About PCI Level 1 Built for Scale

Payments at the Speed of Trust

We build simple, secure rails so businesses can grow—online, in-person, and everywhere in between.

Reliable
Best Merchant Service
Customized Payment Process
Low Cost

Who we are

Payment Factor is a U.S.-based payment technology and merchant services provider that empowers businesses with secure, reliable, and innovative payment solutions. We specialize in helping merchants accept payments effortlessly — whether in-store, online, or on the go. With a focus on transparency, technology, and trust, Payment Factor delivers a full suite of payment processing, POS systems, and digital financial tools designed to streamline business operations and boost profitability.

With a focus on transparency, technology, and trust, Payment Factor delivers a full suite of payment processing, POS systems, and digital financial tools designed to streamline business operations and boost profitability.

Team collaborating on fintech dashboards

Mission & values

To become a global leader in digital payment innovation, empowering businesses of every size to accept payments effortlessly — anytime, anywhere.

We envision a future where technology, trust, and transparency redefine how merchants connect with their customers. By bridging financial inclusion with intelligent payment solutions, Payment Factor aims to be the driving force behind the next generation of global commerce.

Security by design

Bank-grade encryption, PCI DSS Level 1, and privacy best practices embedded in every workflow.

Simple for developers

Hosted flows to start in minutes; APIs & webhooks to build exactly what your product needs.

Merchant outcomes

Reduce risk, recover revenue, and unlock insights with real-time analytics and smart retries.

Unified channels

Online + POS reporting in one place for clean reconciliation.

Fraud tooling

Risk scoring, 3-D Secure, alerts, and chargeback workflows.

Beyond volume

Cohorts, churn, LTV, and deposits tracking—real-time.

Partner programs

ISVs/ISOs/banks with white-label options and residuals.

Our Core Values

  • 01
    Integrity

    We believe in honesty, transparency, and accountability in everything we do from pricing to partnerships.

  • 02
    Innovation Hyper-growth

    We constantly evolve with technology to offer smarter, faster, and more secure payment experiences.

  • 03
    Partnership

    We grow together. Our merchants, agents, and ISOs are not just clients — they’re collaborators in success.

  • 04
    Reliability

    We stand by our promises — ensuring uptime, timely payouts, and dependable customer service, every single day.

  • 05
    5. Customer-Centricity

    Your business is our priority. We tailor solutions to meet your unique goals and challenges.

  • 06
    6. Compliance & Security

    We maintain the highest standards of data protection and financial integrity to ensure peace of mind for all stakeholders.

Team timeline milestone

Trusted ecosystem

We operate within a trusted ecosystem, collaborating closely with acquiring banks, major card brands, and technology partners to empower merchants with reliable payment processing.

PaySync Technologies NovaCloud Systems FlexPOS Systems RetailHub Connect CloverTech Labs Paxion Systems TapFlow Commerce PaySync Technologies NovaCloud Systems FlexPOS Systems RetailHub Connect CloverTech Labs Paxion Systems TapFlow Commerce

Built for growth. Backed by people.

Whether you’re a developer, agent, or growing business, Payment Factor gives you the tools, technology, and support to succeed in the payments world.

💳 Seamless integrations
💰 Transparent pricing
🤝 Dedicated partner support

Join our ecosystem of merchants, ISOs, and technology innovators to create secure, scalable, and profitable payment experiences — backed by real people who care about your growth. Start building smarter payment solutions with Payment Factor by your side.