Facilitate

Platform-Level Control Over Every Financial Layer

Orchestrate enrollment, pricing, funding flows, and embedded financial features — built for operators who need a platform with a modern facilitator model, not just a processor.

Adaptable enrollment for any use case

Intelligent KYC, identity verification, and compliance workflows for any business model or platform type — designed around the compliance and risk profile your platform requires.

  • Tiered verification levelsFrom screen-only to full KYC, matched to your risk model
  • Identity verificationDocument checks, SSN, biometrics
  • Unified KYC/KYBSingle API for any entity type
  • AML / watchlist screeningAutomated sanctions, PEP, and adverse media screening
  • Ongoing monitoringContinuous compliance checks, status updates, and automated re-verification

Pricing logic built for complex platforms

Define pricing across every dimension — by payment method type, who absorbs the fee, how it's collected, and where the rule applies. From profile-level defaults to transaction-level overrides, Payload gives your platform complete control over billing logic.

  • Configurable fee structuresFlat, percentage, tiered, or hybrid — per method, account, or transaction
  • Fee ownership controlPlatform absorbs, pass to payer, split between parties
  • Flexible collection methodsDeduct from settlement, add to invoice, or net from payout
  • Revenue sharingConfigure partner rev share, referral fees, and commission splits
  • Volume discountsAutomated tiered pricing based on processing volume

Unified funding & dynamic routing

One funding pipeline for every payment type. Configurable funding strategies, per-transaction split routing, and programmatic descriptor control for automated reconciliation.

  • Unified Funding PipelineAll payment types settle through one pipeline
  • Various Funding StrategiesNetted, gross, or itemized settlement packaging
  • Split Routing & Multi-Party DisbursementPer-transaction control to split and route funds dynamically
  • Controllable Funding TimingInstant, same-day, T+1, or custom schedules
  • Descriptor Control & Settlement VisibilityProgrammable descriptors and real-time settlement reporting

Embedded banking, built in

Issue synthetic bank accounts and virtual cards directly from your platform — unlocking banking capabilities and new use cases through Payload's infrastructure.

Programmable Synthetic Bank Accounts

Synthetic accounts let your platform hold funds on behalf of users and pay them out instantly. They act as programmable ledger accounts — enabling balance management, internal transfers, and real-time disbursement.

Instant Virtual Cards, On Demand

Virtual card issuance lets your platform put a spendable card in your users' hands instantly. Configure spend limits, spend categories, and card lifecycle — single-use or persistent — all through Payload's card infrastructure.

Platform control API

Configure onboarding, pricing, and funding flows programmatically. Payload's API gives platforms full control over every aspect of their payment infrastructure.

Account Onboarding

Create and manage accounts programmatically with automated KYC, identity verification, and instant activation.

Fund Routing

Configure dynamic funding rules, split settlements, and automated disbursements through a simple API interface.

import Payload from 'payload-api'

const pl = Payload.Session('secret_key_3bW9...', {
  apiVersion: 'v2'
})

const account = await pl.Account.create({
  type: 'processing',
  name: 'Acme Property Management',
  processing: {
    default_category: 'property_management'
  },
  payment_methods: [{
    type: 'bank_account',
    bank_account: {
      account_number: '1234567890',
      routing_number: '021000021'
    }
  }]
})

Ready to take control of your platform?