Payabli

What it is

Payabli is Centavo, Inc. d/b/a Payabli’s payments infrastructure and monetization platform for software companies that embed and monetize financial services. Live marketing brand on homepage, Pay In, Pay Out, Pay Ops, SaaS providers, Security, About, and footer is Payabli. Legal: Centavo, Inc. / Centavo, Inc. d/b/a Payabli on the Master Agreement and Sub-Merchant Terms; Privacy Policy prints Payabli, Inc. Canonical marketing domain confirmed live at https://www.payabli.com/ (HTTP 200 at research; rel=canonical on homepage points to www). https://payabli.com/ also returns HTTP 200. Homepage: The Intelligent Fintech Operating System for Software Platforms. Subhead: Payabli provides intelligent infrastructure to help platforms seamlessly embed and monetize financial services. Page title: Payabli | Payments Infrastructure for Software Companies.

Primary product surfaces on the current site: Pay In (/pay-in/), Pay Out (/pay-out/), Pay Ops (/pay-ops/), SaaS providers (/saas-providers/), Intelligence (/intelligence/), Amigo (/amigo/), Modules (/modules/), Creator (/creator/), Security (/security/), Developers (/developers/), About (/about-us/), Contact (/contact-us/), Book a demo (/book-a-demo-with-payabli/ and /schedule-a-demo/). Docs: https://docs.payabli.com/. Portal host linked from site surfaces: https://app.payabli.com. Trust: https://trust.payabli.com. Legal: /terms-and-conditions/, /privacy-policy/. /pricing redirects to /pricing-embedded-payments-strategies/ (a strategy blog post, not a public rate card) at research.

This page is Payabli PFaaS for vertical SaaS: PayFac-as-a-Service style merchant ownership and pricing control with Payabli holding registration and underwriting, plus Pay In acceptance on the same stack. Adjacent surfaces are Payabli’s. They are not this page. Deep Pay Out / managed payables and spend management packaging, Amigo AI agent suite and agentic commerce, Creator no-code builder depth, financial-institution and enterprise-merchant buyer paths, and advisory-only packaging sit next to the vertical SaaS PFaaS job.

Who it’s for

Shapes from homepage, SaaS providers, Pay In, Pay Ops, PayFac-as-a-Service guide, docs Get started, and Sub-Merchant Terms:

• Vertical SaaS platforms embedding payments, which SaaS providers and the PayFac-as-a-Service guide sell as platforms in property management and HOAs, utilities, government, education, non-profits, healthcare, legal, home and commercial services, construction, field services, and related need-to-pay verticals that want acceptance inside the product.
• Platforms that want PayFac-like economics without day-one registration, which Payabli About / Series B copy frames as PayFac capabilities without the heavy lift of becoming a payment facilitator, and which the PayFac-as-a-Service guide describes as the platform controlling merchant pricing, onboarding, and the merchant relationship while the infrastructure partner manages sponsor bank relationships, compliance, and underwriting.
• Platforms that also want payables and payment operations on one API, which homepage and SaaS providers sell as Pay In, Pay Out, and Pay Ops under one infrastructure. Pay Out and deep Amigo / Intelligence packaging are adjacent when the Vert job is PFaaS acceptance rather than AP or AI-agent depth alone.
• Already-registered PayFacs needing only ops tooling, or banks buying infrastructure for their own portals, are Payabli buyers on financial-institutions and related paths. Those paths are adjacent when the Vert job is vertical SaaS PFaaS.

Partner intake is Request a demo / Book a demo, Explore the docs, and Contact. Docs Get started with Payabli: after you’ve signed with Payabli, the team guides Integration Planning, Sandbox Setup, Integration, Certification, Production setup, GTM planning, Pilot paypoint go-live, then ongoing support. Homepage: high-touch support via email, Slack, and phone; white glove integration advisory. 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 boarding templates, Payabli as the registered Payment Facilitator on the program, a sales-led launch with documented APIs and components, and optional Pay Out / Pay Ops on the same stack.

