Embedded Finance &
Pay-Fac as a Service.
Epitychia empowers ISVs and SaaS platforms to monetize payments and add a meaningful new revenue line — with the infrastructure, processor relationships, and architectural guidance to make it real.
Software platforms that embed payments capture a fundamentally different economic profile than software platforms that don't. Recurring high-margin transaction revenue. Stronger customer retention (the merchant moves the payment account, not just the software). Better data on customer health. The ISVs that did this five years ago are dramatically more valuable today than the ones that didn't.
Three architectures, one decision
We help you choose between the three real options:
- Referral / ISO model. You refer your customers to a payment partner; you earn a share of the residual. Simplest to implement, smallest piece of the economics.
- Pay-Fac as a Service. You operate as a Payment Facilitator from the customer\'s perspective, but your underlying registered Pay-Fac partner handles the regulatory, underwriting, and risk machinery. Better economics, faster time-to-launch, less operational burden.
- Direct Pay-Fac registration. You become a registered Payment Facilitator yourself with the card networks. Full control, full economics, full operational burden — risk underwriting, KYB, sub-merchant monitoring, scheme compliance, the works. Right above ~$50M in annual processed sub-merchant volume.
What we deliver
We bring the partner relationships (Pay-Fac as a Service providers, processors, gateway partners), the architectural guidance (sub-merchant onboarding flows, KYB integration, risk monitoring), and the build execution (we will ship the integration if you want, in collaboration with your engineering team). The end state is live embedded payments — not a strategy deck about embedded payments.
Common questions, direct answers.
- What is Pay-Fac as a Service?
- Pay-Fac (Payment Facilitator) is a model where a software platform operates as a master merchant and onboards its customers as sub-merchants. It collapses time-to-revenue, simplifies onboarding, and lets the platform monetize payment flow. "Pay-Fac as a Service" lets you get the economics and control of a Pay-Fac without the regulatory and operational burden of becoming a registered Payment Facilitator yourself.
- When should an ISV embed payments?
- When payment is a meaningful friction in your customer's workflow, when your competitors are doing it, or when the unit economics need it. Embedded payments typically add 50–150 bps of recurring high-margin revenue per transaction processed. For SaaS platforms with even modest GMV through the customer base, that becomes a material line.
- How long until we are live?
- 8–16 weeks for most embedded payments builds, depending on the complexity of the underlying platform and the partner stack. We have shipped faster; we have shipped slower. We will give you a realistic timeline at scope, not an aspirational one.
- Will we own the merchant relationship?
- In a Pay-Fac architecture, yes — the merchant is your sub-merchant. In a referral-ISO architecture, the relationship is shared with the underlying processor. We help you choose the model that matches your ambition and your appetite for operational complexity.
Schedule a strategy call.
Tell us about your stack. We'll show you where the margin is — at no cost, and with no obligation.
Book the call