How One Restaurant Software Provider Transformed Its Platform with Xplor Pay’s PayFac as a Service
Overview
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Why Use Automated Onboarding?
Restaurant software providers know that payments are more than just a convenience. They’re a critical part of the POS experience. But building a full Payment Facilitator program in-house is expensive, complex, and time-consuming.
That’s where Xplor Pay’s PayFac as a Service solution comes in. One of our restaurant software partners used PFaaS to embed payments directly into their POS platform. The result? A seamless, modern experience for their restaurant clients and a new revenue stream for the software provider.
The Challenge
Before partnering with Xplor Pay, this provider was juggling multiple payment processors for different transaction types. That created a fragmented experience for restaurants, operational headaches for their teams, and no real way to offer embedded payments.
The software vendor wanted to:
The Solution
Embedded Payments Through Xplor Pay’s PayFac as a Service Solution
With Xplor Pay, the provider was able to add embedded payments quickly and securely, without taking on the complexities of compliance, risk, or merchant onboarding.
Using our APIs and JavaScript SDK, card-present and card-not-present transactions were fully integrated into their POS workflow. Payments now feel native to the platform, with white-labeled branding so restaurants see one cohesive system instead of multiple third-party tools.
Behind the scenes, Xplor Pay handled the heavy lifting: onboarding merchants, verifying identities, managing risk, and ensuring compliance with standards like PCI, KYC, and AML. This freed the software provider to focus on what they do best: building features, supporting restaurants, and growing their business.
The provider also unlocked a new revenue stream. By offering flat-rate pricing and surcharging options, they gave restaurants more predictable costs while creating recurring payments revenue for themselves.
What the partner achieved:
- A seamless, unified payment experience inside their POS
- White-labeled payments that feel part of their existing platform
- Streamlined onboarding with automated setup and verification
- New revenue opportunities through flat-rate billing and surcharging
- Reduced operational complexity by offloading compliance and risk to Xplor Pay
- Faster time to market than building an in-house Payment Facilitation program
The Impact
For the software provider:
- Embedded payments launched quickly, enhancing their product offering
- They created a new, recurring revenue stream
- Operations became simpler and easier to scale
For restaurant clients:
- Payments are easy to set up and fully integrated into the POS
- They deal with just one vendor for both POS and payments
- Advanced features like pay-at-table, automated reporting, and loyalty integrations became possible
The Bottom Line
Restaurant software providers don’t need to build a Payment Facilitation platform from scratch to deliver embedded payments. Xplor Pay’s PayFac as a Service makes it simple, fast, and profitable. Software providers can focus on their product while we handle compliance, risk, and payment processing.
Embedded payments improve the restaurant experience, reduce friction, and open recurring revenue opportunities, all with one simple integration.
Ready to maximize payments revenue and streamline operations for your restaurant POS? Xplor Pay can help.
Article by Xplor Pay
First published: December 03 2025
Last updated: December 03 2025