payment processing payment gateway payment system payment terminal payment facilitator recurring billing accept payments psp payfac emv become payfac payment service provider online payment become a payment facilitator open source pci compliance payment system integration implement payfac model unipay gateway payment gateway cloud collaborative payment processing merchant services companies merchant fraud own payment gateway payment solution transaction processing cost reduce processing fees reduce processing costs processing cost reduction replace legacy system legacy system payment processor white label monitoring chargeback point-to-point encryption bank transfer bin files emv certification pinless recurring billing lifecycle fraud protection credit card fraud monetizing payments payments monetization monetization bear market payment facilitator model franchising franchisor build payment gateway payment technology venture capital firm portfolio companies venture capital investment company pci international payment processing multicurrency process transaction saas platforms saas credit card processing transaction processing acquiring bank payfac model transaction processing fees processing fees accept payments without merchant account accept credit card payments merchant services iso electronic payments process payments payment facilitation online marketplace merchant of record payment gateway integration open source payment gateway collaboration processing lifecycle terminal cloud bank account transfers integrated payment solution omni-channel contactless payment credit card payment paypal tansaction payment aggregator convenience fees mpi integration tokenization hsm p2pe fulfillment process terminal management system encryption merchant fees startup merchant account pa-dss split funding emv integration data data archiving database fault tolerance decline codes offline online business 3d secure program card fraud debit card timeout connection timeout payment security virtual currency branding paylosophy payment system integration steps
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