Best Free Payment Facilitation (PayFac) Platforms

NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently.

Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on.

Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.

Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.

CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different. We offer a wide range of services and solutions that help organizations achieve their vision, facilitate change, and maximize performance and productivity.

Hips is a complete omnichannel payment gateway and platform for businesses, ISV's and ISO's that want to offer their customers payment terminals or online payment services. Programmatically create merchant accounts or manage terminals via our REST API. Focus on customers and sales — not payment infrastructure, acquiring, issuing, licensing, PCI certification, hardware or software. Scale your POS or payment business with a single global payment platform in 70+ countries and 60+ payment methods online, mobile or in-store. We design custom pricing and tailored payment services (gateway, acquiring or issuing) that work for you and your business model. You set the price to your merchants and keep full ownership of your customers and offers. Programmatically create merchant accounts or manage terminals. Our SDKs make it easy to integrate Hips into your own mobile and web applications for mobile, unattended, online or in-store payments.

Sola Payments is a complete omnichannel payment processing platform that unifies online, in-person, and mobile transaction acceptance with tools for billing, invoicing, recurring and usage-based billing, and flexible pricing logic, enabling businesses to offer seamless checkout experiences across channels while managing all payment activity from a centralized merchant portal. It supports a wide range of payment methods, including credit and debit cards, ACH, digital wallets like Apple Pay and Google Pay, EBT/EBT SNAP, gift cards, multi-currency transactions, and contactless payments, so merchants and platforms can meet customer preferences and expand revenue opportunities. Sola’s integrated suite includes features like smart retry for failed transactions, automated reporting and revenue recognition, and promotional pricing, helping reduce revenue loss and streamline financial operations.

We provide payments infrastructure for independent software vendors (ISVs) and software platforms to ensure small businesses get paid quickly and easily. We deliver payments you can bank on. Our APIs make flexible, integrated payments possible via referral, white label or payment facilitator models, so our customers can focus on their core strategy. WePay’s corporate values are core to who we are and how we operate. We endeavor to live up to them every day in our interactions with each other and with our customers and partners. Seamlessly integrate payments into your application; we’ll support you from behind-the-scenes. Leverage the Chase brand & network to maximize adoption of digital payments.