If you (and the group) have multiple desired outcomes, make sure that you have a clear process to reach each of them. The Electronic Transactions Association (ETA) is the world’s leading advocacy and trade association for the payments industry. In this way, each merchant often doesn’t need to apply and be. Lead very large migration deals and participate in large commit deals, at greenfield tech win and revenue acceleration phases on GCP. Create an end-to-end user experience without the overhead. Marketplace Apps. It handles merchant account setup and smooths payment acceptance for an ISV or SaaS platform. Depending on your processing volumes there are two different types of merchant accounts that you will qualify for, either a PSP and an ISO. According to a recent study, by 2025, the global gross payment volume processed by payment facilitators is expected to reach over $4 trillion. Article by Sheridan Trent. merchant, payment facilitator, payment processor, independent sales. S. But the problem for small and midsize-businesses (SMBs) is that with traditional payment processing. Enable any payment, anywhere. 3. 3 The Payment Facilitator and Sponsored Merchant shall be liable for the value of the sale. 05% then the platform has cost = 2. ISO = Independent Sales Organization. Please reference the payments; of 6 /6. Maintains policies and procedures with card networks (Visa, Mastercard, etc. Our modular, feature-rich full commerce enablement platform lets you build innovative software solutions that earn more, better monetize payments and retain customers longer. Unlike traditional merchant service providers that resell payment processing, PayFacs own processing accounts and underwrite and onboard sub-merchants under their accounts. In general, payment facilitation platform owners realized that is was more profitable to offer integrated solutions without giving merchants the choice of processors. Integration options for payments. Our embedded payments model is a 3-way partnership—PayJunction, software provider. Doing so allows them. Power on-the-go payments. Registered payment facilitators earn 20-40 basis points more per transaction than they would riding the rails of another wholesale PayFac. ISVs have aThe following TEST card can be used to test your integration. In most cases, that means the Payfac must implement a way to pass merchant and owner / principal data to the acquirer to run a MATCH check. And now, your software can run on select Clover devices, turning your solution. Evolve Support. Payments. For those merchants. Auth; Platform Integrations; Hardware Devices;. A Payment Facilitator, PayFac for short, is simply a way to set up a sub-merchant account for software companies. Reduce onboarding friction. Second, add in the payment processing integration — contactless EMV in particular — and things can become even more intimidating to an ISV. Information provided is not all inclusive. PayFacs perform a wider range of tasks than ISOs. S. Source: Google Images. Get In Touch Flexible, integrated payment solutions for software vendors. The ISV® is readable. The payments industry is a rapidly changing scene that is constantly in flux due to the introduction of new payment methods, mergers and acquisitions, and technology. Three key reasons why ISVs are becoming Payment Facilitators: Merchant Onboarding: Traditionally, ISVs formed referral relationships with ISOs and vice versa. Explore our comprehensive guide that outlines the differences between Payment Facilitators and Payment Processors, including their roles, functions, and benefits. NMI discuss the role of the independent payments gateway and its evolution. We’ll manage risk, compliance and payouts, and keep you informed through our API. ️ Learn more about EMV certification! The wisdom of payments processing. We’re recognized by clients around the world, from established global players to innovative startups, as the go-to partner on all. Unique solutions for Direct Selling companies, Payment Facilitators and Developers. Recurring Payments – Create automated payment schedules. 9801 Washingtonian Blvd. The Visa Global Registry of Service Providers is the payment industry's designated source for information on registered and compliant agents that provide payment-related services to Visa clients and merchants. Payments Infrastructure; Monetization; Agents & ISOs. Enterprise - Payment Processing - Payment Tools - Mobile Solutions - Payment NetworkStax Connect is an end-to-end payment facilitation solution from Stax designed for ISVs and SaaS companies. Card Brands also authorize payment facilitators to accept settlement funds on behalf of their sub-merchants. Our integrated payments solution helps our customers process payments faster and more efficiently by harnessing the power of Chase’s best-in-class solutions and brand. mag 2007 - dic 2015 8 anni 8 mesi. Grace PeriodOnline Payments Payment Links Smart Checkout Payment Types Payment Methods Receipts Hosted Payment Pages Omnichannel Payments Onepay Go. Classical payment aggregator model is more suitable when the merchant in question is either an. Looking at nuclear glass darkly That's according to Scott Hebner, vice president of. FinTech company 9. This bank is liable for transactions processed through its payment facilitator customers, so it vets potential payment