Product overview — Payments & Billing APIs
•
High
Finix
Finix is payment infrastructure enabling software platforms to become payment facilitators (PayFacs) and own payment economics. Captures merchant payment revenue share vs paying Stripe Connect fees.
Sources linked — see verification below.
Freshness & verification
Who is this best for?
This is the fastest way to decide whether Finix is in the right neighborhood.
Best for
- Established software platforms with 500+ merchants processing payments
- Vertical SaaS companies where payments are 20%+ of revenue opportunity
- Platforms processing $100M+ GMV annually where economics justify PayFac ownership
- Software companies wanting to capture 20-40 bps revenue share per merchant
- Businesses needing complete white-label control over merchant payment experience
- Platforms where Stripe Connect per-merchant fees erode margins at scale
Who should avoid
- Early-stage platforms with <500 merchants - Finix minimums not met
- Software companies unwilling to assume merchant risk and chargeback liability
- Teams lacking compliance expertise (PCI, KYC, AML) - operational burden high
- Need fast launch (<6 months) - use Stripe Connect instead
- International payments priority - Finix coverage limited vs Stripe's global reach
- Platform GMV under $50M/year - economics don't justify PayFac complexity
Sources & verification
Pricing and behavioral information comes from public documentation and structured research. When information is incomplete or volatile, we prefer to say so rather than guess.