JustiFi

What it is

JustiFi is JustiFi Technologies, Inc.’s embedded fintech operating system for software platforms: payments first, then payables and beyond-payments products on the same underwriting foundation. Live marketing brand on homepage, products, Why JustiFi, Partner Hub, Security, and footer is JustiFi (capital F). Legal: JustiFi Technologies, Inc., a Delaware corporation, on the Terms of Service Master Services Agreement and Privacy Policy. Canonical marketing domain confirmed live at https://justifi.ai/ (HTTP 200 at research). https://www.justifi.ai/ returns HTTP 308 to https://justifi.ai/. Homepage: Built For Platforms; Own the relationship. Keep the margin. Compound the growth. Subhead: The fintech operating system unlocking payments, payables, financing, and insurance, all on your terms, from day one.

Primary product surfaces on the current site: Products (/products) with Payments, Payables, and Beyond Payments anchors; Why JustiFi (/why-justifi); Get Started (/get-started); Partner Hub (/partner-hub); Security (/security); Sub-Account Onboarding (/sub-account-onboarding); Trust Center (https://trust.justifi.tech); Developer Docs (https://docs.justifi.tech); Dashboard login (https://app.justifi.ai/). Legal: Merchant Agreement, Terms of Service, Privacy Policy under /legal/. /pricing redirects to /why-justifi at research (no public rate card page). Older /about and /products/embedded-payments paths also redirect into the current Why JustiFi or Products surfaces.

This page is JustiFi embedded payments for vertical SaaS. Adjacent surfaces are JustiFi’s. They are not this page. Payables (ACH and Same-Day ACH; RTP marked Coming Soon), Beyond Payments (consumer financing / BNPL, embedded insurance, Instant Payouts beta, Working Capital coming soon), Partner Hub packaging, and deep Trust Center report downloads sit next to the payments job.

Who it’s for

Shapes from homepage, Products, Why JustiFi, Partner Hub, Get Started, docs, and the US Payment Processing Support Service Addendum:

• Vertical SaaS platforms embedding payments, which homepage and Products sell as platforms that want acceptance on their terms: cards, ACH, digital wallets, and BNPL, online and in-person, with rates configurable by segment, customer, transaction, card brand, and payment method.
• Platforms that own the Business relationship end to end, which Why JustiFi and homepage frame as the software company whose customers (Businesses) already trust the product for the financial lifecycle, not a direct-to-merchant acquirer brand page.
• Platforms that want PayFac-like economics without day-one registration, which Why JustiFi states as We’re the registered party, and which the platform MSA addendum describes as the Customer setting Merchant Rate above a Buy Rate on the Order Form while JustiFi underwrites and stays on the merchant processing path.
• Teams that may later turn on payables or beyond-payments are JustiFi buyers on Products Beyond Payments and the underwrite once, activate anything pitch. Those modules are adjacent when the Vert job is embedded payments rather than lending or insurance depth.

Partner intake is Contact sales, Connect with our team, and Get Started (Let’s compare notes; Grab a time, we’ll do the homework). Docs Getting Started: Our customer onboarding team will work with you to create your test and live accounts. API docs also note a sandbox environment upon request. Dashboard login and public docs exist for evaluation after accounts are issued. That is sales-led production access, 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 payout configuration, JustiFi as the registered Payment Facilitator, and a sales-led launch with documented APIs and components.

