Software platforms wanting to handle payments for merchants can either spend 12–24 months and over $1 million building their own infrastructure, or partner with a PayFac-as-a-Service provider to launch in 4–8 months. This article compares six leading providers—Finix, Tilled, Worldpay for Platforms, Exact Payments, Stax Connect, and VoPay—covering market focus, key strengths, funding amounts, processing volume, onboarding speed, and selection criteria. With 91% of independent software vendors expecting embedded payments to grow, this guide helps platforms evaluate geographic coverage, integration timelines, technical resources, growth paths, and pricing structures.