PayFacto: Global, Customizable Payment Gateway Solutions

Introduction & Executive Summary

PayFacto is an international payment gateway and processor based in Montréal. It formed from the merger of CT-Payment, B2Billing, and Supreme Payments, bringing together extensive knowledge in payment processing, acquiring, and POS technology. PayFacto offers smooth and scalable payment solutions and gateway services across Canada, the United States, the United Kingdom, and some Asia-Pacific markets.

With over 22,000 merchants, more than $10 billion in annual transaction volume, and over 500,000 transactions processed each day, PayFacto has established itself as a reliable partner for merchants, independent software vendors (ISVs), agents, and payment platforms.

Supported Regions & Market Reach

• Primary Markets: Canada, United States, United Kingdom

• Expanding Presence: Asia-Pacific region, supporting international merchant needs

PayFacto enables multi-currency payment acceptance and offers regional support contact points to serve its clients more effectively. Its reach and infrastructure allow it to support both domestic and cross-border business operations.

Core Solutions & Product Suite

1. In-Person / Physical Payment Options

PayFacto supports a comprehensive lineup of modern in-store terminals, including:

• PAX A35 – Compact PIN pad ideal for retail checkouts

• PAX A80 – Reliable countertop terminal for high-volume usage

• PAX A920 / A920Pro – Sleek, Android-powered mobile terminals for businesses that require mobility

• PAX IM30 – Built for unattended environments such as kiosks and vending machines

These terminals process EMV chip, contactless (NFC), and magstripe transactions. They’re tailored for sectors like hospitality, food service, and retail, offering speed, flexibility, and security.

2. E-commerce & Online Payments

PayFacto’s gateway supports businesses operating online through:

• A robust REST API for full transaction processing integration

• Secure hosted checkout pages that minimize PCI compliance requirements

• Built-in tokenization for recurring billing and secure card storage

The solution supports major card brands including Visa, Mastercard, American Express, Discover, and Interac, allowing merchants to operate at scale without compromising on security or flexibility.

3. Hospitality Point-of-Sale (POS) Systems

PayFacto owns and operates specialized POS systems for hospitality, including:

• Veloce POS – Tailored for fast-paced restaurants, cafes, and quick-service environments

• Maitre’D POS – Ideal for full-service restaurants, hotels, and food service operators

These platforms integrate directly with PayFacto’s payment ecosystem to streamline workflows from table ordering to payments and reporting.

Partner Programs and Embedded Payments

1. ISVs and SaaS Platforms

PayFacto’s embedded payment solutions are built to support independent software vendors and software-as-a-service platforms. Key features include:

• Seamless integration via REST API and white-label hosted options

• Branded merchant onboarding, allowing ISVs to retain control over user experience

• Gateway-agnostic support: platforms can use PayFacto’s acquiring while maintaining their existing gateway infrastructure

• Tokenized billing, fraud prevention, and real-time reporting dashboards

These capabilities allow SaaS businesses and vertical platforms to offer integrated payments, build new revenue streams, and reduce complexity for their merchants.

2. ISO / Agent Partner Program

PayFacto offers a full suite of services for independent sales organizations and payment agents. Benefits include:

• Revenue-sharing programs for agents and ISOs

• Access to proprietary terminals, gateway tools, and underwriting support

• Instant merchant onboarding and white-label reporting tools

• Technical and operational support across North America and the UK

The program is well-suited for resellers targeting hospitality, retail, professional services, and SaaS businesses.

Security, Risk Management & Compliance

Fraud Detection & Chargeback Mitigation

PayFacto incorporates advanced risk management into its payment infrastructure, including:

• Real-time fraud monitoring

• Customizable transaction rules

• Automated chargeback detection and resolution tools

• Secure onboarding with robust KYC and underwriting practices

These controls help minimize fraudulent activity while maintaining a smooth customer experience.

3D Secure & Strong Customer Authentication

For regulated regions and online commerce, PayFacto enables:

• 3D Secure for liability shift and stronger identity verification

• Support for Strong Customer Authentication (SCA) where applicable

These features are particularly useful for e-commerce merchants in markets where enhanced authentication is mandated or preferred.

PCI Compliance & Tokenization

PayFacto ensures secure data handling through:

• Tokenization for recurring billing and card storage

• Hosted checkout solutions that keep merchants out of PCI scope

• Ongoing compliance updates and risk assessments for terminal and online environments

Developer Experience & Integration Tools

PayFacto provides developer-focused tools to accelerate implementation:

• RESTful API for full transaction lifecycle support

• API documentation and sandbox environments for testing

• Webhooks for transaction notifications and real-time updates

• Support for bring-your-own-gateway setups in embedded flows

The developer stack is designed to support both quick integrations for startups and deep customizations for enterprise partners.

Merchant Services & Support

Customer Support Model

PayFacto provides region-specific support across Canada, the US, and the UK. Key features include:

• Dedicated merchant help desk and live technical support

• Online documentation center with knowledge base and user guides

• Terminal support by model, including troubleshooting guides and configuration manuals

• Training materials for back-office tools, hosted payment page setup, and surcharge configurations

Onboarding & Documentation

New merchants and partners benefit from:

• Streamlined onboarding via API, portal, or branded forms

• Rapid KYC and approval process for merchants

• Agent and partner support to guide onboarding and configuration

• Self-service documentation center and training resources

Unique Strengths & Differentiators

1. Hospitality Industry Expertise

PayFacto stands out in the hospitality sector, offering native support for restaurant operations, hotel payments, tipping, and table-side transactions. Its proprietary POS platforms make it especially well-suited for these environments.

2. Modular Infrastructure

PayFacto’s infrastructure supports:

• Hosted or embedded checkout

• Multiple pricing models and transaction flows

• Gateway-agnostic integration for embedded partners

This flexibility allows businesses to evolve and grow without needing to migrate platforms.

3. Partner-Ready Design

From ISVs and agents to SaaS platforms and marketplaces, PayFacto is built to serve a wide network of channel partners. It handles compliance, onboarding, merchant support, and reporting.

Conclusion

PayFacto is a modern payment gateway designed for scalability, flexibility, and ease of integration. Its strong focus on the hospitality and retail sectors, along with robust developer tools and partner-friendly programs, makes it a great choice for businesses in North America and beyond.