Embedded PayFac API for Vertical SaaS

Add payments to your SaaS
without becoming a bank

Vertical SaaS platforms that want to embed payments face three bad options: refer to Stripe and lose 30–50bps in margin, spend 18 months on Stripe Connect, or budget $5M+ to become a PayFac. PayLoop is option four: drop in one API, inherit full PayFac mechanics, keep the economics.

Get API Keys See How It Works
Built for vertical SaaS platforms 50–90bps platform take vs. 30–40bps Stripe Connect ceiling T+2 standard settlement / T+0 for vetted sub-merchants <10 min sub-merchant KYC/KYB onboarding PCI DSS Level 1 BSA/AML covered
Integration

Five endpoints.
Full PayFac mechanics.

PayLoop's REST API covers the complete sub-merchant lifecycle: /onboard, /charge, /payout, /dispute, /refund. Your engineers wire up the API; we hold the banking relationships with Synovus and Cross River, run the BSA/AML program, and file the 1099-Ks.

PayLoop Dashboard

Add the SDK

npm install or pip install. Node, Python, Ruby, and Go supported. Point /onboard at your merchant signup flow — PayLoop's hosted KYC form (Persona/Alloy under the hood) handles identity verification in under 10 minutes.

Configure your platform fee

Set your basis-point take rate per sub-merchant tier. Webhook endpoints for every payment state transition. Sub-merchant and platform dashboards available out of the box — no separate portal build required.

Go live

Flip one environment variable to production. T+2 settlement to your sub-merchants via ACH / Federal Reserve rails. FedNow-ready for T+0. PayLoop files 1099-Ks at year end — you don't touch IRS reporting.

Platform Capabilities

The full PayFac stack,
delivered as an API

Sub-Merchant Onboarding

KYC + KYB completed in under 10 minutes via PayLoop's hosted onboarding form. Identity verification runs on Persona/Alloy. Your platform never touches raw identity documents.

Card + ACH Acceptance

Visa/Mastercard direct, ACH via Federal Reserve rails, FedNow-ready instant credit push. Apple Pay and Google Pay included. NACHA-compliant ACH debit and credit flows.

Settlement & Payouts

T+2 standard settlement to sub-merchants. T+0 instant payout available for vetted sub-merchants. Platform fee is deducted at settlement — no separate invoicing to your merchants.

Dispute Management

Built-in chargeback evidence collection workflow. PayLoop assembles the response packet; your sub-merchants upload transaction evidence via a guided UI. No manual Visa/Mastercard portal work.

Compliance Coverage

PCI DSS Level 1 (we are the merchant-of-record layer). Reg E, BSA/AML program, 1099-K issuance at year end. Your platform inherits these — you do not maintain them yourself.

Platform Economics

50–90bps platform fee on gross payment volume, retained by your SaaS. Interchange-plus pricing through our Synovus / Cross River banking relationships. Published rates, no hidden network fees passed through.

PayLoop Platform Overview
<10min
Sub-merchant KYC/KYB
onboarding time
50–90bps
Platform fee retained
on gross volume
T+2
Standard settlement /
T+0 for vetted merchants
5
API endpoints cover
full payment lifecycle
Compliance Coverage

We hold the licenses.
You inherit the coverage.

Vertical SaaS platforms using PayLoop do not need a Money Transmitter license or a banking charter. Our banking partnerships with Synovus and Cross River carry the regulatory weight. Your platform inherits the compliance stack via contractual pass-through.

PCI DSS Level 1
BSA / AML Program
Reg E Coverage
NACHA Compliant
1099-K Issuance
KYC / KYB Built-In

Ready to add payments to your platform?

Sandbox API keys in minutes. A payments engineer reviews your integration spec — not a sales rep. If your vertical SaaS is the right fit, you'll know before you write a line of production code.

Get API Keys View Pricing