---
title: "How Payment-facilitator helps Merchants to Process Payments"
description: "Payment facilitator key role explained in credit cards business."
url: https://srinimf.com/2016/07/21/payment-facilitator-cards-domain/
date: 2016-07-21
modified: 2026-10-10
author: "Srini"
image: https://i0.wp.com/srinimf.com/wp-content/uploads/2016/07/pexels-photo-4458386.jpeg?fit=1880%2C1253&ssl=1
categories: ["Credit Cards domain knowledge"]
tags: ["PFPAY and PFSUB in Cards procesing"]
type: post
lang: en
---

# How Payment-facilitator helps Merchants to Process Payments

In the Credit card business, you can find two kinds of ***payment facilitators***. To avoid expenses to process payments, these people help small merchants to board and process the payments.

Related[Tokenization in Payments Why You Need](https://srinimf.com/2015/05/04/credit-cards-tokenization/)

More plainly, the reason to choose a Payment Facilitator (PF) by **small merchants** is less processing charges, and simple joining formalities.

- **Best Example for Payment facilitator is Paypal.**

So, PF is a mediator between acquirer and merchants. On behalf of them PF will onboard the merchants and [helps to](https://srinimf.com/2014/07/11/how-sas-analytics-helps-to-address-child-fatalities/) process the payments.

> Payment Facilitators’ role is to get approval from the acquirer to provide payment facilitation, and they board small merchants on behalf of the acquirer.Definition of PF merchants

**PFPAY**-Payment facilitator onboards small merchants.

**PFSUB**-The other way PF just do only settlement for merchants.

In summary, the acquirer directly adds big merchants with huge daily sales, whereas small merchants join with Payment facilitators.

Related Posts

- [Batch Reconciliation By Acquirer In Card Payments See How](https://srinimf.com/2015/10/24/acquirer-batch-reconciliation-process-in-credit-card-payments/)DateOctober 24, 2015
- [Domain Knowledge-Credit Card Processing](https://srinimf.com/2015/03/22/domain-knowledge-credit-card-processing/)DateMarch 22, 2015
- [10 Top Payment methods to Make Online Transaction](https://srinimf.com/2016/10/29/the-10-top-payment-methods-in-online-cards-processing/)DateOctober 29, 2016

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