Global sub-acquiring with native crossborder orchestration

Operate as a Payment Facilitator across 40+ markets with sub-merchant onboarding, automated splits, multi-currency settlement, jurisdiction-specific compliance, and direct Visa/Mastercard connectivity—all on a single platform.
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Crossborder orchestration with local acquiring

Process payments across 40+ markets with local acquiring and settlement, currency conversion, and intelligent routing without multiple regional stacks.

PayFacs that consolidated crossborder operations on a55 reduced operational costs by up to 35% and improved conversion in international markets.

Local acquiring in 40+ markets

Settle in local currencies with regional acquirers without duplicated infrastructure.

Multi-currency conversion & settlement

Support for 20+ currencies with transparent rates and multi-account settlement.

Intelligent routing by region

Routing rules by country, BIN, method, and currency with automatic fallback.

Local payment methods

Pix (BR), QRA (AR), digital wallets, and regional methods beyond cards.

Sub-acquiring and payment facilitation

Automated sub-merchant onboarding, configurable payment splitting, jurisdiction-specific compliance, and consolidated risk management.

Platforms and marketplaces scale payment operations while maintaining centralized control of compliance, risk, and settlement.

Sub-merchant onboarding

Automated KYC/KYB flows with real-time approval and region-specific compliance.

Advanced payment splitting

Configure complex splits with multiple beneficiaries, fees, and per-transaction rules.

Risk & fraud management per sub-merchant

Individual or aggregated fraud policies with native scoring, external providers, and configurable limits.

Consolidated reporting & reconciliation

Unified visibility of transactions, splits, fees, and settlements per sub-merchant.

Compliance and governance by jurisdiction

Operate in compliance without local compliance teams in each country.
  • Certified tokenized vault to reduce PCI scope for sub-merchants.
  • Configure 3DS according to European SCA, local regulation, or merchant preference.
  • Automated flows adapted to each country's requirements.
  • Auditable logs with configurable retention by region and webhooks for compliance.

Platform for PayFac operations

Operate your entire sub-merchant portfolio in a single operational workspace.
  • View status, limits, volume, and approvals for each sub-merchant.
  • Approval flows for onboarding, limit changes, and split adjustments.
  • Drilldown by sub-merchant with advanced filters and complete history.
  • Risk notifications, anomalous volume, and settlement failures per sub-merchant.

Flexible settlement and funding

Manage cashflow precisely using per-segment customized settlement rules.
  • Distribute amounts to marketplace, sub-merchant, and other beneficiaries automatically.
  • Retain percentages by risk, industry, or sub-merchant history.
  • T+0, T+1, T+n per sub-merchant with scoring-based approvals.
  • Consolidated reports with currency conversion and transparent fees.

Scale your PayFac operation with unified global infrastructure

Talk to our team about sub-merchant onboarding, payment splitting, crossborder across 40+ markets, jurisdiction-specific compliance, and consolidated operational platform.

Frequently asked questions

Answers for Payment Facilitators and payment platforms.