facilitators and dictates many of the rules that they must follow. These include SaaS providers, investment firms, franchise owners, online marketplaces, and others. Use a Payment Facilitator platform. The payment facilitator is the company that provides the infrastructure necessary for their submerchants to begin accepting credit card payments. A payment facilitator is a merchant service provider that simplifies the merchant account enrollment process. A payment facilitator is a merchant-service provider that simplifies the payment-collection process for its clients (also called sub-merchants). Processors + Devices. It handles merchant account setup and smooths payment acceptance for an ISV or SaaS platform. The main difference between payment aggregator and a payment facilitators is that their sub-merchants all have different MIDs in a PayFac. Gateways 101. ISV Payment Models. However, becoming a payment facilitator is time-consuming and expensive. ISOs and PayFacs both resell payment processing, but PayFacs do so in a way that can make the model much more attractive, particularly to software. Pricing and Fees: Payment facilitators typically charge merchants a flat rate for each transaction processed and a percentage-based fee on the total transaction amount. They also offer processing equipment such as POS systems, card terminals, and payment gateways. gives ISVs the opportunity to progress from being “new to payments” with a simple partner model to growing into a Payment Facilitator with a more complex business structure. What you do. 0 will affect payment facilitators by allowing them more freedom in how they protect new payment processing technology. For instance, marketing agencies using an ISV that helps them manage their business can quickly accept payments from their customers without configuring payment gateways. Client Service Manager. Payment processing partnerships affiliate, ISO and ISV opportunities. Normal Pick up: 3:00pm-3:30pm. Proven application conversion improvement. Payments Infrastructure; Monetization; Agents & ISOs. Brief. Non-compliance risk. Scalefast is changing the way brands do direct-to-consumer eCommerce. But how that looks can be very different. Please see Rule 7. Card networks, such as Visa and MC, charge around $5,000 a year for registration. Step 1: The customer initiates a payment transaction on a merchant's website or mobile app. Our payment-specific solutions allow businesses of all sizes to. Payment facilitator model is a lucrative option for many present-day companies. Like payment facilitators, ISOs serve as intermediaries to provide merchants with access to the payments system on behalf of their acquiring bank partners, often serving specific markets with solutions tailored to their needs. A payment facilitator (PayFac for short) is a service provider that is layered between the submerchants (the merchants a PayFac works with) and an acquiring body. The receipt will be sent to the email address. On one end of the spectrum, the payment facilitator model permitted by Visa and MasterCard allows registered facilitators to process transactions for known and vetted sub-merchants. The platform is searchable by industry, region (USA/CAN), solution type (POS, PMS, gateway, etc. 8B1. Payment facilitator’s role is to handle merchant lifecycle-related functions. Our gateway services provide lodging software developers the ability to easily integrate payment processing or use as a stand-alone virtual terminal for secure payment acceptance with the best support in the industry. Like payment facilitators, ISOs serve as intermediaries to provide merchants with access to the payments system on behalf of their acquiring bank partners, often serving specific markets with solutions tailored to their needs. An ISO works as the Agent of the PSP. The information is then evaluated by an underwriting tool, and the application is either approved or declined in real time. To become a PayFac, the ISV or VAR signs a direct agreement with a processing bank (e. Choosing a payment processing provider has become more challenging in recent years, due to the sheer number of providers in this space. RS2 Software’s Daniela Mielke discusses how integrated software vendors and payment facilitators can take advantage of APIs, especially as eCommerce grows. One of the biggest advantages of ISV payments partnerships is that they offer the opportunity to create a new revenue stream for your. Figure 1: Tradiional Acquiring vs. On one end of the spectrum, the payment facilitator model permitted by Visa and MasterCard allows registered facilitators to process transactions for known and vetted sub-merchants. ISV. 1. Splitit’s Installments-as-a-Service (IaaS) platform will be embedded into APPS’s suite of white-label booking, boarding tools, API’s and merchant facing. Moreover, we expect to see more scrutiny on Fintech from regulators, consumers, and businesses to reduce fraud, so KeyBank is focused on enabling thoseTOTAL MARKET ISV GPV US$5. 