Standout details

• Brand, domain, and product URL (as printed). Official marketing name on live pages: JustiFi. Spelling is JustiFi (capital F), not Justifi, across homepage, footer copyright 2026 JustiFi, Partner Hub, docs, and legal headers. Legal: JustiFi Technologies, Inc. Canonical site: https://justifi.ai/ (HTTP 200; www redirects to apex). Confirmed product URLs used here: /products, /why-justifi, /get-started, /partner-hub, /security, /sub-account-onboarding, /legal/terms-of-service, /legal/merchant-agreement, /legal/privacy-policy. Docs: https://docs.justifi.tech (Getting Started and API reference). Dashboard: https://app.justifi.ai/. Trust Center: https://trust.justifi.tech. Status: https://status.justifi.ai. Merchant support host linked from footer: https://merchantsupport.justifi.tech. /pricing was not a live rate-card page at research (308 to /why-justifi).
• PayFac / embedded payments model (as printed). Why JustiFi and Partner Hub: JustiFi is the registered Payment Facilitator (We’re the registered party). Platforms configure pricing, packaging, risk, and compliance policy controls; marketing copy: The pen stays yours. Products Payments: Instant Onboarding (KYC, KYB, OFAC, and card network compliance underneath); Managed Payouts (splits, holds, reserves; gross or net); Pricing & Settlement Controls (rates by segment, method, and card brand). MSA US Payment Processing Support Service Addendum: Customer may set the Merchant Rate, must not set it below the Buy Rate on the Order Form, and receives Proceeds equal to Merchant Rate less Buy Rate and fees; Buy Rate may be updated by JustiFi; platform is not a party to the Merchant Agreement. Docs: onboard and underwrite merchants as sub accounts; process through multiple channels; manage merchant payouts and platform earnings (Proceeds APIs and reports).
• Acceptance and integration depth (as printed). Homepage and Products payment methods: Cards, ACH, Digital wallets (Apple Pay and Google Pay named), BNPL; Online & In-Person. Docs Getting Started: hosted checkout, unified and modular checkout web components, Apple Pay and Google Pay add-ons, bank account verification via Plaid, Buy Now Pay Later via Sezzle, insurance add-on in checkout, card-present via Verifone partnership, payment method tokenization. Currency: USD and CAD; each platform and its sub-accounts scoped to a single currency; Canada requires a separate Canada platform provisioned by JustiFi. Onboarding options: Hosted Onboarding iframe, Payment Provisioning web component, or API. Docs underwriting: JustiFi reviews and approves merchants (1-2 business days on Getting Started; Sub-Account Onboarding page describes credit-risk document packs and FAQ). Fee Configurations API: per-sub-account standard fee types (processing_ecomm, card_present, ACH, brand-specific, platform) with variable_rate and transaction_fee_cents. Enhanced fee management separates processing_fee and platform_fee for selective refund return.
• Ops, sandbox, and pricing. CTAs: Contact sales, Connect with our team, Get Started, Documentation, Log in. Production accounts are created with the customer onboarding team (API Introduction). Test Mode / test API keys are documented; sandbox available upon request. Public pricing: not published as a live rate card on justifi.ai at research. Fees sit on the Order Form per the MSA. Why JustiFi marketing: Straightforward commercial structures, no hidden fees, no made-up products, little to negotiate. We earn when money moves, and there’s no lock-in at any layer. This listing does not invent a monthly SaaS fee or PayFac Direct schedule from stale search snippets; those figures were not on the live /pricing route when fetched.
• License, banks, and company facts (as printed). Registered PayFac sponsored by First-Citizens Bank & Trust Company (Partner Hub; Why JustiFi). Canada: Partner Hub prints ISO of Fiserv Canada and Wells Fargo Bank (Canada); Why JustiFi prints Wells Fargo and First Data. Merchant Agreement (June 9, 2024) still defines Bank as Silicon Valley Bank or such other bank JustiFi partners with; confirm current sponsor on contract. Security / Trust Center: PCI DSS Level 1, SOC 2 Type II (Partner Hub also says SOC 2 Type 2), ISO 27001; AWS hosting; TLS 1.2 in transit; AES at rest. Founded: SEC Form D yearOfInc value 2020; related person on that filing includes Joe Keeley. Live Why JustiFi page does not print a founding year. Headquarters frontmatter uses St. Paul, MN from the current Terms office address (550 Vandalia Street, Suite 105). SEC Form D and Privacy contact block also show Minneapolis / St. Paul Twin Cities addresses; Privacy lists 550 Vandalia St, Suite 105, St. Paul MN (zip printed 55044 on Privacy; Terms prints 55114). Homepage vendor metrics at research: 100K+ Businesses served; $20B Annual Volume. Treat as JustiFi-printed claims, not independently audited figures.
• Named partners on product surfaces (as printed; Standout only). Plaid (verification / ACH); Sezzle (BNPL in docs); Vertical Insure and global carriers (insurance chip on Products); Verifone (card-present docs). Attribute as JustiFi-named integrations, not independent verification of exclusivity.
• Adjacent modules. This page is JustiFi embedded payments for vertical SaaS. Adjacent products are JustiFi’s. They are not this page. Payables, consumer financing, embedded insurance, Instant Payouts beta, Working Capital roadmap, and Partner Hub / Trust Center diligence packs sit next to the payments job.

Sources: justifi.ai, Products, Why JustiFi, Get Started, Partner Hub, Security, Sub-Account Onboarding, Terms of Service, Merchant Agreement, Privacy Policy, Docs Getting Started, API Documentation, Trust Center, Dashboard, SEC Form D filer JustiFi Technologies, Inc..

Honest verdict

JustiFi is the listing to read when the job is embedded payments for a vertical software platform: white-labeled onboarding and checkout components, platform control of merchant rates and payout settings, and JustiFi as the registered Payment Facilitator on the program. Contact sales / Get Started is the intake. Docs and test keys exist after accounts are issued. Live processing waits on a commercial agreement and JustiFi underwriting of sub accounts.

What it is not: a public self-serve live start with no sales conversation, a published platform buy-rate schedule on the marketing site you can treat as yours without an Order Form, or a PayFac license the platform owns on day one. Sponsor-bank print on marketing pages and the June 2024 Merchant Agreement do not fully match line for line; confirm the bank and Canada path on the contract. If you will not take a sales conversation and a guided account setup, stop. If the job is residual economics and merchant ownership now, with JustiFi holding PayFac registration and a same-foundation path into payables and beyond-payments later, start here.