HTML Module

ProFac Express

ProPay's Payment Facilitator Model

As one of the original merchant aggregators, ProPay is uniquely suited to support the needs of software developers, service providers, community heads, online marketplaces, and business models requiring the functionality of merchant aggregation, without the hassle and work of aggregating transactions in traditional processing environments.

While other companies sponsor and process transactions for Payment Facilitators, this is all too often the only service they deliver

ProPay’s ProFac Express℠ allows you to immediately take advantage of our online application, instant boarding, underwriting, and processing solutions built upon years of experience.

ProFac Express Design

At ProPay, we want to be your long-term business partner, not simply your transaction processor. The success of our clients begins with a consultative session with the ProPay team where we’ll discuss the goals of your business and your processing needs.

We’ll delve into how ProPay’s products and people can best combine to deliver a solution that meets your requirements, while ensuring regulatory and card brand requirements are met. 

The ProPay team has years of experience in navigating the Payment Facilitator waters and works with you to not only choose, but understand the options and decisions to best fit your business needs. The team will cover the options for registration, liability, branding, merchant agreements, risk modeling, underwriting, chargebacks and all the other complexities associated with processing in a Payment Facilitator model.

Online Application & Boarding

ProPay provides Payment Facilitators with APIs to create an online application, or the option to utilize our online, short-form merchant application to deliver an automated boarding process.

We’ve simplified the terms and conditions along with the information collected on the applications to make it quick and easy for you to get up and processing.

Since the first interaction with your customer is often the application, ensuring your customers encounter a convenient customer friendly application process that covers both yours and ProPay’s services is critical for a successful Payment Facilitator program. We even provide you with co-branded landing pages and documentation to speed up your time to market.

Underwriting Services & Risk Management

Providing full-service underwriting and risk management as part of ProFac Express allows Payment Facilitators to focus on their technology and services knowing that ProPay is examining accounts from the initial approval process through the lifecycle. 

Underwriting rules and processes are defined early in the design process.   ProPay has all the tools and experience necessary to meet Federal, State and card brand requirements for payment processing.

Additionally, whether the product or service is delivered digitally, physically, or distributed through complex sales environments, the ability to define both the customer AND the business rules helps in establishing processing parameters.

Parameters such as transaction thresholds, average ticket, shipping time frames and other items are defined and monitored on a routine basis.   We’ll even hold deposits or establish reserves dependent upon suspicious or unusual activity.

Processing Capabilities

Since 1997, ProPay has provided simple, secure and affordable payment solutions for organizations ranging from the small, home-based entrepreneur to multi-billion-dollar enterprises requiring complex payment solutions.  The foundation of ProFac Express is the ProtectPay® processing platform.  Originally designed to meet the complex processing needs of the direct selling industry, ProtectPay has evolved into an industry leading solution for payment facilitators. Through a single interface you have access to a suite of products that help you process transactions in a fast, secure and affordable manner.  Highlights of the ProtectPay platform include:

    •    Full tokenization & encryption
    •    Support for one-time, recurring, card-swiped or card-not-present transactions
    •    EnsureBill℠  provides you with the ability to update stored cards as they expire or are lost/stolen, providing a seamless recurring or auto-ship solution for your merchants
    •    Multi-currency allowing you to sell in the currency of your cardholder
    •    Online boarding through APIs to the platform
    •    SplitPay for collection of convenience fees or service fees associated with procesing transactions, simplifying the process of fee collection from your merchants
    •    A commission or funding component allowing you to pay your customers through a branded debit card
    •    Integrated support for TSYS Guardian CyberShield℠ to further define and protect your customers from fraudulent transations

ProPay can be your single-source provider for all of your Payment Facilitator needs.
Call 844.896.3209, or email

If you need to contact Customer Service, please call 866.573.0951.