Payment Facilitators: How These Providers Are Eating the Payments Value Chain

Payment Facilitators: How These Providers Are Eating the Payments Value Chain

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The payfac model has catapulted into the mainstream, thanks to payments disruptors like PayPal, Square, and Stripe. The growth in the number of payfacs, and in the payment volume passing through them, is reshaping key relationships within the payments ecosystem. But the model bears some drawbacks for the diverse swath of companies adopting it, as well as for the merchants that work with them.

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