--- title: "Integrated Payments FAQs: How Integrated Are You?" description: Unlock the intricacies of PayFacs with our FAQ guide. From integration challenges to seamless merchant onboarding, get answers to common queries. image: https://blog.payroc.com/hubfs/blog/integrated-partner-search.jpg --- [Skip to Content](https://blog.payroc.com/common-integration-faqs-for-payfacs#main-content) ![USA - Current Region](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) US - [![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States](https://payroc.com/) - [![Canada flag](https://payroc.com/wp-content/themes/payroc/assets/ca-flag.svg) Canada](https://payroc.com/en_ca/) [EN](https://payroc.com/en_ca/?utm_content=language-button) [FR](https://payroc.com/fr/?utm_content=language-button) - [![United Kingdom flag](https://payroc.com/wp-content/themes/payroc/assets/uk-flag.svg) United Kingdom](https://uk.payroc.com/) - [![Puerto Rico flag](https://payroc.com/wp-content/themes/payroc/assets/pr-flag.svg) Puerto Rico](https://dynamicspayments.com/) Partner‑Driven. People‑Powered. Global‑Simplified. [![Payroc - Homepage](https://blog.payroc.com/hs-fs/hubfs/payroc-logo-black.png?width=77&height=59&name=payroc-logo-black.png "Payroc - Homepage")](https://payroc.com/) Search - Sign in Back Gateways [Payroc Gateway](https://payments.payroc.com/merchant/selfcare/) [IBX](https://gateway.ibxpays.com/vt/login.aspx) [Worldnet](https://payments.worldnettps.com/merchant/selfcare/) [Caledon](https://dashboard.caledoncard.com) [iTransact for Agents](https://gateway.itransact.com/h/cp/user_sessions/landing) [iTransact for Merchants](https://gateway.itransact.com/h/cp/user_sessions/landing) [Third-party Gateways](https://payroc.com/third-party-gateways/) Systems [Payroc Insights](https://payroc.partnerengage.com/Account/Login) [Roc Services](https://services.rocpos.com/) [Roc Terminal+](https://terminalplus.rocpos.com/) [Sales Portal](https://sales.payroc.com/Login.aspx) [MSPWare](https://nxgen.mspware.com/Beta#/Login) [Third-party Systems](https://payroc.com/third-party-systems/) - [Contact us](https://payroc.com/contacts/) Menu - Platform Back Move Money [Payment Processing Power every payment journey](https://payroc.com/payment-processing-services/) [Omnicommerce Gateway Process securely, everywhere](https://payroc.com/solutions/gateway/) [Pricing Programs Cut processing costs](https://payroc.com/payment-processing-options/) [Global Payment Orchestration Optimize payments wherever you sell](https://payroc.com/solutions/payment-orchestration/) Run the Business [Payroc Capital Access fast, flexible funding](https://payroc.com/merchant-financing-solutions/) [Invoicing & Billing Simplify billing and accelerate cash flow](https://payroc.com/invoicing-and-billing/) [Point-of-Sale Systems Find the right POS solution](https://payroc.com/point-of-sale-systems/) [Giving & Donations Accept donations, run campaigns](https://payroc.com/donations-and-giving/) [Data & Analytics Access and understand payment data](https://payroc.com/payment-analytics/) Integrate & Build [Integrated Payments Get more from embedded payments](https://payroc.com/integrated-payments/) [Integration Essentials Add payments fast with prebuilt tools](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) [Payroc Cloud Integrate POS devices via the cloud](https://payroc.com/solutions/cloud/) [Full Stack Choose tools to build your way](https://docs.payroc.com/solutions#full-stack) [Developer Experience Simplify your integration path](https://payroc.com/solutions/developer-experience/) [Direct ERP Integrations Connect payments to ERP systems](https://www.bluesnap.com/partners/?_partner_category=erp-crm) - Who We Serve Back Partner With Us [Software Providers Upgrade your payments partnership](https://payroc.com/industries/saas-vendors/) [ISOs & Agents Help merchants grow while earning more](https://payroc.com/industries/sales-partners-agent/) [Financial Institutions Drive commercial growth with merchant services](https://payroc.com/industries/financial-institutions/) [Referral Partners Earn residual income from referrals](https://payroc.com/industries/referral-partners/) Process With Us [Small & Midsize Businesses Accept payments, manage business easily](https://payroc.com/industries/merchants/) [Enterprise Streamline complexity, optimize profits](https://payroc.com/enterprise-payments/) Build With Us [Developer Experience Simplify your integration path](https://payroc.com/solutions/developer-experience/) - Who We Are Back [About Us Get to know Payroc](https://payroc.com/about-us/) [Events Connect with us on the road](https://payroc.com/events/) [Careers Join our award-winning team](https://payroc.com/about-us/careers/) [Our Community See our community involvement](https://payroc.com/about-us/our-community/) [Our Team Get to know our leadership](https://payroc.com/about-us/our-team/) - Resources Back Learn [Blog & Insights Read industry insights](https://blog.payroc.com/) [Case Studies See how businesses grow with us](https://payroc.com/case-studies/) [Product Updates Stay up to date on launches](https://payroc.com/product-updates/) [Feature Log Explore product enhancements](https://payroc.com/feature-log/) [News & Press Explore news and announcements](https://payroc.com/about-us/awards-and-press/) Support [Support Center Get answers to your questions](https://support.payroc.com/) [Security & Compliance Explore and access trust resources](https://payroc.com/security-and-compliance/) - Developers Back [Developer Portal Access sandbox and API keys](https://developers.payroc.com/) [Payroc.ai Get insights from Payroc developers](https://payroc.ai/) [Developer Docs Explore guides and AI skills](https://docs.payroc.com/) [Back to Blog](https://blog.payroc.com) # How Integrated Am I? Common FAQs for Payment Facilitators Posted on Mar 18, 2024 By [John Clarke](https://blog.payroc.com/author/john-clarke) - [**Software**](https://blog.payroc.com/tag/software) - [**Integrated Payments**](https://blog.payroc.com/tag/integrated-payments) - [**ISV**](https://blog.payroc.com/tag/isv) ![How Integrated Am I? Common FAQs for Payment Facilitators](https://blog.payroc.com/hubfs/blog/integrated-partner-search.jpg) Share this: - - - Ask most payment facilitators if they can handle integrated payments and they’ll answer, “Of course.” Integration is the very nature of their product offering. The better question to ask is “How integrated are you?” The answer to that depends on how much of their processes truly offer full integration – from seamless merchant onboarding to dynamic funding capabilities. Offering a fully integrated payments experience will require a payment facilitator to solve various challenges and opportunities. In this blog, we’ll examine the questions payment facilitators should answer to become fully integrated. ## How Integrated Should a Payment Facilitator Be? A payment facilitator can easily function by simply integrating the transactional portion of payments, but there’s more to consider than just payments. The end-to-end process includes merchant onboarding, customer support, settlements, and reporting. Each step in that process should be as seamless as the next. All the while, customers should have plenty of opportunities to ask questions and get actionable answers. Simply handing off a solution with little to no follow-up or support won’t work in today’s highly competitive payments landscape. In fact, merchants expect white glove service and are easily frustrated with solutions that promise to be simple but prove to be complicated. ## What Should a Payment Facilitator Consider for Merchant Boarding? Payment facilitators typically excel at providing a seamless, automated merchant boarding process. But what happens next? What happens when customers run into trouble during boarding? Who will they call? The longer customers have to wait to take advantage of a payment facilitator's services, the more likely it is that the client will start looking for another solution. Payment facilitators should offer more than just an API call. Merchants need access to resources that can help them solve their boarding issues quickly and with little hassle. ### How the Payroc Gateway Helps The Payroc gateway allows payment facilitators to collect all pertinent information about each merchant digitally, submit that information through our API, get a digital signature, and provision that account to be up and ready for processing quickly. In addition, our customer service and support teams are unmatched in the industry. Our clients know they will always get an answer to their questions – no matter how complex. ## What Types of Payments Should a Payment Facilitator Offer? For a payment facilitator to remain flexible, they have to be able to offer a range of payment options. The challenge is how to expand into other payment types quickly. Payment facilitator development teams are experts on the payment types those payment facilitators offer, but not much beyond that. And the cost of building functionality can be cost-prohibitive. ### How the Payroc Gateway Helps The Payroc gateway allows all stakeholders to take advantage of virtually any type of payment option – card present, card-not-present, alternative payments, and more. Through PayByCloud, integrators require only a few lines of code to enable processing for that full range of payments through. That means no need for multiple API calls and authentication methods. The seamless transaction process also makes integration with external accounting and management software simple, so settlement and reporting processes can be just as seamless. ## Why Is Dynamic Funding Important for Payment Facilitators? With the increased complexity of payment processing, customer funding requirements have expanded beyond simple single-bank-to-single-bank transactions. Creative partnerships have added more complexity to the settlement process, making dynamic funding the rule rather than the exception. Payment facilitators need to provide or partner with a solution that offers dynamic funding capabilities to manage revenue distribution efficiently. ### How the Payroc Gateway Helps Payroc streamlines funding and settlement processes to facilitate nearly any type of dynamic funding arrangement and payments partner through our platform. This allows customers to direct funds at a granular level easily. This added feature can make a payment facilitator that much more competitive. ## What Role Does Reporting Play for Payment Facilitators? Robust reporting is a critical tool that