PayFacs
Payment Service Providers
Orchestrators
Your technology-driven card scheme membership partner
Deliver competitive payment capabilities to online and offline retailers, subscription businesses, marketplaces, digital goods and services, while capturing highly attractive margins.
Visa & Mastercard Principal Member
MFSA-authorised payment institution in the EUFCA-regulated acquirer in the UKKey values
Transparent buy rates
1-day merchant activation
UK and EU merchant market coverage
Cross-border payments in 65+ currencies
Flexible RESTful APIs
Customisable financial analytics
Instant payout rails
Intelligent risk management
We support PSPs and PayFacs
with high conversion, fast merchant activation, and predictable operations, combining reliable innovative technology with hands-on cooperation.
Partnership that works in practice
Transparent buy rates from technology ownership
We operate our own payment infrastructure. This allows us to define clear, predictable pricing. It can be structured as IC++ or blended and adjusted based on your transaction volume, risk profile, geography, and partnership model.
A tunnel between the EU and the UK
We onboard merchants and partner with licensed PayFacs in the EU and the UK, acting as a local acquirer in each region. So you can operate across both markets without fragmented setups or regulatory workarounds.
Balanced risk and reserve models, stable settlements
We agree on risk terms, reserve models, processing limits, settlement schedules, and chargeback thresholds based on your business model and growth plans.
Direct access to C-level decision-makers
Strategic, commercial, and risk-related decisions are handled without layers of account management, allowing faster alignment and resolution at a business level.
Modern technology for fast, transparent, and high-conversion payment processing
API-driven acquiring solution
We adapt payment flows, event models, and financial interfaces to align with your architecture, so you can preserve internal logic without re-engineering your tech.
Resilient processing with embedded risk controls
Transaction execution combines custom risk logic (limits, anti-fraud scoring, and intelligent routing rules) with fault-tolerant processing.
10-14 day integration supported by tech team
Clear technical documentation, defined onboarding steps, and pre-aligned compliance logic allow you to move from contract to live processing rapidly.
Multi-currency payment processing
Support cross-border card payments with consistent settlement and reconciliation logic without introducing additional FX layers.
Core payment capabilities
A modular payment foundation that lets you support diverse merchant needs.
eCom payments
Support frictionless checkout, dynamic authentication, and risk-based controls.
Payments with or without 3D Secure
Optimise conversion by applying scheme-compliant frictionless flows where allowed.
Dynamic descriptor
Reduce disputes and chargebacks by ensuring transactions are clearly recognised by cardholders.
SMS and DMS transactions
Support instant, delayed, and partial charging models across different merchant verticals.
Recurring payments
Serve merchants with subscription, membership, and usage-based billing.
Face-to-face payments (Tap-to-Pay)
Let merchants accept contactless card payments on mobile phones and tablets.
Tokenised DSRP payments
Support wallet-based and tokenised payment experiences.
Card tokenisation with VTS
Reduce expired-card declines.
Account Verification Service (AVS)
Validate cards without charging funds and reduce onboarding friction.
OCT payouts
Instant card-based payouts with global reach and controlled flows (Visa Direct, Mastercard MoneySend).
Split payouts
Support platform and marketplace models.
Single and batch payouts
Reduce manual operations, reconciliation effort, and payout management complexity.
Alternative payouts
Let your merchants send funds to wallets and IBANs.
Reconciliation overview and status tracking
Two-sided transaction matching and chargeback placement are surfaced directly, allowing you to quickly identify discrepancies and validate settlements without manual file analysis.
Transparent and customisable financial analytics
Configurable financial views across merchants, currencies, and payment flows. You can analyse volumes, fees, chargebacks, and settlements using consistent metrics.
Best-in-class self-onboarding module for 1-day merchant activation
Merchants onboard through a fully digital, self-service flow. Most KYC/AML checks, including screening, are automated.
Turn onboarding speed into a competitive advantage
Reduce onboarding cost per merchant by up to 70%
Build a predictable path to underwriting
Control your merchant onboarding experience
Platform features
Partner workspace for managing the entire process.
Configurable custom onboarding flows by merchant type and geography.
Automatic data synchronisation across your gateway and CRM.
Commercial terms configuration at onboarding level.
Customised partner programmes
Flexible pricing, integration, and collaboration tailored to your specific business model.
Payment Facilitator Model
Regulated institutions registered with card schemes, responsible for onboarding and managing sub-merchants under their own MIDs.
What you get
Dedicated merchant activation module for PayFacs that allows you to onboard and manage sub-merchants independently.
Native support for platform business models, including split payouts and multi-tenant settlement logic.
Frictionless payment flows that protect approval rates across diverse sub-merchant profiles.
Cross-border acquiring services for the EU and the UK without duplicating setups, licences, or risk frameworks.
Payment Service Providers
Regulated institutions responsible for payment processing, compliance, and settlement. Move funds but do not hold membership in card schemes.
What you get
Scheduled settlement services for payment providers.
FMPay is an acquiring partner for PSPs with stable card processing optimised for high approval rates across different merchant profiles and geographies.
Operationally predictable processing, reconciliation, and reporting.
A single setup of acquiring for PSPs to support merchants across the EU and the UK without fragmented integrations.
White-label payment infrastructure for PSPs.
Payment Orchestrators
Technology providers that route and manage payment flows across multiple PSPs and acquirers, without acting as financial institutions.
What you get
API-level integration focused on transaction routing, failover, and orchestration logic.
A clear separation between orchestration and acquiring.
Consistent transaction behaviour that simplifies routing logic across merchants, regions, and payment scenarios.
Cooperation designed for scale without introducing underwriting, settlement, or merchant management dependencies.
Ready to grow your business?
Join as a partner, tell us about your business case, and we’ll show you the best way forward.
Submit details
Reviewed within 2-3 working hours
Intro call
30-60 min
Commercials
1-3 days
Onboarding and integration
7-14 days
Let’s get acquainted
Tell us a bit about your business, and our Head of Partnerships will get in touch within 2-3 working hours to discuss your needs.
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