Your Platform.
Your Payments.
Your Revenue.
Give your vertical SaaS platform a white-label payments stack — sub-merchant onboarding, split settlement, and 1099-K filing — and capture 50–100 bps of GMV without hiring a compliance team or obtaining a money transmission license.
Connects with your existing stack
The GMV sitting idle in your platform
Your platform is already the workflow of record for your customers' transactions. Every job dispatched, rent collected, or contractor placement carries payment GMV that flows through your product — and straight out to a processor's take rate, not yours.
PayNestio gives you the infrastructure to capture 50–100 bps of every dollar of GMV flowing through your platform — sub-merchant onboarding under your brand, split settlement on your rules, 1099-K filing handled automatically. PayNestio is not a bank and does not hold your customers' funds; we are a PayFac-as-a-Service layer that sits between your platform and the payment rails.
Explore the PlatformEmbed. Onboard. Settle.
Three phases from your first API call to recurring bps revenue on every transaction your platform processes.
Embed the API
POST your first sub-merchant creation to the PayNestio REST API. White-label payment capture flows appear inside your platform under your domain — no redirects, no third-party branding in the payment path.
Onboard Sub-Merchants
KYC/KYB verification, OFAC screening, and bank account authentication run automatically through your branded onboarding flow. Standard profiles clear in under 24 hours.
Settle, Disburse, and File
Funds split according to your configured rules and route via ACH origination on your payout schedule. At year-end, 1099-K forms generate and e-file with the IRS automatically — your team reviews a summary report, nothing more.
Everything you need to monetize payments
Six purpose-built modules for the full payment facilitation lifecycle — from sub-merchant KYC onboarding through disbursement rails and year-end 1099-K e-filing.
Split Settlement Engine
Multi-party settlement routes funds to sub-merchants, your platform account, and any third-party recipients on configurable schedules. Rules defined per transaction type, merchant tier, or job category.
1099-K Filing
Automated IRS 1099-K generation and e-filing for every sub-merchant exceeding the reporting threshold. Your platform is the payer of record — we handle the paperwork and the IRS submission.
White-label Sub-Merchant Onboarding
KYC/KYB verification, beneficial ownership collection, OFAC screening, and bank account authentication — all under your brand, hosted on your domain. Sub-merchants never see PayNestio.
Disbursement Rails
T+0, T+1, and T+2 ACH origination options per sub-merchant or globally. Payout velocity controls limit disbursement exposure. Same-day settlement for contractors who need it.
Compliance Dashboard
Real-time view of sub-merchant KYC status, AML flags, chargeback exposure, and 1099-K threshold tracking across your entire portfolio. Escalation queue for manual review cases.
RESTful API
Full API coverage for sub-merchant lifecycle, payment routing, payout scheduling, and webhook event subscriptions. Idempotency keys, HMAC-signed webhooks, and event replay — designed for production-grade integrations.
Designed for your market's transaction model
Generic payment processors don't understand per-job split settlement, per-unit ACH disbursement, or per-placement 1099-K thresholds. PayNestio is purpose-built for the transaction model your vertical runs on.
Field Service
Capture revenue on every job dispatched. Field service platforms process significant GMV per completed job — and today, you keep none of it.
Learn moreProperty Management
Turn rent collection and maintenance billing into a revenue stream. Every rent payment and vendor invoice is an embedded payments opportunity.
Learn moreHealthcare Staffing
Automate contractor payouts and 1099-K at scale. Healthcare staffing platforms handle high-frequency, high-volume contractor payments that demand compliance automation.
Learn morePlatform operators building on PayNestio
"We were routing every technician payment through a third-party processor and capturing zero of the interchange. The compliance burden of becoming our own payment facilitator looked impossible — KYC infrastructure, AML program, 1099-K obligations. PayNestio absorbed all of that. We went from zero bps captured to a meaningful per-job revenue stream in about two weeks of integration work."
"The 1099-K problem was the trigger. We had 340 maintenance vendors paid through our platform and were facing a January manual export nightmare — cross-referencing payment totals against contractor records by hand. PayNestio eliminated that entirely. The settlement split logic and the chargeback management tooling have been equally solid. Our ops team hasn't touched a year-end payment file since we went live."
Start earning from every transaction in your platform
PayNestio is not a bank. We don't hold your customers' funds. We give your platform the payment facilitation layer — sub-merchant onboarding, split settlement, ACH disbursements, and 1099-K filing — so you capture the take-rate without building it. Request access to start your sandbox integration.