Paynetics enables partners to operate as Payment Facilitators under our acquiring license.
We provide a full framework for PF onboarding, merchant underwriting support, transaction processing, settlement, and scheme reporting, while ensuring compliance with Visa and Mastercard requirements.
Our Capabilities:
PF Onboarding & Registration – Full support for Visa and Mastercard PF registration, including contractual compliance, unique PF IDs, and scheme certifications.
Merchant Onboarding API – Seamless API-driven merchant submission. Integrated MATCH (MC) and VMSS (Visa) checks, automated risk scoring, and configurable flows (automated or manual UW approval). Please NOTE that some of the features are coming in Q4.
Risk Management – Continuous monitoring of Sponsored Merchants, and risk score–based KYC/KYB refresh cycles.
Transaction Processing – All merchant transactions pass through Paynetics’ acquiring platform before reaching the processor, ensuring transparency, real-time controls, and reporting.
Settlement Models – Flexible payout models (PF-led or acquirer-led), with support for rolling reserves, delayed settlement, and configurable fee models.
Reporting & Compliance –
Visa: Monthly and quarterly PF activity reporting.
Mastercard: On-demand and periodic reporting, with 5% merchant audits and compliance validation.
Full audit trail in our Admin portal.
Admin Portal – PF and merchant data fully visible, including PF IDs, risk scores, merchant status, and compliance documentation.
Value for Partners:
Faster time-to-market with minimal development effort.
Reduced compliance overhead by leveraging Paynetics’ reporting and monitoring capabilities.
Flexible configuration to match PF commercial models and merchant risk profiles.