List of the Top 4 Payment Facilitation (PayFac) Platforms with a Free Trial in 2025

Quickly and effortlessly accept all types of payments with a focus on security and simplicity. Whether you're selling in-store or online, processing card payments is seamless and straightforward. The invoicing process can be efficiently managed, allowing for easy creation, sending, and tracking. If your customer isn't present, remote credit card transactions can be processed over the phone or through your computer. Square simplifies the experience of establishing and expanding your online store, enabling you to receive payments smoothly. With Square, accepting card payments is designed to be fast, secure, and hassle-free, ensuring there are no hidden fees or lengthy contracts involved. Trust in the reliability of rapid and secure payment processing to enhance your business operations. Additionally, you can focus on what you do best while leaving the complexities of payment handling to Square.

Exact Payments creates and offers user-friendly, scalable payment technology tailored for SaaS businesses, allowing them to effortlessly incorporate payment systems into their platforms and establish a lucrative revenue stream. Through Exact's PayFac-as-a-Service offering, SaaS companies can design seamless purchasing experiences that not only elevate customer satisfaction but also boost retention rates and potentially increase a customer's lifetime value by up to five times. Currently, Exact manages over one billion transactions each year for esteemed clients such as Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax, demonstrating its significant market impact. This robust solution not only simplifies the payment process but also empowers companies to focus on their core services while enhancing their financial performance.

BlueSnap's comprehensive Accounts Receivable Automation solution is highly acclaimed as the top software for processing payments, managing billing and invoicing, overseeing recurring billing, and handling subscription services. With our intuitive invoice editor, seamlessly integrated into your accounting framework, you can design visually appealing invoices while also creating a customer portal that facilitates automatic charging, the collection of payments, and the imposition of late fees. For rapidly expanding businesses around the globe, BlueSnap provides robust subscription management and recurring billing functionalities, allowing you to set up trial periods, effectively manage ongoing subscriptions, and implement proration as needed. Additionally, BlueSnap supports a wide range of payment processing options, accommodating credit card transactions, ACH and SEPA transfers, as well as wire payments, while efficiently managing partial payments, automatically retrying failed transactions, and recovering payments without hassle. Our solution is designed not only to enhance operational efficiency but also to improve the overall payment experience for both businesses and their customers.

We provide a comprehensive payments framework specifically designed for independent software vendors (ISVs) and software platforms, guaranteeing that small businesses can receive their payments with ease and in a timely manner. Our dependable payment solutions are customized to cater to your specific requirements. By utilizing our APIs, we offer adaptable and integrated payment choices available in referral, white label, or payment facilitator models, enabling our clients to focus on their core objectives without distraction. The principles that define WePay are central to our identity and influence how we operate in the marketplace. We endeavor to reflect these principles in every engagement with colleagues, customers, and partners. By seamlessly incorporating payments into your application, we provide continuous support behind the scenes to ensure smooth operations. Moreover, you can leverage the strength of the Chase brand and its extensive network to foster the adoption of digital payments and enhance your growth. With our unwavering dedication to innovation, we are committed to empowering businesses as they navigate the ever-changing digital landscape, ultimately contributing to their overall success and sustainability.