7. territories. The 4 Steps to Becoming a Payment Facilitator. The figure below illustrates these points. The Electronic Transactions Association (ETA) is the global trade association representing more than 500 payments and technology companies. Payments Infrastructure; Monetization; Agents & ISOs. As online re-sellers, independent software vendors (ISVs), marketplaces, payment facilitators, and other formal and informal designations proliferate, it can be difficult to determine what model is being used and how to characterize a given transaction. When you are listed, you help secure the promise of a trusted payment system by highlighting your investment in data security and the. An ISV, usually, has an option of getting underwritten as a regular payment facilitator by an authorized acquiring bank. Elena Moye Johnston is a transformational leader with over 20 years of experience in driving growth and innovation for brands in the games, lifestyle, education, and tech industries. GETTRX Zero; Flat Rate; Interchange; Learn. Fast, efficient boarding solutions that orchestrate third-party and internal systems to help you turn prospects to customers – face-to-face, on the phone, or online. ISVs are primarily B2B providers, selling their software to a wide range of businesses in the payments space, including payment facilitators (PayFacs), payment processors, and merchant acquirers. It parallels the ISO model but with some key differences. In the PF model, the ISV establishes a payment acceptance account with an acquirer and then uses this account to facilitate payments on behalf of its clients (hence the term payment facilitator). When an ISV becomes a payment facilitator, they take up the additional role of a merchant acquirer and a software provider. An article describing merchant and referral services models, providing alternatives to payment facilitator model ️ VAR, ISV, and next-gen ISO. The company did not respond to a request for comment by press time. About Us; FAQs;. From the start, we put our payment expertise to work for you. PFs’ transaction volume is expected to grow 88% YOY and reach $513B by. The Industry's Most Innovative Payments Software Solutions Providers Will Be Featured at TRANSACT. Visa’s rule change was effective August 31, the bulletin said. A payment facilitator is a merchant-service provider that simplifies the payment-collection process for its clients (also called sub-merchants). If necessary, it should also enhance its KYC logic a bit. From onboarding to booking, from point of payment to disbursement of funds. ISVs who establish Payfac capabilities look well-placed to build defensible competitive positions, with lower levels of disintermediation risk in our view. In-Person. The most common mistake we see ISVs make when it comes to payment facilitation is trying to take on too much, too soon. Instalment. Simplify online payments. “Every payments processor that an ISV may. Register your business with card associations (trough the respective acquirer) as a PayFac. A payment facilitator (Payfac) provides payment services through aggregating merchant funds into a master, pooled account. ISVs who establish Payfac capabilities look well-placed to build defensible competitive positions, with lower levels of disintermediation risk in our view. APPS provides solutions to merchants of all sizes. DEVELOPER & ISV SOLUTIONS Global Omnichannel Payment Infrastructure – Everywhere you need to be. The partnership will create many new buy now pay later (BNPL) options for merchants to access as part of APPS white-label acquiring programs for ISO's, ISV's and Payment Facilitators. As we’ve mentioned in one of our articles, a payment facilitator actively participates in sub-merchant funding, and each of its sub-merchants is funded under a separate MID. The payfac stands in place of the merchant for the purpose of credit. Visa Ready. oice operaions for the payment facilitator marketplace that is expected to top $4. Glenbrook focuses on you – on your unique challenges and opportunities. Splitit, a Buy Now, Pay Later (BNPL) platform, announced its partnership with Atlantic-Pacific Processing Systems, a payment solutions provider, to deliver an integrated card-based instalment payments solution. payments with an ISV remain processing with the ISV’s integrated acquirer for 34 months on average, compared to 30 months for all other merchants, U. The three primary options for an ISV to integrate payments include: Integrating to a PayFac. The award recognizes software. Becoming a payment facilitator is a change to your operational and support models, has and it pays long-term benefits. An ISO is a third-party payment processor. ISVs create software for companies in the payments industry. International tax may apply toward Australian and. the marketplace seller is registered with the Department. C. So, why would a software vendor (or any payments company) choose to be a payment facilitator over an independent sales organization? The short answer is - PayFacs have more control. Establish a processing partnership with an acquirer/processor. Payment Facilitators. BOOKINGS ARE NOW BEING TAKEN THROUGH OUR NEW WEBSITE. "Business Development | Strategic Partnerships | ISO, ISV, Payment Facilitator 10mo Report this post I met Royce maybe a year ago, and it was my pleasure to be a guest on his podcast recently. ISVs are primarily B2B providers, selling their software to a wide range of businesses in the payments space, including payment facilitators (PayFacs), payment processors, and merchant acquirers. they have entered into a written agreement whereby the marketplace seller agrees to assume responsibility for the collection and remittance of tax on sales made through the marketplace facilitator; and 2. Payments Facilitators (PayFacs) have emerged to become one of those technology capabilities that have challenged the balance of power in the merchant services space. Compliance lies at the heart of payment facilitation. 