Payment Facilitator Platform

Onboard Merchants. Collect Payments. Scale Your PayFac.

PayBito's payment facilitator platform gives you the sub-merchant management, multi-method checkout, and settlement infrastructure you need to operate as a PayFac — without building a payment stack from the ground up.

Launch Your PayFac Talk to Sales

● 4 Sub-Merchants Active

✓ $14,200 Processed Today

What Is a Payment Facilitator?

A PayFac Aggregates Merchants Under One Master Account

A payment facilitator (PayFac) is a master merchant that enables sub-merchants to accept payments under its own account — removing the need for each business to establish a direct acquiring relationship. PayFacs own the onboarding experience, checkout configuration, and settlement flow for all merchants beneath them. PayBito provides the infrastructure to operate exactly this way.

Sub-Merchant Account Management

Add, manage, and monitor team members and sub-merchants with role-based access across 14 permission areas — from Transaction viewing to Configuration management.

Per-Merchant Checkout Configuration

Each merchant gets independently configurable payment profiles — different methods, fee rules, buyer fields, discount structures, and redirect URLs per checkout link.

KYB-Gated Merchant Onboarding

Business verification (KYB) gates live payment processing, ensuring compliance from the start. Verified merchants unlock Tier 1 limits and can progress to Tier 2 for higher volumes.

Dual Settlement: Bank & Crypto

Settle across 10+ crypto assets to wallet addresses, or withdraw to a registered bank account (IBAN / IFSC). Both paths available simultaneously from Settlement.

Your PayFac Platform Capabilities

Multi-method checkout stack. PayPal, Stripe, and all crypto wallet modes available to every merchant you onboard — configured and activated in minutes.

Recurring & one-time billing. Support SaaS subscription merchants and single-purchase sellers under the same PayFac umbrella — side by side.

Link, QR, button, invoice. Every merchant you facilitate distributes payments via shareable links, embeddable buttons, QR codes, or email invoices.

API-first integration. Named API keys, webhook event delivery, and domain whitelisting give technically sophisticated merchants deep platform access.

Analytics per merchant. Daily volume charts, successful vs. failed transaction comparisons, and CSV export available per account for full visibility.

Part of Start Payment Business — the full guide to launching a payment company with PayBito's infrastructure.

Platform Features

The Tools Every Payment Facilitator Needs to Operate

PayBito packages the core operational capabilities of a payment facilitator — checkout control, settlement management, merchant tools, and developer access — into a single production-ready dashboard.

Sub-Merchant Onboarding & Access Control

Add sub-merchants and team members with granular permissions across 14 access areas — control who views transactions, modifies configuration, manages settlement, or accesses developer tools.

Independent Payment Method Profiles

Enable Stripe for one merchant, PayPal + crypto for another, and guest checkout only for a third. Profiles attach to individual payment links — giving each merchant a tailored checkout experience.

Fee Routing & Discount Engines

Define whether processing fees flow to customers or are absorbed per checkout template. Layer up to 50 rule-based cart discounts, plus shipping percentage and tax rate per merchant.

Recurring Billing for SaaS Merchants

Create subscription payment profiles alongside one-time payment links. SaaS merchants under your PayFac accept recurring payments in any active method — cards, PayPal, or crypto — from the same flow.

Unified Transaction Dashboard

All merchants' transactions — PayPal, Stripe, and every crypto wallet — appear in one Transactions view. Filter by payment method, network, currency, date, and status. Export CSV for reconciliation at any time.

Developer API & Webhook Infrastructure

Generate named API keys with scoped permissions, configure webhook endpoints for real-time payment events, whitelist domains, and access full documentation — all from the Developers section.

Supported Payment Methods

Every Method Your Sub-Merchants and Their Customers Expect

As a PayFac on PayBito, you offer a payment stack covering cards, digital wallets, and crypto — all configurable per merchant, per product, per checkout.

Stripe Card Processing

Connect Stripe via Publishable and Secret API keys in Payment Settings. Sub-merchants accepting cards take Visa, Mastercard, and other card networks through Stripe's infrastructure — no separate gateway contract required.

Stripe APIVisa / MCpk_live / sk_liveGlobal

PayPal (REST API)

Enable PayPal payments by entering a REST API Client ID and Secret. Serving 400M+ active accounts globally, PayPal gives your sub-merchants instant credibility with buyers who prefer not to enter card details online.

PayPal REST APIClient ID + Secret400M+ Users

Crypto Checkout — 3 Modes

Brand Wallet (custodial), External Wallets (MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink via WEB3), and Guest Checkout where buyers send crypto to a payment address — no wallet app needed.

Brand WalletMetaMaskTrust WalletCoinbasePhantomGuest

Payment Links

Shareable, trackable

QR Codes

In-store & print-ready

Embed Buttons

Any web page

Email Invoices

Send & track billings

Payment Tolerance

Handles crypto variance

Redirect Templates

Success / fail / cancel

Platform Comparison

PayBito PayFac Platform vs. Building In-House

Establishing a traditional PayFac takes months of integration work, acquiring relationships, and compliance setup. PayBito gives you the same capabilities — instantly.

PayFac Requirement	PayBito Platform	Traditional Build	Standard Reseller
Sub-merchant management & role access	14 Areas	Custom Dev	No
KYB merchant onboarding flow	Built-in	Custom Build	Basic Only
PayPal + Stripe + Crypto in one checkout	All Three	Multiple Contracts	Usually One
6 External Wallet Integrations	Included	Each Custom	No
Recurring / Subscription Billing	Yes	Months of Dev	Varies
Per-profile checkout customisation	Full	Custom Build	No
Bank + Crypto dual settlement	Both	Bank Only	Bank Only
Time to first live transaction	< 1 Hour	6–18 Months	Days to Weeks

Why PayBito

The Infrastructure Behind a Modern Payment Facilitator

Operational from Day One

Verify email, complete KYB, connect payment methods — your PayFac account is processing live transactions. No procurement cycle, no infrastructure backlog, no integration lead time.

One Dashboard for All Merchants

Every sub-merchant's transactions, settlements, and configuration appear in a single merchant account. No switching between portals or running separate reconciliations across gateways.

Tiered Limits That Scale

Start with Tier 1 ($1,000/day, 90 payments/month) after KYB and progress to Tier 2 for higher volume. Limits scale alongside your PayFac business without infrastructure changes.

10+ Crypto Assets, Multi-Network

BTC, ETH, BCH, LTC, USDT (NATIVE & ERC-20), USDC, XRP, DOGE, HCX, and INR — all available at checkout and for settlement across NATIVE and ERC-based networks.

Product Catalogue & Pricing Tools

Sub-merchants build product catalogues with variants, multi-currency pricing, inventory tracking, and metadata — linked directly to payment profiles for instant sellable checkout pages.

Compliance-Ready by Design

Email verification plus KYB is mandatory before live processing — ensuring every merchant under your PayFac has passed identity and business verification before taking any payments.

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