Payment-facilitator Real Role in Credit Cards Payments

There are two types of payment facilitators in Credit cards business. These facilitators help small merchants to onboard and do payment settlement.

The reason to choose PF by small merchants is acquirers charge more onboarding fees, and merchants have to fulfil many eligibility criteria.

So, PF is a mediator for acquirer and merchants.

On behalf of them PF will do on- boarding and payment settlement.

Payment Facilitators role is they get approval from acquirer to provide payment facilitation, and they board small merchants on behalf of facilitator.


The small merchants need not to have merchant id.

Definition of PF merchants

PFPAY– Payment facilitator onboards small merchants.

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

The merchants on boarding is handled by acquirer.

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Author: Srini

Experienced software developer. Skills in Development, Coding, Testing and Debugging. Good Data analytic skills (Data Warehousing and BI). Also skills in Mainframe.