Sales-led PayFac-as-a-service for vertical software. Launchpay holds PayFac registration and liability. Same platform as Payops for a documented path to registered PayFac. No public buy rate. Talk to an expert is the intake.
What it is
Infinicept is Infinicept’s embedded payments platform and advisory company for software companies, payment facilitators, and financial institutions. Live marketing brand on product and about pages is Infinicept. About page: Helping companies get payments going their way since 2011; By 2014, the advisory work had become a company; Deana Rich co-founded Infinicept in 2014. Canonical marketing domain confirmed live at https://www.infinicept.com/ and https://infinicept.com/ (HTTP 200 at research; bot challenge on some raw fetches; product copy confirmed via live page fetch). Homepage: Embedded payments, on your terms. Infinicept is a payments platform that helps software companies, payment facilitators, and financial institutions launch, manage, and scale embedded payments.
Primary product surfaces on the current site: Launchpay (PayFac-as-a-Service) at /launchpay/, Payops (Payment Operations Platform) at /payops/, Paysolve (Advisory Services) at /paysolve/, and Orchestrate (Infinicept’s native gateway, named on Launchpay and Payops). Software platform buyer path: /software-platform-solutions/. Developer portal: https://developer.infinicept.com/. Contact: /contact/ and Talk to an expert CTAs across product pages. /pricing/ returned HTTP 404 at research.
This page is Infinicept PFaaS for vertical ISVs: Launchpay PayFac-as-a-Service, white-labeled merchant control, and the same-stack path to registered PayFac on Payops. Adjacent Infinicept surfaces are Infinicept’s. They are not this page. Payops for already-registered PayFacs, ISOs, marketplaces, and acquiring banks; Paysolve advisory; banks/acquirers/sponsors surfaces; and deep Orchestrate gateway packaging sit next to the Launchpay job.
Who it’s for
Shapes from Launchpay, software-platform-solutions, homepage, and About:
- Vertical SaaS platforms embedding payments, which Launchpay lists as vertical SaaS platforms, companies embedding payments for the first time, platforms outgrowing referral models, and teams seeking more control and better economics.
- Software platforms that want PayFac-like control without day-one registration, which software-platform-solutions contrasts Referral, traditional PayFac-as-a-Service, Launchpay, and Registered PayFac. Launchpay column: ownership of merchant data yours; robust white-label; high revenue opportunity; risk and liability none (managed by Launchpay); fast launch; nearly instant underwriting tailored to verticals; built-in portability and gateway flexibility.
- Platforms that may later become a registered PayFac on the same stack, which Launchpay and software-platform-solutions sell as graduating to full PayFac with customers, agreements, and integrations coming along; no migration; no re-papering; same platform as Payops.
- Already-registered PayFacs, banks, and acquirers needing operations or advisory are Infinicept buyers on Payops and Paysolve. Those paths are adjacent when the Vert job is Launchpay PFaaS for a software platform rather than owning a registered PayFac program day one.
Partner intake is Talk to an expert / Contact us. Launchpay: Talk to an expert; No setup fees. No platform fees. No exclusivity. Implementation block: A dedicated team guides you through every phase; Infinicept handles project management, technical integration, certification, and launch support. Developer portal footer: Product and service availability is based off of contractual agreements with Infinicept. Contact page: How can we help?; Launch faster. Operate smarter. Scale without friction. That is not a public self-serve live start.
It is a fit for a vertical software company that wants a white-labeled payments program, control of merchant pricing and relationships, Launchpay holding PayFac registration and liability, a sales-led launch with a dedicated implementation team, and a documented same-stack path to registered PayFac later.
Standout details
- Brand, domain, and product URL (as printed). Official marketing name on live pages: Infinicept. Product names as printed: Launchpay, Payops, Paysolve, Orchestrate. Legal: SEC Form D lists Infinicept, Inc.; website Terms name The Info Source (“Infinicept.com”) as Site provider. Canonical site: https://www.infinicept.com/ (HTTP 200). Confirmed product URLs used here: /launchpay/, /payops/, /paysolve/, /software-platform-solutions/, /payfac-solutions/, /banks-acquirers-sponsors/, /about/, /contact/, /terms-and-conditions/, /privacy-policy/, newsroom Launchpay introduction and 2023 volume/Launchpay press. Developer portal: https://developer.infinicept.com/. /pricing/ was 404 at research. No public platform buy-rate page was found.
- Launchpay PFaaS model (as printed). Launchpay is PayFac-as-a-Service that gives software platforms full control over pricing, gateway, and merchant relationships, without becoming a PayFac or taking on risk. Launchpay holds PayFac registration and manages underwriting, compliance, risk, and liability. Pricing control: flat rate or interchange-plus, breakable by card-present, card-not-present, or card brand. Gateway freedom: use Orchestrate or bring your own. Customer relationships: contractually yours from day one; portable agreements. Zero PayFac liability: Launchpay assumes responsibility for compliance, risk, fraud monitoring, and chargebacks. Underwriting claims on Launchpay: reviews within a business day; 90%+ approval rate; 50% same-day decisions (vendor claims). Transaction-level fee visibility: interchange fees on every transaction in dashboard and via API.
