The Complete Payments Stack, Embedded in Yours
From white-label sub-merchant onboarding through split settlement and IRS 1099-K e-filing — the full payment facilitation stack embedded in your platform. No money transmission license required on your side. PayNestio is not a bank and does not hold your sub-merchants' funds between settlement events.
Three layers. One integration.
PayNestio's stack is modular — deploy all three layers or start with the ones your current payment volume justifies. Each layer is independently accessible via the same REST API.
White-label UI Layer
- Branded sub-merchant onboarding flows under your domain
- Merchant portal components (payout history, bank account management)
- PCI DSS-scoped payment capture forms — reduces your PCI scope
- Embeddable as iFrame or React components in your existing UI
Settlement Engine
- Multi-party split settlement with configurable rules per transaction type
- ACH origination on T+0, T+1, or T+2 schedules
- Platform fee capture and interchange-plus pass-through accounting
- Daily reconciliation reports with per-transaction audit trail
Compliance & Tax Layer
- KYC/KYB identity verification, beneficial ownership collection, OFAC screening
- BSA/AML transaction monitoring with configurable velocity rules
- Automated 1099-K threshold tracking, form generation, and IRS e-filing
- Chargeback management queue with pre-arbitration dispute tooling
Built for the payment flows that break generic processors
PayNestio's settlement engine handles multi-party splits natively. Define split rules by transaction type, sub-merchant tier, job category, or any custom platform logic. Funds route to sub-merchants, your platform account, and any third-party recipients on your configured schedule. Supports T+0 (instant ACH), T+1, and T+2 ACH origination windows. Every split decision is logged with a full audit trail exportable via API. Interchange-plus pass-through accounting gives your finance team visibility into exact payment economics per transaction.
Sub-merchant onboarding runs a KYC/KYB waterfall: business entity verification, beneficial ownership identification (FinCEN CDD rule compliant), OFAC SDN screening, and bank account authentication via Plaid. Standard business profiles clear without manual review. Sole proprietors, LLCs, and S-corps follow tiered verification flows with different document requirements. Flagged cases surface in your compliance dashboard for human review. The entire flow runs under your domain — sub-merchants never interact with PayNestio's brand.
PayNestio tracks each sub-merchant's cumulative payment volume throughout the calendar year. As the IRS reporting threshold approaches, the system flags the sub-merchant in your dashboard. At year-end, Form 1099-K is generated for every qualifying sub-merchant and submitted electronically to the IRS via the FIRE system. Your platform receives a filing confirmation report with per-merchant detail. No CSV exports, no manual data matching, no January scramble. PayNestio does not provide tax advice — the 1099-K filing service covers the mechanical obligation; consult your tax counsel for platform-specific questions.
Payout velocity controls let you define daily disbursement caps, per-transaction limits, and rolling-window thresholds per sub-merchant or globally across your portfolio. Unusual patterns trigger automated holds before funds leave — protecting your platform's reserve position. For disputes, the chargeback management queue surfaces incoming retrieval requests and chargebacks with response deadlines, supporting documentation, and pre-arbitration tooling. All velocity and chargeback parameters are configurable via API without redeployment.
Settlement visibility built in
Monitor GMV, settlement status, chargeback exposure, and sub-merchant KYC health from a single dashboard — accessible via API or our embeddable UI components. Every number you see is also queryable via REST.
| Sub-merchant | Amount | Platform Fee | Status |
|---|---|---|---|
| Apex HVAC Services | $8,240.00 | $16.48 | Settled |
| BlueSky Plumbing LLC | $5,180.00 | $10.36 | Settled |
| Precision Electric Co. | $12,400.00 | $24.80 | In Transit |
| Valley Roofing Group | $7,650.00 | $15.30 | Pending |
| Metro Landscaping Inc. | $3,960.00 | $7.92 | Settled |
Talk to our team about your platform's payment opportunity
We'll walk through your GMV profile, sub-merchant count, integration timeline, and which plan fits your current payment volume. PayNestio does not provide money transmission licensing advice — we operate as a PayFac-as-a-Service provider so your platform does not need to hold a license.