allows merchants to make key decisions about their business. The more integrated their reporting is, and the more real-time data they can access through the tools that best suit them, the better they can plan for the future and adjust to current challenges. ### How the Payroc Gateway Helps Our Reporting API gives customers insights into every aspect of their payments – demographics, fraud issues, and data to assess the effectiveness of sales and marketing strategies across regions. Customers use our reporting capabilities such as: - Total funds allocated for partner splits - Comprehensive end-to-end transaction flows - Transactions with minimal processing requirements - Authorizations and dispute details - The status of disputes - Automatic submission of 1099s and K-9s For payment facilitators to truly be integrated from end-to-end within the payments ecosystem, they must be able to solve their customers’ problems throughout the process. With the help of an experienced payments partner, payment facilitators can offer that comprehensive integration without having to build it from scratch. Even better, the seamless manner in which a payment facilitator can “plug into” Payroc’s gateway can create an advantage in a highly competitive industry. Learn more about how Payroc can make your business more competitive and solve for total integration by [contacting us](https://payroc.com/contacts/).   ## Get started with Payroc No matter where you are in your payments journey—whether you're a merchant, agent, referral partner, or software developer—we're here to help. [Contact us](https://payroc.com/contacts/) Platform Move Money - [Payment Processing](https://payroc.com/payment-processing-services/) - [Omnicommerce Gateway](https://payroc.com/solutions/gateway/) - [Pricing Programs](https://payroc.com/payment-processing-options/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) Run the Business - [Payroc Capital](https://payroc.com/merchant-financing-solutions/) - [Invoicing & Billing](https://payroc.com/invoicing-and-billing/) - [Point-of-Sale Systems](https://payroc.com/point-of-sale-systems/) - [Giving & Donations](https://payroc.com/donations-and-giving/) - [Data & Analytics](https://payroc.com/payment-analytics/) Integrate & Build - [Integrated Payments](https://payroc.com/integrated-payments/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Full Stack](https://docs.payroc.com/solutions#full-stack) - [Developer Experience](https://payroc.com/solutions/developer-experience/) - [Direct ERP Integrations](https://www.bluesnap.com/partners/?_partner_category=erp-crm) Who We Serve Partner With Us - [Software Providers](https://payroc.com/industries/saas-vendors/) - [ISOs & Agents](https://payroc.com/industries/sales-partners-agent/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) - [Referral Partners](https://payroc.com/industries/referral-partners/) Process With Us - [Small & Midsize Businesses](https://payroc.com/industries/merchants/) - [Enterprise](https://payroc.com/enterprise-payments/) Build With Us - [Developer Experience](https://payroc.com/solutions/developer-experience/) Developers - [Developer Portal](https://developers.payroc.com/) - [Payroc.ai](https://payroc.ai/) - [Developer Docs](https://docs.payroc.com/) Who We Are - [About Us](https://payroc.com/about-us/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about-us/careers/) - [Our Community](https://payroc.com/about-us/our-community/) - [Our Team](https://payroc.com/about-us/our-team/) Resources Learn - [Blog & Insights](https://blog.payroc.com/) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [News & Press](https://payroc.com/about-us/awards-and-press/) Support - [Support Center](https://support.payroc.com/) - [Security & Compliance](https://payroc.com/security-and-compliance/) --- **System status** All systems operational Payroc WorldAccess, LLC or its subsidiaries (“Payroc”) is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Concord, CA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Citizens Bank, N.A., Providence, RI, Merrick Bank Corporation, South Jordan, UT, Woodforest National Bank, The Woodlands, TX and KeyBank, N.A., Cleveland, OH. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third-Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH. - - - - [![Payroc BBB Business Review](https://payroc.com/wp-content/uploads/2026/05/bbb-accredited-business.png)](https://www.bbb.org/us/il/tinley-park/profile/payment-processing-services/payroc-0654-90002110/#sealclick) Copyright © 2026 Payroc WorldAccess, LLC - [Legal](https://payroc.com/legal/) - [Accessibility Statement](https://payroc.com/accessibility-statement/) - [Reviews](https://payroc.com/reviews/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "John Clarke", "url" : "https://blog.payroc.com/author/john-clarke" }, "dateModified" : "2025-08-01T20:20:52.560Z", "datePublished" : "2024-03-18T22:00:00.000Z", "headline" : "Integrated Payments FAQs: How Integrated Are You?", "image" : [ "https://blog.payroc.com/hubfs/blog/integrated-partner-search.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.payroc.com/common-integration-faqs-for-payfacs", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.payroc.com/hubfs/payroc-logo-navy-1.png" }, "name" : "Payroc" } } ```