Act as a payment facilitator.
On the market within months, not years.
For payment service providers that are licensed — or in the process of obtaining a licence — within the European Economic Area. Build your PayFac model on the Autopay infrastructure — a principal member of Visa and Mastercard — and skip the 12–24 months of the path to becoming an acquirer.
Principal Member of Visa & Mastercard · 30 European markets
Two ways to get started. One is 60–80% faster.
60–80% faster than a principal membershipThe onboarding process takes 12–24 months — and the workload begins on the very first day.
Payment service providers transitioning from the ISO model to PayFac or acquiring face the same obstacle:
PayFac is the natural next step — without the full burden of acquiring.
The Payment Facilitator model offers greater control over relationships with merchants and payment operations. It is a way to move beyond an ISO-style partnership without having to shoulder the full operational and regulatory responsibilities of an acquirer.
Reseller
Acquirer expansion. Limited control, limited margin.
Business owner
You’re responsible for onboarding, the user experience and the business side of things. Autopay manages the underlying infrastructure.
Principal Member
Maximum control — and full operational and regulatory responsibility.
Depending on local regulations, liability rests with the acquirer, the PayFac, or both parties jointly.
Why do payment service providers choose us as their PayFac partner?
Direct infrastructure schemes
Principal Member of Visa and Mastercard. You operate on our infrastructure — without holding your own membership of card organisations.
Proven, in-house technology
Our own certified 3DS server — fully cloud-based, with direct connections to Visa and Mastercard.
A dedicated PayFac team
Technology, legal, risk and compliance all under one roof — end-to-end implementation support.
The scale at which you can build
€16 billion in volume and 770 million transactions in 2025, across 30 European markets — with over 25 years’ experience.
Acquiring requires more than just a licence.
To operate as an acquirer, you’d have to set all this up and run it. At Autopay, it’s already up and running.
Each area requires its own teams, processes and systems. We’re already running them at scale.
The scope of cooperation — in detail.
Our own certified 3DS server, developed in-house
Fully cloud-based, with pre-configured connections to Visa and Mastercard
End-to-end processing, including clearing and reporting
Compliance with card mandates and support in meeting them
Support for high conversion rates on the publisher side
Transaction types
Settlement currencies
It is possible to implement additional settlement currencies.
Acquiring licences in 30 European markets.
A single platform for scaling PayFac operations across the EEA and the EU.
IC++’s transparent price list.
The partnership is based on the IC++ structure — interchange and scheme fees, plus a single, transparent Autopay margin. No hidden spread
Interchange
Covered by PayFac.
+Fee structure
Covered by PayFac.
+Autopay service margin
A single, transparent fee for infrastructure and support.
as agreed with youFrom the first meeting to go-live.
Together, we’ll assess whether the PayFac model is right for your business.
We’ll arrange another meeting to explore this in more depth.
We’ll move on to the workshop, documentation or PoC when you’re ready.
Book a 20-minute call.
Tell us what stage you’re at. We’ll confirm your eligibility and the quickest way to start operating as a PayFac within the the EEA.
Would you prefer an email? Please write to payfac@autopay.eu
Thank you.
The PayFac team will contact you within one working day to arrange a 20-minute introductory session.