Payments infrastructure built for platform operators, not consumers
Vertical SaaS platforms run the day-to-day operations of field service, property management, healthcare staffing, and dozens of other industries. The GMV flowing through those platforms is real and recurring — but capturing even 50 bps of it has historically required a money transmission license, a compliance team, and years of engineering. PayNestio exists to change that ratio: PayFac-as-a-Service infrastructure that installs in days, not quarters.
Carlos Mendes
CEO & Co-founder
Carlos spent the years before founding PayNestio building settlement routing and payout infrastructure inside a Miami-based fintech company — close enough to the payment rails to understand exactly where the cost centers were, and why vertical SaaS platforms couldn't access them. Every engagement with a platform operator came back to the same set of obstacles: the compliance burden of KYC/KYB at scale, the engineering cost of multi-party split settlement, the annual 1099-K filing obligation that nobody had automated.
The gap was not technical — the rails existed. ACH origination, sub-merchant onboarding, split settlement logic — these were solved problems in large enterprise payments. The gap was that no one had packaged them as a clean API for the founder building a $5M ARR field service SaaS in 2025. PayNestio is that package. Founded in Miami in 2025, bootstrapped from day one, built to give vertical SaaS operators the payment monetization layer their platforms already deserve.
PayNestio is not a bank. It does not provide money transmission licenses or financial regulatory advice. Carlos can help you understand the integration — your legal counsel handles your compliance obligations.
"The GMV is already flowing through your platform. We give you the infrastructure to keep a fair share of it."
Payments and compliance people
Payment facilitation architecture, split settlement routing, sub-merchant onboarding design. Founded PayNestio to make PayFac-as-a-Service accessible to vertical SaaS platforms.
Distributed systems engineering with a focus on high-throughput ACH transaction processing and event-driven settlement architectures for financial platforms.
BSA/AML program design, KYC/KYB operations, FinCEN CDD compliance, and financial regulatory frameworks for money services businesses and payment facilitators.
Vertical SaaS go-to-market, platform partner development, and embedded finance commercial strategy. Specializes in field service and property management platform ecosystems.
What we believe about building payments infrastructure
Infrastructure-first
We build plumbing, not products. PayNestio's job is to be invisible in your stack and reliable in every settlement cycle — ACH disbursements that clear, 1099-K filings that go through, KYC decisions that don't cause support tickets.
Transparent by default
Interchange pass-through is visible per transaction. Settlement reports show gross, fee, and net. Audit logs are real-time. You should never have to guess what happened to a payment or why a sub-merchant was flagged.
Aligned incentives
PayNestio earns bps when your platform processes volume. There is no revenue model that works unless your platform grows. Our growth is structurally downstream of yours.
Compliance by design
BSA/AML monitoring, KYC/KYB enforcement, OFAC screening, 1099-K filing — these aren't compliance boxes we check reluctantly. They are the reason platforms can move money at scale without regulatory exposure. We build them into the platform, not onto it.
Based in Miami, FL
PayNestio is headquartered at 1450 Brickell Avenue in Miami's Brickell financial district. Florida's money services business regulatory framework, proximity to Latin American payment corridors, and growing fintech engineering talent pool make it a natural base for a payment infrastructure company serving North American vertical SaaS platforms. We do not have physical offices outside Miami.
1450 Brickell Avenue, Suite 2200Miami, FL 33131
Request early access to PayNestio
We're onboarding early platform partners in field service, property management, and healthcare staffing. Tell us about your vertical, monthly GMV, and how you're currently handling payments — we'll respond within one business day.