01274 649 895. How convenience chain Minuteman is optimizing self checkout After a retrofit at a high-volume store failed, the North Carolina-based convenience store company went back to the drawing board and improved the design. It handles merchant account setup and smooths payment acceptance for an ISV or SaaS platform. Our top priority is safeguarding your business and customers. Simple order API. Solutions. Offering similar services to payment processing tools like Stripe or PayPal, PayFac is a third-party merchant service provider. Here are five of the key reasons. Many companies want to incorporate payments processing as a part of their suite of services. In the rapidly changing landscape of modern commerce, the way we pay has undergone a remarkable transformation. PayFac = Payment Facilitator. Tap to Pay. The Payment Facilitator integrates with the payment partner for processing, but handles all other services and responsibilities themselves. limitless business with OnePay’s integrated payment solution. North American payment facilitators are generally. For a traditional ISO the only option to stay afloat in the. May 2, 2022. This includes major enterprise partners, philanthropic institutions and third-party software providers. Get In Touch Flexible, integrated payment solutions for software vendors. Understand and potentially migrate the business and payment model to a SAAS and ISV payment provider GVGROUP SOLUTIONS Developed options and requirements for connecting to major acquiring banks and payment networks under different third-party models (i. Payment Facilitator Enablement. 01332 477 853. Manages all vendors involved with merchant services. Simplifying Payments for Businesses Everywhere. If they sell at 2. PayFacs: The Ins and Outs of The Payment Facilitator Model Payment facilitators (PayFacs) are companies that. They act as intermediaries, simplifying the complex world of payments for businesses of all sizes. PayFacs take care of merchant onboarding and subsequent funding. Acquirer’s risk department decides whether to underwrite a prospective merchant or not. ISV & MERCHANT HITRARCHY PAYMENT LOGIC Manage your all of your resellers and merchant with one login top down hierarchy view. ISO prospects (beside payment facilitator model) A payment facilitator (PayFac) is a type of merchant acquirer that provides processing services to companies looking to accept card payments. With a superior level of fraud detection and an advanced risk management system, OnePay guarantees you a safer and quicker payment experience, that can smarten up your business operations and drive better revenue growth. A payment facilitator needs a merchant account to hold its deposits. By contrast, the payment facilitator model eliminates the lengthy underwriting process and brings developers even more control over their merchant’s processing experience. Payments companies raised more than 40 funding rounds of $100 million or greater in 2021, according to S&P Capital IQ Pro. Since Stax is a certified payment facilitator, you can instantly onboard customers and bypass lengthy approval processes. About payment facilitators. Aggregate processing means the funds from transactions are paid out to the PayFac first, who then distribute them to. Discover our flexible and convenient billing plans and payment options tailored to suit your needs. In contrast, payment facilitators offer sub-merchant accounts to their clients and process transactions. The opportunity for payment processing providers presented by partnerships with Independent Software Vendors (ISVs) is immense; TSG estimates there are over 300,000 active ISVs worldwide, and some experts predict that by the end of 2024, revenue from. Acquiring & managing merchants has never been easier. 00; ZIP CODE 64798; Expiry Date : 10/25ISV. Meeting your platform or marketplace needs. The payment facilitator will, in turn, move the funds to the merchant’s bank account. All information listed is as available. Here are the key players in the chain and their roles in the facilitation model; 1. VP, Customer Success. ISV that wants to keep its brand at the forefront at all imes and has the resources to manage markeing and customer service. However, they differ from payment facilitators (PFs) in important ways. and Canada plan to stop using. Payment-facilitation-as-a-service or PFaaS. * Significant M&A activity. ISOs mostly resell merchant accounts, issued by multiple acquiring banks. As an ISV, it’s crucial to not only provide the capability for credit and debit card acceptance, but to also identify potential value-added services to enhance the payment experience and provide additional revenue streams. establishes a payment acceptance account with an acquirer and then uses this account to. Ecommerce. 