Become a Payment Facilitator. Without the build, the bank hunt, or the risk.
A fully managed PayFac as a Service on rails we own. You get Payment-Facilitation-level economics and control in weeks, instead of the 12–18 months and $2.5M+ it takes to build your own. And we drive payments adoption inside your existing customer base.
“Xplor Pay’s automated onboarding pushed our average processing volume per active terminal up 1,500%.”
The build-vs-buy math
Building your own Payment Facilitator is a multi-million-dollar, multi-year bet. And that’s before a single merchant signs up.
Here’s the real cost of becoming a payment facilitator on your own:
Plus 12 to 18 months to build a US-nationwide card-rail Payment Facilitator, then $500K–$1.5M a year just to keep it running. (PayRam, 2026; Bain.)
Find one, register with Visa and Mastercard, then stand up KYC/AML, underwriting, settlement, and PCI. All of it before you process a single dollar.
Build it yourself and you own all of it: sub-merchant underwriting, chargebacks, fraud, and reserves that pile up as you scale.
The quiet killer. Most platforms stall at take rates of 10% or less, because launching a Payment Facilitation program and actually driving adoption are two very different jobs. (Infinicept.)
The smart move isn’t building your own. It’s running a Payment Facilitation program on rails that already exist, with a partner who works your customer base to drive adoption.
How it works
Become a Payment Facilitator without becoming one.
You keep the brand, the experience, and the economics. We carry the build, the registration, and the risk.
We own the rails
Xplor Pay is a direct US processor and acquirer (Clearent, since 2005), not a layer sitting on someone else’s acquirer. Fewer layers means better economics, faster decisions, and underwriting and risk teams you can actually pick up the phone and call.
Fully managed
We handle sponsorship, boarding, underwriting, risk, and PCI under our own registration. You keep the white-label experience and the customer relationship, with no Payment Facilitator license of your own to chase.
We drive payments adoption with your customers
This is the part no infrastructure provider can match. Through our turnkey model, our go-to-market team works your existing customer base to close payments deals for you, so your attach rate actually moves. It’s how partners reach 95%+ attach instead of the ~10% most settle for.
Scale ownership as you grow
Start fully managed today and graduate through the Xplor Pay Flex Framework — Ignite → Grow → Command → Own — as your volume justifies more control and a bigger revenue share. We keep handling sponsorship, registration, and risk. You take on more economics on your timeline.
The Flex Framework
Start where you are. Scale as you grow.
The Xplor Pay Flex Framework gives you a four-stage path to grow your revenue share and operational control as your platform matures. No replatforming, no provider quietly blocking your growth. See the full framework →
Ignite
Launch fast · Rev share 50–64%
Start generating payments revenue quickly with minimal operational lift. Rapid integration, fast time-to-market, immediate monetization.
Grow
Drive adoption · Rev share 65–79%
Turn early traction into consistent, scalable revenue. Improve onboarding, increase attach rates, optimize activation and usage.
Command
Increase control · Rev share 80–89%
Take a more active role in how payments support your business. Influence pricing, improve unit economics, deeper product integration.
Own
Maximize economics · Rev share 90–98%
Fully optimize payments as part of your core business model. Maximum revenue share, full payments control, payments as core revenue.
Proof
We’ve proven these economics on ourselves.
We run 20 of our own software platforms on this model. These are Payment Facilitation economics we built for ourselves, not just tooling we sell. And we’ve been a direct US processor for more than 20 years.
processing volume per location after launch, with a dental partner. That’s adoption, not just access.
in annual interchange savings for a healthcare partner. Better rails, better economics.
“I love how they work with my clients. The all-in-one portal is huge, and they were one of the first to have it.”
How we compare
Why give your revenue and control away?
Xplor Pay next to the other Payment Facilitation providers.
| Finix | Tilled | Stax Connect | Infinicept | Xplor Pay Best fit | |
|---|---|---|---|---|---|
| Owns the payment rails (is the processor) | No | No | No | No | Direct US processor |
| Closes merchants for you (adoption) | No | No | Helps you market | No | We close deals for you |
| Take rate / rev share that scales | Configurable | Fixed-rate | Tiered | Via partner banks | Modeled to your volume |
| Direct underwriting & risk access | Via acquirer | Via acquirer | Via acquirer | Advisory | Our own teams, directly |
| Operator track record | Founded 2015 | Newer entrant | Processor-backed | Software + advisory | 20+ yrs, 20 owned platforms |
| Path to higher rev share & control as you scale | Limited | Fixed tiers | Tiered | Advisory | Flex Framework, 4 stages |
Swipe to compare →
Comparison reflects each provider’s publicly stated positioning as of May 2026. Offerings vary by program.
Straight answers
Payment Facilitation questions, answered straight.
Do I need my own Payment Facilitator license or registration?
No. You operate as a Payment Facilitator under our sponsorship and registration, and your customers board as sub-merchants in our program. As your volume grows, the Flex Framework lets you move into higher-control stages — Grow, Command, Own — with a bigger revenue share and more operational ownership. We keep handling sponsorship and registration the whole way.
How is this faster and cheaper than building?
Building your own Payment Facilitator runs $2.5M–$7M over 12 to 18 months, plus $500K–$1.5M a year to operate. PayFac as a Service on our rails lands closer to Bain’s $200K–$800K, 2 to 3 month range, and goes live in weeks, because the rails, registration, and risk infrastructure already exist.
What’s the revenue share?
Payment-Facilitation-level economics that scale with your volume: transparent, interchange-plus, no tiered ladders. Because we own the rails, fewer layers take a cut along the way. We’ll model your exact economics on your real numbers before you commit, so you see the math instead of a vague “it depends.”
Who’s the sponsor bank, and who owns underwriting and risk?
Since we’re a direct processor, underwriting and risk live with our own teams, people you talk to directly rather than a chain of third parties. On the banking side, Clearent, LLC (operating as Xplor Pay) is a registered agent for Central Bank of St. Louis, MO and Citizens Bank, N.A., Providence, RI.
I’ve integrated payments before and adoption flopped. How is this different?
That’s exactly the failure we’re built to fix. Launching a Payment Facilitation program and driving adoption are different jobs, and most platforms stall near 10% take. Through our turnkey model, our go-to-market team works your existing customer base to close payments deals for you, which is how partners reach 95%+ attach and outcomes like $18K to $398K in volume per location.
What about PCI and security?
Through tokenization and PCI-Validated Point-to-Point Encryption, we reduce or even eliminate your PCI scope as a software provider, so you inherit enterprise-grade compliance instead of building it from scratch.
Get started
See your Payment Facilitation economics.
Tell us your platform and your volume. We’ll come back with a custom Payment Facilitation model, a go-live path, and a plan to drive adoption with your customers. Here’s how it goes:
Book your fit call
Within one business day
We email you within one business day to lock in a 30-minute call with a Payments Consultant.
Your custom Payment Facilitation model
On the call
Built around your real numbers: economics, integration scope, responsibility matrix, and merchant-acquisition plan.
Go live
Weeks from kickoff
White-label boarding live, merchants flowing, our go-to-market team driving payments adoption inside your customer base.