Payment Facilitators & Aggregators

    Complete infrastructure for
    payment facilitators

    Onboard merchants fast, manage multi-merchant risk, and offer a white-label experience. All from a single platform designed for PayFacs and aggregators.

    The problem

    The real challenges of operating as a PayFac

    Being a payment facilitator means managing operational complexity at scale. These are the problems we solve.

    Slow merchant onboarding

    Manual merchant registration takes weeks, creating friction and missed business opportunities.

    Multi-merchant risk

    Managing the risk of hundreds of sub-merchants with different profiles is complex and costly without the right technology.

    Fund distribution

    Calculating commissions, splits, and settlements per merchant requires constant reconciliation prone to errors.

    PCI compliance per merchant

    Each sub-merchant needs to comply with PCI DSS, and managing this at scale is an enormous operational challenge.

    < 0hMerchant onboarding
    0.0%Split accuracy
    0%Operational cost reduction
    T0T+Settlement available
    The solution

    Everything you need to operate as a PayFac

    From onboarding to settlement, Akua covers every aspect of a payment facilitator's operation.

    Automated merchant underwriting

    AI-powered risk assessment to approve merchants in minutes, not weeks. Dynamic scoring and integrated document verification.

      Sub-merchant management

      Centralized panel to manage the complete lifecycle of each sub-merchant: registration, configuration, monitoring, and deactivation.

        Split payments & commissions

        Configurable split engine to automatically distribute funds between PayFac, merchants, and third parties with custom rules.

          Per-merchant reporting

          Individual and consolidated dashboards with volume, approval, chargeback, and revenue metrics per merchant.

            Integrated KYC/KYB

            Identity and business verification flows embedded in onboarding, with document validation and automatic regulatory checks.

              PCI compliance per merchant

              Tokenization and PCI vault managed by Akua so each sub-merchant complies without individual certification.

                Ready to scale your operation
                as a PayFac?

                Talk to our team and discover how Akua can transform your payments infrastructure.