1 This page sets out the terms and conditions under which you can make payments through the allpay internet payment facility (“Facility”) on our website or via the allpay mobile application (“App”). We offer one partner agreement and easy integration for the U. When it comes to security, you have the freedom to relax. The application process only takes 4 minutes, with a 24-hour approval time. NMI is reimagining the payment gateway. and 15% are in the process of transitioning their payment processing to an ISV provider. Secure. Pre-certified for easy integration. Payment Facilitator Paradigm and Beyond: VAR, ISV, Next-generation ISO; Gateway Selection for SaaS and PayFac Payment Platforms;This growth will be further fueled by the continuing expansion of marketplaces and social commerce, as small and even micro businesses (such as content creators) start to use payments software and services. E-commerce payment solution 11. As new businesses signed up for financial products (e. Once the deal is signed, the SI partner helps the client adopt the software and drive value for the remainder of the customer lifecycle. An acquiring bank assumes underwriting-related risks and liabilities. Riding the New Wave of Integrated Payments. Embedded ISV payments are more equipped to help merchants scale because they are hyper-focused on their niche. Merchants get underwritten more efficiently, while acquirers are relieved of some merchant services, delegated to PayFacs for a reward. payments with an ISV remain processing with the ISV’s integrated acquirer for 34 months on average, compared to 30 months for all other merchants, U. The partnership will create many new buy now pay later (BNPL) options for merchants to access as part of APPS white-label acquiring programs for ISO’s, ISV’s and Payment Facilitators. Elavon and U. ISVs who establish Payfac capabilities look well-placed to build defensible competitive positions, with lower levels of disintermediation risk in our view. They understand how growth occurs within their industry and how a company’s needs change alongside their business. An ISO is a third-party payment processor. The PayFac focuses on providing local support to merchants while the acquirers handle the complexity of the. Where Onepay provides all the features mentioned above. Payroc, best-in-class payment processing options: in-person, on-the-go, e-commerce, seamless integrations and the Payroc Choice program. Holiday Club Location: Forest Prep School, Moss Lane, Timperley WA15 6LJ. Get In Touch Flexible, integrated payment solutions for software vendorsAccept payments virtually from anywhere, anytime. BNY Mellon. The ISV or SaaS company gains a competitive advantage by offering a cutting-edge feature set, and they grow their revenue from payment residuals. In fact, integrating with a payment processor that offers no piece of the. OnePay’s integrated payment solution is designed to give you greater freedom than any other ISV payment gateway solution. This is part of APPS white-label acquiring programmes for ISO’s, ISV’s and Payment Facilitators. ISOs and ISVs are both B2B providers, working with merchants and the companies who serve them. Acquiring banks willingly delegated them to payment facilitators in exchange for part of liabilities and residual revenues. About a decade ago card associations defined the payment facilitator model and set the rules of the game for PayFacs. Getting started with Cybersource advanced for the simple order API ( PDF) Creating and using security keys ( PDF) Simple order API release notes ( PDF) PIN debit services using the simple order API ( HTML) Back to top ^. In general, if you process less than one million. Elevate your application with efficient integrations, support — and now even devices to complete your platform. For service providers published on the Registry, if Visa does not receive the appropriate revalidation documents: Within 1 - 60 days upon expiry of the validation documents, the service provider will be identified by the icon in the Registry. Integrating payments can be beneficial both. Simplify the payment process and provide a user-friendly experience for your customers. Access to a full suite of payment tools including SplitPay ®, commission payments. In-Person. An ISO is a third-party payment processor. Considering all the challenges we have all seen with level 4 merchants becoming compliant, this is a. Determining the optimal model for a platform entails analysis of the benefits, total cost of ownership, and risks. At a Glance. Credi2. . It serves the recreation, race, sports. PayFacs perform a wider range of tasks than ISOs. Fiserv took a different approach and built its own ISV, called Clover. Responsibilities include: • Ongoing remote support for Dynamics GP/SL/NAV and ISV solutions. An ISV can choose to become a payment facilitator and take charge of the payment experience. Integrating to one or more processors. By building this layer, KeyBank can work closely with Integrated Software Vendors (ISV), Payment Facilitators (PF), and Independent Sales Organizations (ISO) who otherwise struggle to manage risk in-house in an ever-changing financial environment. , Elavon or Fiserv) which enables them to operate as a master merchant account. g. But for this purpose, it needs to build a strong relationship with an. . Payment-facilitation-as-a-service or PFaaS. A key technology and business partner for merchants and the first-line providers of payment services (think ISVs and ISOs) is the payment gateway. But agreement on at least some things could still provide some relief for payment facilitators who are burdened with navigating the state-by-state patchwork of money transmitter licensing. ISV=Payment Facilitator – ISO? An independent software vendor (ISV) provides technical solutions, allowing other companies to accept electronic payments on behalf of themselves and their sub. That means with the Stax API, your business can integrate Stax payment processing for ISV and data into an existing application or system. e. APPSos is a singular, elegant platform that aggregates & connects all your data throughout the complex world of processing. Compliance lies at the heart of payment facilitation. , loan, bank account), adding payment processing and a merchant account was a natural next step. