PayFac-as-a-Service
Tiers
Choose Your Operational Model
Your Path to Maximum Revenue
Revenue Progression
ISV Partnership
Best for: Earn fast
PFaaS Lite
Best for: Stronger Alignment
PFaaS Pro
Best for: Payments at scale
ISV Partnership
PFaaS Lite
PFaaS Pro
Comprehensive Technical Support
We provide complete technical infrastructure support while partners handle customer-facing interactions based on their tier.
Partner Responsibility
- Account status
- Payment inquiries
- Basic setup help
- General questions
Constellation Handles
- API integration issues
- Complex technical problems
- System outages
- Escalated merchant issues
24/7 Technical Infrastructure
99.9% uptime guarantee with instant escalation support
Experience the PayFac Platform
Merchant Onboarding Flow
Application Submission
Estimated time: 10 min
Business info, owner details, banking
Completed
Identity Verification
Estimated time: 5 min
KYC/KYB, document verification
Completed
3
Risk Assessment
Estimated time: ~5 min
Automated underwriting, risk scoring
Processing
4
Account Provisioning
Estimated time: ~4 hours
MID creation, system setup
Pending
5
Integration Setup
Estimated time: ~2 hours
API keys, testing, go-live
Pending
PayFac Dashboard
Completed
Active Merchants
1247
+15 this week
Processing Volume
$8.2M
+12% vs last month
Success Rate
98.7%
Above benchmark
Settlements Today
342
$1.2M processed
TechStore Pro
New transaction
$2,450
2 min ago
Velocity Alert
High transaction volume detected for QuickPay LLC
CloudSoft Inc
Settlement processed
$15,230
5 min ago
All Clear
No critical alerts in the last 24 hours
DataViz Solutions
Account updated
8 min ago
Compliance Center
PCI DSS Level 1
Compliant
Regulatory Reports
Up to Date
Risk Score
Low Risk
Quarterly PCI DSS Assessment
security • 2 days ago
Completed
AML Training Update
training • 1 week ago
Processing
SAR Filed - Merchant ABC123
reporting • 3 days ago
Submitted
Risk Management Center
PCI DSS Level 1
High-Risk Transactions
0.3%
Flagged for Review
12
Fraud Score Avg
0.2%
PCI DSS Level 1
Auto-Approved
99.1%
Manual Review
0.6%
Auto-Declined
0.3%
Recent Risk Events
Velocity threshold exceeded
TechCorp Ltd • Temporary hold
medium risk
Unusual transaction pattern
E-Store Plus • Manual review
low risk
High-risk country transaction
Global Services • Additional verification
high risk
Sales models for every growth stage
PFaaS Lite
Constellation-Led Sales
Sales Structure:
- Lead: Constellation Sales Team
- Support: Partner provides post-sale L1 support
- Qualification: Constellation qualifies and closes deals
- Relationship: Joint relationship management
Key Benefits:
- No sales team investment required
- Proven sales methodology and processes
- Constellation handles objection handling
- You focus on post-sale support excellence
PFaaS Pro
Partner-Led Sales
Sales Structure:
- Lead: Partner Sales Team
- Support: Partner provides full customer lifecycle management
- Qualification: Partner qualifies, presents, and closes
- Relationship: Complete customer relationship ownership
- 100% control over sales process
- Direct customer relationships
- Custom pricing and positioning flexibility
- Maximum revenue retention
Your path to maximum revenue
Revenue Progression
ISV Partnership
Best for: Earn fast
PFaaS Lite
Best for: Stronger Alignment
PFaaS Pro
Best for: Payments at scale
ISV Partnership
PFaaS Lite
PFaaS Pro
Sales Performance Comparison
Metric
PFaaS Lite
PFaaS Pro
Difference
Average Deal Size
$45K ARR
$85K ARR
Varies by Market
Sales Cycle
45-60 days
60-90 days
Varies by Market
Close Rate
78%
65%
Constellation Advantage
Partner Revenue Share
35-45%
100% above buy-rate
Higher Revenue
Strategic Alignment
No matter your starting point, we provide support and insights to help you mature your payments strategy and unlock continued growth.
Team Structure Guidance
Support in defining the right team roles, capabilities, and workflows to operate a successful payments program.
Training & Enablement
Practical training on the payments ecosystem, value propositions, competitive dynamics, and customer communication.
