Pay Fac-as-a-Service Without Building It All Yourself
You want more control over payments. You do not need more operational complexity.
SuperSonic PayFac-as-a-Service gives ISVs and software platforms the infrastructure to onboard submerchants, monetize payment volume, manage payouts, and build a stronger payments business without creating every layer of a traditional payment facilitator operation from scratch.
Own more of the opportunity. Let SuperSonic handle more of the heavy lifting behind it.
Get the benefits of payment facilitation without starting from zero
Becoming a payment facilitator can give your software company more control over merchant payments and more opportunity to participate in the revenue they generate.
It can also mean building underwriting systems, compliance programs, risk operations, merchant onboarding, payout infrastructure, reporting, and payment-support processes.
SuperSonic PayFac-as-a-Service gives you a different path.
Build payment facilitation into your software while using SuperSonic infrastructure to support the complex operational layers underneath it.
More control over payments without building an entire payments company around them.
Onboard and underwrite sub-merchants at scale
Every merchant you bring into your payment program needs to be evaluated before they can begin processing.
Doing that manually becomes harder as your platform grows.
SuperSonic supports submerchant onboarding and underwriting workflows that can include:
- Business and identity verification
- KYC and KYB checks
- Ownership verification
- Sanctions screening
- Merchant risk assessment
- Bank account verification
- Ongoing account requirements
Your merchants get a streamlined path toward payment acceptance while your team avoids building every verification and underwriting system internally.
Faster onboarding. Less operational lift. A payment program built to scale.
Offload more of the compliance and risk burden
Payments create obligations that do not stop once a merchant is approved.
Risk profiles change. Regulations change. Suspicious activity has to be monitored. Payment networks and financial partners have ongoing requirements.
SuperSonic provides compliance and risk infrastructure designed to support the merchant lifecycle, including ongoing monitoring and payment risk management.
That lets your software company stay focused on its product and merchant relationships while SuperSonic helps manage the operational framework behind your payment program.
You grow the payment business. We help support the infrastructure underneath it.
Manage merchant funding and payouts
Processing the transaction is only one part of payment facilitation. Your merchants also need their money delivered accurately and according to the payment program you offer. SuperSonic provides settlement and payout infrastructure that helps manage the flow of transaction funds from payment through merchant funding.
Depending on your payment program, you can support:
Merchant payouts
Flexible payout schedules
Payment status
Funding visibility
Settlement reporting
Reconciliation
Keep risk, disputes, and payment activity connected
As payment volume grows, so does the importance of knowing what is happening across your merchant portfolio.
SuperSonic keeps payment operations connected so your platform can maintain visibility into activity such as:
- Transactions
- Refunds
- Disputes and chargebacks
- Merchant risk
- Payouts
- Payment status
- Reconciliation
- Merchant-level reporting
- Platform-level reporting
Instead of building separate systems around every part of the payment lifecycle, you get a more connected operating environment.
Better visibility. Faster answers. More control as your portfolio grows.
Own the right parts of the payment experience
PayFac-as-a-Service is about choosing where your platform creates value and where specialized payment infrastructure should take over.
Your team can stay focused on your software, merchants, pricing strategy, and payment experience.
SuperSonic helps power the underwriting, compliance, processing, risk, funding, and operational systems underneath that experience.
Want to focus primarily on how payments look and feel under your brand?
Need a broader way to add payments to your software?
Build for growth without rebuilding your payments operation
A payments model that works for a small merchant base may not work when your platform reaches hundreds or thousands of businesses.
SuperSonic PayFac-as-a-Service gives you infrastructure designed to support a growing submerchant portfolio without forcing your team to recreate payment operations at every stage.
Scale merchant onboarding, payment volume, risk operations, payouts, reporting, and payment monetization on one connected foundation.
Grow the payment business without letting payment operations become the business.
FAQs
SuperSonic POS is an all-in-one point-of-sale, payment processing, and cloud-based business management platform built by store owners, for store owners.
From processing transactions and managing inventory to tracking sales and reducing losses, SuperSonic brings everything you need to run your business into one connected platform.
With SuperSonic, you get more than a POS system. You get the tools, insights, and support to take control of your operations, make smarter decisions, and get more out of every store.
Whether you're running a single neighborhood store or managing multiple locations, SuperSonic is built to help businesses of all sizes operate smarter and grow.
Our platform supports convenience stores, gas stations, liquor stores, smoke and vape shops, grocery stores, supermarkets, quick-service restaurants, and specialty retailers.
Every business operates differently. That's why SuperSonic offers flexible hardware, integrated payments, and industry-specific tools designed to fit the way you work.
With SuperSonic, you can:
- Speed up checkout: Process transactions quickly and accept credit, debit, EBT, eWIC, OTC, and other supported payment methods.
- Take control of inventory: Manage products, pricing, purchase orders, and stock levels from one platform.
- Monitor your business from anywhere: Access real-time sales, reporting, and performance insights across one or multiple locations.
- Reduce losses: Identify suspicious transactions, monitor employee activity, and connect transaction data with security footage.
- Keep customers coming back: Build loyalty with rewards programs, gift cards, promotions, and customer engagement tools.
- Connect your operations: Manage online ordering, delivery integrations, and supported fuel operations without juggling disconnected systems.
From the checkout counter to the back office, SuperSonic helps you spend less time managing systems and more time growing your business.
PayFac-as-a-Service is a payment model that lets a software platform offer many of the capabilities of a payment facilitator without building and operating the entire PayFac infrastructure itself. SuperSonic provides underlying capabilities for submerchant onboarding, underwriting, payment processing, risk and compliance, payouts, reporting, and payment operations while the software platform builds its merchant payment business on top.
A traditional payment facilitator takes on substantial responsibility for card-network relationships, submerchant underwriting, compliance, risk management, payment operations, payouts, disputes, reporting, and other infrastructure. PayFac-as-a-Service lets a software company gain more control over merchant payments and payment economics while relying on a provider like SuperSonic for much of that underlying operational infrastructure.
In a PayFac-as-a-Service model, the payment provider can handle much of the underlying merchant verification, underwriting, compliance, and ongoing risk infrastructure. With SuperSonic, that can include KYC and KYB verification, merchant risk assessment, sanctions screening, ongoing monitoring, and other payment requirements, allowing the software platform to focus more heavily on its product and merchant relationship.
PayFac-as-a-Service can allow a software platform to participate more directly in the economics of payments processed by its merchants. Depending on the commercial structure, the platform may generate revenue through transaction pricing, payment markups, platform fees, revenue sharing, or additional payment services. As merchant payment volume grows, payments can become a recurring revenue stream alongside software subscription revenue.
Ready to build a bigger payments business?
You do not have to become a traditional payment facilitator from the ground up to take more ownership of payments.
SuperSonic PayFac-as-a-Service helps software platforms onboard submerchants, monetize transaction volume, manage payouts, support risk and compliance, and scale payment operations on infrastructure built for payment facilitation.
Own more of the payment opportunity without taking on every layer yourself.