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPSV), Merchant Service Provider (MSP), Third Party Agents (TPA) of Fifth Third Bank, N. Contracts and merchant relationships. Find contacts: direct. • Customize the branding, underwriting, and submerchant portal for each ISV, providing them with a “Payfac lite” or “managed Payfac. Essentially PayFacs provide the full infrastructure for another. At their simplest, gateways provide a single interface to their users that, once built, lets the party using it switch between acquirers with relative ease in order to get better performance, service. J. The reason is simple. A payment facilitator is a company (generally an ISV) that allows its users to accept payments through their software using their infrastructure. For a traditional ISO the only option to stay afloat in the present-day market situation is to become something else. • Customize the branding, underwriting, and submerchant portal for each ISV, providing them with a “Payfac lite” or “managed Payfac. The best solution for your platform’s long-term success is to work with an. 2K Companies $787B Processing. Partnering for success. Properly considering these options before pursuing a course will prove beneficial for development costs, customer features and the overall. 2T GPV US$148B Yet there are 23,000 business-to-business sotware-as-a-service companies worth $32. (GETTRX) is a registered ISO/MSP/PSP/Payment Facilitator for Merrick Bank, South Jordan, UT, FDIC insured. Our unique, connected infrastructure serves every dimension of commerce, carrying. IAP (In-App Payments): A mobile payment application that lets consumers purchase goods or services within the application (for example, mobile food order-ahead apps, pay for parking apps). The market is vast, with over 15,000 software platforms, 280 payment facilitators, and around. It’s perfect for use in public worship services and for your private Bible studies. Mobile. ISV payment integration benefits & opportunities. Integrating payments can be beneficial both. The expectation of the end customer to have a completely seamless buying experience (including making the payment) is driving change across the entire payments ecosystem, including the ISV space. Payment Facilitators contract directly with the sub-merchant for processing services and perform key payment activities in-house. ISV Payment Models. Third-party integrations to accelerate delivery. After facing pushback from the tax community and third-party payment facilitators, the Form 1099-K reporting threshold will remain unchanged for calendar. Buyers spent over $45 billion on payments targets globally across more than 150 transactions, according to 451 Research's M&A Knowledgebase and S&P Capital IQ Pro. OnePay is more than just a payment solutions provider – we are your partner in growing your business. Sandbox Login and Payment Testing. Becoming a payment facilitator is a change to your operational and support models, has and it pays long-term benefits. An acquirer must register a. S. The underlying role that these fill for a business is to provide merchant services, and you can read our reviews of various merchant service providers here. Becoming your own payment facilitator might be a great business move, but it contains significant risks. Building data retention and privacy program as well as making sure encode card networks are met (2-8 months and $300,000) increases the cost of $750,000. Rules of the game for those, who wanted to make some money on payment facilitation services, were set by. By building this layer, KeyBank can work closely with Integrated Software Vendors (ISV), Payment Facilitators (PF), and Independent Sales Organizations (ISO) who otherwise struggle to manage risk in-house in an ever-changing financial environment. Mobile. A payment facilitator (PayFac) is an organization or company that provides embedded payments, including all the services and solutions that its customers need to accept payments, such as the technical infrastructure and behind-the-scenes processes that make payments happen. The program supports the Card Brand rules and guidelines which enables payment facilitators to facilitate payments seamlessly on behalf of multiple sub merchants. Payment Pages. This starts with the merchant application, extending to. (ISV) you specialize in developing and then selling software that can help serve a long list of purposes for your clients who need to process credit cards and or. The. Payments are integral to this goal, and offering payment facilitation will undoubtedly boost your revenues. C.