Payment Facilitator (PF) Model Support

Paynetics enables partners to operate as Payment Facilitators under the Paynetics acquiring license. Paynetics provides a full framework for PF onboarding, merchant underwriting support, transaction processing, settlement, and scheme reporting, while ensuring compliance with Visa and Mastercard requirements.

Our Capabilities:

• PF Onboarding & Registration – Full support for Visa and Mastercard PF registration, including contractual compliance, unique PF IDs, and scheme certifications.

• Merchant Onboarding API – consistent API-driven merchant submission. Integrated MATCH (MC) and VMSS (Visa) checks, automated risk scoring, and configurable flows (automated or manual UW approval). Note: that some of the features are coming in Q4.

• Risk Management – Continuous monitoring of Sponsored Merchants, and risk score–based KYC/KYB refresh cycles.

• Transaction Processing – All merchant transactions pass through Paynetics’ acquiring platform before reaching the processor, ensuring transparency, real-time controls, and reporting.

• Settlement Models – Flexible payout models (PF-led or acquirer-led), with support for rolling reserves, delayed settlement, and configurable fee models.

• Reporting & Compliance –

  • Visa: Monthly and quarterly PF activity reporting.

  • Mastercard: On-demand and periodic reporting, with 5% merchant audits and compliance validation.

  • Full audit trail in our Admin portal.

• Admin Portal – PF and merchant data fully visible, including PF IDs, risk scores, merchant status, and compliance documentation.

Value for Partners:

• Faster time-to-market with minimal development effort.

• Reduced compliance overhead by leveraging Paynetics’ reporting and monitoring capabilities.

• Flexible configuration to match PF commercial models and merchant risk profiles.