Standout details

• Brand, domain, and product URL (as printed). Official marketing name on live pages: Payabli. Legal: Centavo, Inc. d/b/a Payabli (Master Agreement; Sub-Merchant Terms); Privacy prints Payabli, Inc. Canonical site: https://www.payabli.com/ (HTTP 200; homepage canonical tag points to www; apex also 200). Confirmed product URLs used here: /pay-in/, /pay-out/, /pay-ops/, /saas-providers/, /security/, /developers/, /about-us/, /contact-us/, /book-a-demo-with-payabli/, /schedule-a-demo/, /terms-and-conditions/, /privacy-policy/, /payfac-as-a-service-for-saas-a-complete-guide/, Series B newsroom. Docs: https://docs.payabli.com/. App / Portal: https://app.payabli.com. Trust: https://trust.payabli.com. /pricing was not a live rate-card page at research (301 to /pricing-embedded-payments-strategies/).
• PayFac / PFaaS model (as printed). Footer: Centavo DBA Payabli is a registered Payment Facilitator of PNC Bank and Huntington Bank, N.A.; registered ISO/MSP of Merrick Bank. Sub-Merchant Terms: agreement between the merchant and Centavo, Inc. d/b/a Payabli; Sponsor Bank selected by Payabli from time to time; Payabli verifies identity and underwrites; Payabli name appears in conjunction with the merchant name on cardholder statements. Docs Get started: Payabli underwrites the merchant; when approved, activates the paypoint. Pay In / Pay Ops: platforms set pricing with pricing templates / boarding templates (flat rate, tiered, interchange plus, pass-through / surcharge and convenience fee models as printed); customize by vertical and segment. PayFac-as-a-Service guide: platform owns sub-merchant relationship and pricing; provider holds sponsor bank, compliance, and underwriting; marketing also says platforms may preserve an option to graduate to a registered PayFac later. That graduate path is guide marketing, not a separately named same-stack registered-PayFac product page like some peers; confirm on contract what portability and sponsorship mean for your program.
• Acceptance and integration depth (as printed). Pay In and homepage: online and in-person; wallets; bill pay, lockbox, RDC / offline check capture; invoicing and pay links; card, ACH / eChecks, mobile wallets. Docs Pay In: Apple Pay, Google Pay, Tap to Pay, cloud and AXIUM / PAX / Ingenico device paths, subscriptions / autopays, hosted payment pages, embedded components (EmbeddedMethod UI, PayMethod UI, VirtualTerminal UI, ExpressCheckout UI), Level II and Level III data, IVR. Docs supported regions: Pay In merchants domiciled in a U.S. state, DC, or Canada with a domestic bank; Canada card only; U.S. territories including Puerto Rico not supported for Pay In. Pay Out support table separately lists U.S., Canada (check only), and territories under different rules. Boarding: branded links, no-code embedded components, or direct boarding API; bulk boarding; multi-product boarding. Merchant portability marketing on Pay In: network and processor tokenization; Card Updater; application vault for underwriting data.
• Ops, sandbox, and pricing. CTAs: Request a demo, Book a demo, Explore the docs, Contact. Docs: sandbox is provisioned after signing; integration is certified; production access and root boarding template are configured by Payabli; pilot merchant boarding precedes general release. Public docs and developer tooling (SDKs, MCP, Agent Skills, Postman) are available for evaluation. Public pricing: not published as a rate card. Homepage markets transparent, simple payment revenue share and visibility into wholesale costs; fee schedule sits on the commercial / fee schedule path per Master Agreement and Sub-Merchant Terms. Docs billing: flat rate, tiered, and interchange plus fee structures; absorb, service (payor fee), and bill-to-parent who-pays options; daily or monthly fee frequency; configure fees by contacting the Payabli team. This listing does not invent a buy-rate percentage or monthly SaaS fee.
• License, banks, and company facts (as printed). Registered PayFac of PNC Bank, Pittsburgh, PA, and Huntington Bank, N.A., Columbus, OH; ISO/MSP of Merrick Bank, South Jordan, UT (footer). Sub-Merchant Terms still say Sponsor Bank as selected from time to time; confirm which bank applies per merchant / program. Security page: PCI DSS 4.0; SOC 2; embedded components and PayMethod / EmbeddedMethod UIs marketed as PCI-certified; P2PE for card-present. Trust Center host live at research. Series B newsroom (June 17, 2025): Headquartered in Miami, FL; remote-first team; Co-Founders / Co-CEOs Joseph Elias Phillips and William Corbera; $28M Series B led by Fika Ventures and QED Investors; total capital to date $60,000,000 (vendor claim). Scale claims on that release: multiple billions in live processing volume; 7x year-over-year revenue; surpassed 50,000 merchants (vendor claims). About page does not print a founding year. SEC Form D yearOfInc field was empty on the filings reviewed; Florida foreign corporation for CENTAVO INC filed 01/13/2022 (Sunbiz). Frontmatter headquarters uses Miami, FL from Series B and official Miami address blocks. Frontmatter omits founded because About and SEC yearOfInc do not print a clear year on the sources used here.
• Named customers and stories (vendor-named). Homepage and SaaS providers quote Builder Prime (Jonathan Weinberg). Pay In / Pay Ops quote CurbWaste (Michael Marmo). PayFac-as-a-Service guide also names Roofr, BuildOps, PayHOA, Builder Prime, and Sunbound. Series B names NVIDIA as an AI infrastructure partner and Visa Intelligent Commerce Connect as a pilot program in related newsroom items. Attribute as Payabli-named stories and partners, not independent verification.
• Adjacent modules. This page is Payabli PFaaS for vertical SaaS. Adjacent products are Payabli’s. They are not this page. Managed payables and on-demand payouts, spend management / virtual and ghost cards, Amigo Insights and voice / agentic commerce, Creator, financial-institutions embedding, and deep dispute-agent packaging sit next to the PFaaS acceptance job.

Sources: payabli.com, Pay In, Pay Out, Pay Ops, SaaS providers, Security, About, Developers, Book a demo, Terms and Conditions, Privacy Policy, PayFac-as-a-Service guide, Series B newsroom, Docs Get started, Docs billing and fees, Docs supported regions, Docs home, App, Trust Center, SEC Form D filer CENTAVO INC..

Honest verdict

Payabli is the listing to read when the job is PayFac-as-a-service for a vertical software platform: white-labeled boarding and checkout components, platform control of merchant pricing through templates, Payabli as the registered Payment Facilitator that underwrites merchants, and the same infrastructure for Pay Out and Pay Ops when you want them. Book a demo / Request a demo is the intake. Docs are public. Sandbox and production wait on a signed partnership, certification, and Payabli underwriting of paypoints.

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 a fee schedule, or a PayFac license the platform owns on day one. Footer sponsor-bank and ISO/MSP print and Sub-Merchant Terms that still say Sponsor Bank as selected from time to time should be confirmed on the contract for your merchants. Legal entity print also splits Centavo, Inc. d/b/a Payabli on processing terms versus Payabli, Inc. on Privacy; confirm the contracting name on the Order Form. If you will not take a sales conversation and a guided launch, stop. If the job is residual economics and merchant ownership now, with Payabli holding PayFac registration and a same-stack path into payables and payment operations, start here.