Monetize Payments.
Save Babies.
The full PayFac-as-a-Service stack: merchant onboarding, underwriting, disputes, billing, subscriptions, and deposits, on a platform that actively saves lives with every transaction.
One Gateway. One Processor.
No 3rd-party gateway. No extra layer. No hidden fees.
Most ISOs refer you to a payment processor, then tell you to go set up a separate gateway (Authorize.net, NMI, Stripe, etc.) with its own monthly fee and per-transaction cost. Pro-Life Payments gives you a fully integrated gateway and processing solution, meaning your merchants pay one provider, one rate, and keep more margin.
Typical ISO Setup
Pro-Life Payments
You built the platform.
Why is Stripe keeping most of the margin?
Stripe Connect is a capable platform, but it's built around Stripe's ecosystem, Stripe's underwriting rules, and Stripe's values. Revenue share on both sides is negotiated by volume. The real difference is what your dollars fund, who controls your risk rules, and whether your ISV partner picks up the phone.
Everything You Need to
Embed Payments at Scale
From first merchant sign-up to deposit payout, every piece of the PayFac stack is accessible via clean REST APIs, backed by enterprise-grade processing infrastructure.
Merchant Onboarding APIs
CoreKYB/KYC-integrated onboarding APIs let you sign up sub-merchants programmatically in minutes. Custom application flows, webhook callbacks on status changes, and auto-underwriting for low-risk profiles.
Underwriting Engine
RiskAutomated risk scoring backed by our compliance team. Set risk thresholds per vertical. Real-time approval/decline via API. Human review queue for edge cases with full status webhooks.
Payments & Deposits
PaymentsAccept card-present, card-not-present, ACH, and digital wallets. Programmatic payout scheduling, split payments, and sub-merchant deposit APIs with real-time balance endpoints.
Dispute Management
RiskFull chargeback lifecycle APIs: respond to disputes, upload evidence, receive rulings via webhook. Dashboard visibility per sub-merchant. Auto-alerts on high-risk accounts.
Merchant Statements
ReportingGenerate, retrieve, and deliver itemized merchant statements via API. Branded PDF generation, custom date ranges, and downloadable CSV exports per sub-merchant.
Subscriptions & Recurring
BillingFull billing engine: create plans, trials, coupons, and collect recurring ACH/card. Retry logic, dunning management, and subscription lifecycle webhooks. Built for SaaS and membership apps.
Invoices & Payment Links
BillingGenerate send-and-forget payment request links or full invoices via API. Branded invoice templates, email delivery, and real-time paid/failed webhooks back to your platform.
White-Label Customer Portal
UXEmbed a hosted customer payment portal under your domain. Your branding. Your colors. Customers manage cards, view invoices, and update billing info — without leaving your product.
Sites & Multi-Tenancy
PlatformCreate isolated "sites" per customer segment. Each site can have unique tax rates, checkout flows, and payment methods. Perfect for multi-vertical software platforms.
Dual Pricing & Surcharging
PricingOffer cash discount or credit card surcharging per sub-merchant. Fully compliant with state surcharging laws. Configure globally or per-account via API.
Webhooks & Event Streams
Dev100+ event types delivered reliably to your endpoint. Automatic retries with exponential backoff, signature verification, and a webhook log viewer in the dashboard.
REST APIs & SDK
DevClean REST API with full OpenAPI 3.0 docs. Official SDKs for Node.js, Python, and PHP. Sandbox environment with test card numbers. Rate-limited staging environment included.
One Transaction.
Multiple Destinations.
Route a single customer payment to multiple parties in real time: platform fees, vendor payouts, and affiliate commissions all settled automatically at checkout. No manual transfers. No reconciliation headaches. Configure the rules once and they run on every transaction.
Multi-Location Clients
Route each transaction to the correct location, clinic, or chapter automatically, with your platform fee deducted before funds settle.
Gig & Contractor Platforms
Pay 1099 contractors directly from the customer's payment, clean, compliant, and instant without routing through payroll.
Events & Ticketing
Split ticket revenue between the event organizer and your platform at the moment of purchase, automatically.
Subscription Installments
Divide large invoices or recurring plans into scheduled portions across multiple payees on your platform.
Configure once; it runs on every transaction.
Your Logo.
Your Dashboard.
Your Sub-Merchants.
Every ISV partner gets their own white-labeled admin dashboard, branded with your logo, domain, and color scheme. Your sub-merchants see your brand on every screen. One powerful platform, fully yours from login to payout.
Sign up a merchant in
under 10 minutes.
Our onboarding API handles KYB/KYC, bank verification, risk scoring, and pricing setup in a single call. The moment anything changes (authorization approved, settlement posted, dispute opened), a webhook posts the event directly into your system in real time.
SDKs — drop-in, not build-from-scratch
Our SDKs for Node.js, Python, and PHP wrap the full API so your team ships integration in days, not months. Auth tokens, request signing, retry logic, and error handling are handled for you.
Webhooks — your system stays in sync automatically
Every transaction event fires a signed POST to your endpoint instantly. Your platform never needs to poll; we push the event the moment it happens.
// Create a sub-merchant with PLP's Onboarding API
const merchant = await plp.merchants.create({
business_name: "Acme Church Supplies",
ein: "12-3456789",
owner: {
first_name: "John",
last_name: "Smith",
dob: "1980-01-01",
ssn_last4: "1234",
email: "john@acmechurch.com",
phone: "+15550001234",
},
bank_account: {
routing_number: "021000021",
account_number: "123456789",
account_type: "checking",
},
pricing: {
model: "no_fee", // or "legacy"
monthly_fee: 30,
},
});
// Webhook fires immediately when approved
// POST https://yourapp.com/webhooks/plp
// { event: "merchant.approved", merchant_id: "mch_xxx" }
Your Platform Has a
Kingdom Purpose.
When you build on Pro-Life Payments, you're not just choosing a better rev share. You're joining an infrastructure that channels 15% of our gross revenue into Pregnancy Resource Centers across America, funding ultrasounds, counseling, baby supplies, and life-saving support for women in crisis.
Ready to Build on Christian Infrastructure?
Tell us about your platform and we'll set up a 30-minute strategy call with our ISV team to discuss your rev share, onboarding timeline, and technical integration.
Frequently Asked Questions
Common questions from software companies evaluating our ISV program.