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Pay Factory Company Overview
Pay Factory, Inc. (operating under the brand Payfactory) is a fintech company based in Tulsa, Oklahoma, that specializes in offering embedded payment facilitation (Payfac-as-a-Service) for independent software vendors (ISVs) and SaaS platforms. The company’s platform enables software providers to integrate payment acceptance directly within their products using low- or no-code APIs and developer tools, streamlining merchant onboarding and enabling revenue sharing. Features include fast merchant approval, next-day funding, encryption, tokenization, PCI compliance, fraud monitoring, and split payments. Payfactory positions itself as gateway-agnostic and developer-centric, targeting vertical software niches with a self‑serve model and a focus on security and automation. Payfactory is a registered Payment Facilitator under Fifth Third Bank and Pathward, N.A.