Performance Best Practices
Insights, benchmarks, and ongoing recommendations to improve performance and strengthen your payments operations over time.
Complete Regulatory Compliance
Constellation Payments maintains full regulatory compliance responsibility, providing you with complete protection while allowing you to focus on growing your business without compliance concerns.
PCI DSS Level 1 Compliance
Highest level of payment card data security certification
- Annual on-site security assessments by QSA
- Quarterly network vulnerability scans
- 24/7 security monitoring and incident response
- Secure coding practices and penetration testing
Financial Regulations
Full compliance with US and Canadian financial regulations
- Money Services Business (MSB) registration
- Bank Secrecy Act (BSA) compliance
- Anti-Money Laundering (AML) programs
- Know Your Customer (KYC) requirements
Risk Management
Comprehensive risk assessment and monitoring systems
- Real-time transaction risk scoring
- Automated fraud detection and prevention
- Merchant underwriting and ongoing monitoring
- Chargeback prevention and management
Data Protection
Enterprise-grade data security and privacy protection
- End-to-end encryption for all sensitive data
- GDPR and CCPA privacy compliance
- Secure data centers with SOC 2 Type II certification
- Regular security audits and compliance reporting
Ongoing Compliance Management
- Quarterly compliance reviews and updates
- Regulatory change management and implementation
- Audit support and documentation
- Compliance training for partner staff
Regulatory Reporting
- Quarterly compliance reviews and updates
- Regulatory change management and implementation
- Audit support and documentation
- Compliance training for partner staff
Your compliance peace of mind
Level 1 PCI DSS
Full Regulatory
Risk Management
Auto Reporting
Investment Requirements & Revenue Opportunities
PFaaS Lite
Moderate Investment
Revenue Model
Increased Revenue Share vs ISV
Typical ROI Timeline
12-18 months typical ROI
Initial Setup Requirements
- Hire 1 dedicated L1 support member
- Basic support infrastructure setup
- Constellation training program
Ongoing Operational Costs
- Support team compensation
- Customer communication tools
- Basic CRM and ticketing systems
Revenue Opportunity
- Higher margin vs ISV model
- Revenue scales with merchant volume
- Predictable monthly residuals
PFaaS Pro
Significant Investment
Revenue Model
100% Residual Split Above Buy-Rate
Typical ROI Timeline
12-18 months typical ROI
Initial Setup Requirements
- Build complete sales organization
- Full customer support infrastructure
- Marketing and business development capabilities
Ongoing Operational Costs
- Sales team compensation and commissions
- Complete support operation costs
- Marketing and customer acquisition expenses
Revenue Opportunity
- Keep 100% of processing margins above buy-rate
- Set your own merchant pricing
- Unlimited revenue upside potential
Constellation Buy-Rate Structure
Transaction Type
Constellation Buy-Rate
Volume Tier
Credit Card (Card Present)
$45K ARR
$85K ARR
Credit Card (Card Not Present)
45-60 days
60-90 days
ACH/Bank Transfer
78%
65%
High Volume (>$5M/month)
Custom buy-rates available
$5M+/month
Note: Buy-rates shown are examples and may vary based on processing volume, transaction mix, and risk profile. Contact us for custom pricing based on your specific requirements.
Revenue Projection Examples
Growing SaaS Company
Monthly Volume
$1.2M
Avg Transaction
$2,400
PFaaS Lite Revenue
Monthly
$5,400
Based on 0.45% average margin
Annual
$64,800
PFaaS Pro Revenue
Monthly
$15,000
Based on 1.25% average margin above buy-rate
Annual
$180,000
Established Software Platform
Monthly Volume
$3.8M
Avg Transaction
$5,200
PFaaS Lite Revenue
Monthly
$15,200
Based on 0.40% average margin
Annual
$182,400
PFaaS Pro Revenue
Monthly
$43,700
Based on 1.15% average margin above buy-rate
Annual
$524,400
Revenue Projection Disclaimer
Revenue projections are examples based on typical merchant processing volumes and pricing. Actual results will vary based on your merchant mix, transaction types, pricing strategy, and market conditions. These examples do not include operational costs, taxes, or other business expenses.
Your Path to Maximum Revenue
Revenue Progression
ISV Partnership
Best for: Earn fast
PFaaS Lite
Best for: Stronger Alignment
PFaaS Pro
Best for: Payments at scale