaS) gives software platforms and agencies the economics of a payment facilitator, merchant onboarding, processing revenue, integrated checkout, without the capital requirements, compliance burden, and 12–18 month build timeline of becoming a registered PayFac themselves. For most WooCommerce platforms and agencies, PFaaS is the fastest and most practical path to embedding payments.
What PayFac-as-a-Service Provides
- White-label merchant onboarding: Merchants sign up and go live quickly under the PFaaS provider’s registration
- Revenue share: Platforms earn a portion of the processing margin on their merchants’ transaction volume
- Integrated checkout: Payments are embedded in the platform’s UX rather than redirecting to a third-party page
- Risk and compliance: The PFaaS provider manages underwriting, monitoring, and card network compliance
- Settlement management: Sub-merchant payouts and reconciliation handled by the PFaaS infrastructure
PFaaS vs. Reselling a Payment Gateway
| Factor | PayFac-as-a-Service | Reselling a Gateway |
|---|---|---|
| Revenue model | Processing spread + revenue share | Referral fee or affiliate commission |
| Merchant experience | Fully integrated, branded checkout | Redirect to gateway provider |
| Risk ownership | Shared with PFaaS provider | None — gateway handles all risk |
| Revenue per merchant | Scales with transaction volume | Fixed referral fee |
| Support | Integrated with platform support | Merchant contacts gateway directly |
ConvesioPay for Platforms and Agencies
ConvesioPay provides PFaaS for the WooCommerce and agency ecosystem. Agencies embed ConvesioPay into their client stack and earn recurring revenue from their clients’ transaction volume, transforming payments from a commodity into a meaningful revenue stream. Clients benefit from transparent pricing at 2.9% + $0.30 per transaction with no monthly fees, plus dedicated support from the agency they already trust.
Ready to get started? Learn more about ConvesioPay for agencies or view the full platform.