- Acceptance and merchant experience (as printed). Launchpay acceptance blocks: card-present (cloud-based terminals, SoftPOS, kiosks, wireless devices); online and in-app (hosted iFrame, invoicing, stored credentials, digital wallets); ACH and recurring (bank payments, tokenization, account validation, subscriptions); flexible fee models (surcharging, convenience fees, tipping, cash discounting). White-labeled applications and self-service customer portal; funding with configurable schedules; single reporting and funding instance for card and ACH. Homepage also markets HSA/FSA, card-on-file, recurring billing, and vertical-tuned underwriting. Software-platform-solutions vertical chips: healthcare, field services, rental and property management, subscription-based, education, government and utilities.
- Path to PayFac on the same stack (as printed). Launchpay runs on the same platform as Payops. If you decide to become a full PayFac, customers, agreements, and integrations come with you. Software-platform-solutions adds: no merchant reboarding; guidance through PayFac application processes; managed services available; expanded processor flexibility; keep existing integrations. Payops itself is sold for registered PayFacs, ISOs, marketplaces, and acquiring banks; Payops page states it is not PayFac-as-a-Service and not a payment processor or gateway. Treat registered-PayFac operations depth as adjacent when the page job is Launchpay.
- Ops, developer portal, and pricing. CTAs: Talk to an expert, Contact us, Explore the developer portal. Implementation is guided (first call through merchant activation phases printed on Launchpay). Developer portal covers Getting Started, Pre-Integrated Processor Flow, Underwriting on Demand, Launchpay Orchestrate payment processing APIs, New Accounts application submission (full and partial API), BackOffice APIs, plus AI/LLM tooling (MCP server, LLMs.txt, Markdown pages). Portal disclaimer: availability based on contractual agreements; client account billed for API product usage and/or licensing. Public pricing: not published as a rate card. Launchpay marketing: No setup fees. No platform fees. No exclusivity. Press (Sep 5, 2023) says Launchpay allows customers to get set up quickly with simple transparent pricing; that is marketing copy, not a public buy-rate schedule. This listing does not invent a rate card.
- License, processors, and company facts (as printed). Launchpay holds PayFac registration (Launchpay page). Payops: processor-agnostic; integrations named like Fiserv, Chase, and Worldpay. Sponsor bank for Launchpay is not named on the Launchpay pages reviewed. About: since 2011; company by 2014; co-founding 2014 (Deana Rich); CEO Scott Agatep; GM Paysolve and co-founder Deana Rich; Todd Ablowitz listed as Strategic Advisor (co-founder history on Launchpay intro and press). Press datelines: DENVER. SEC address: 543 Santa Fe Drive, Denver, CO 80204. Frontmatter headquarters uses Denver, CO from those official Denver signals. About scale claims: more than 300 companies in 50 countries; 47,000+ merchants; $24.5 billion annualized processing volume (vendor claims). Homepage metrics at research also printed 20B+ annualized volume, 35K+ active merchants, 1M+ daily transactions; About uses higher merchant and volume figures. Treat metric blocks as Infinicept-printed claims that do not fully agree across pages, not independently audited figures.
- Named customers and stories (vendor-named). Launchpay and software-platform-solutions quote TapGoods (Doug Levy). Payops and payfac-solutions quote WorkWave. Newsroom: Drake Software Launchpay program for Drake Pay (2024). Attribute as Infinicept-named stories, not independent verification.
- Adjacent modules. This page is Infinicept Launchpay PFaaS for vertical ISVs. Adjacent products are Infinicept’s. They are not this page. Payops for registered PayFac programs, Paysolve advisory (Fitness Review, Policies and Procedures, BIN Sponsor Readiness), banks/acquirers/sponsors tooling, and Orchestrate as a standalone gateway deep-dive sit next to the Launchpay job.
Sources: infinicept.com, Launchpay, Payops, Paysolve, Software platform solutions, PayFac solutions, Banks, acquirers, sponsors, About, Contact, Terms, Privacy, Introducing Launchpay, 2023 volume and Launchpay press, Drake Launchpay newsroom, Developer portal, SEC Form D company page.
Honest verdict
Infinicept is the listing to read when the job is PayFac-as-a-service for a vertical software platform: white-labeled onboarding and merchant portal, platform control of pricing and merchant relationships, Launchpay holding PayFac registration and liability, and a documented same-stack path to registered PayFac on Payops when you are ready. Talk to an expert is the intake. Implementation is guided. Live processing waits on a commercial agreement.
What it is not: a public self-serve live start, a published interchange-plus buy rate you can treat as yours, or a PayFac license you own on day one while still on Launchpay. Launchpay marketing says no setup fees, no platform fees, and no exclusivity; the buy rate and residual math still sit in the contract. Sponsor bank for Launchpay is not printed on the Launchpay product pages reviewed here. If you will not take a sales conversation and a guided launch, stop. If the job is residual economics and merchant ownership now, with a path to become the licensed PayFac on the same platform later, start here.