PayFacto review
A broad restaurant payments stack with terminals, online checkout, APIs, and reconciliation data.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PayFacto provides payment processing for restaurants, hotels, and other merchants. Its restaurant offering covers countertop card-payment terminals, mobile terminals, tableside order and payment handling, e-commerce processing, hosted checkout, payment pages, and shareable payment links. The product is suited to restaurants that need to support card-present and online transactions across different service settings, while also connecting payments to POS and software systems.
Its breadth is the main reason to consider it. PayFacto combines in-person payment hardware with online checkout and payment links that can be shared by email, SMS, or QR code. Its APIs support payment authorization, capture, refunds, and transaction lifecycle management. Reporting, reconciliation, and settlement data access add operational coverage for teams managing payment activity across locations or channels. Listed integrations include COBA, Freebees, Hopem, NMI, Paymentree Merchant Systems, and PrestaShop, while the hospitality offering also includes restaurant POS integrations such as Veloce and Maitre'D.
Pricing follows a contact-sales model, with prospective customers directed to request a quote. That approach may fit restaurants seeking a tailored payments arrangement, but it gives buyers less immediate pricing context than a published plan structure. PayFacto operates across Canada, the United States, and the United Kingdom, and available products and terms may vary by country. Restaurants should consider PayFacto when they want one payments stack spanning terminals, tableside service, e-commerce, APIs, and reconciliation data. It may be less suitable for buyers who prioritize transparent standard pricing or a single-country product configuration.
PayFacto pros and cons
- Where it wins
- Supports countertop, mobile, and tableside card payments
- Combines e-commerce, hosted checkout, payment links, and POS integrations
- Provides lifecycle APIs plus reporting, reconciliation, and settlement data
- Where it doesn't
- Pricing requires a custom quote through sales
- Products and terms may vary by country
- Platform coverage is listed as web, Android, and API
PayFacto fact sheet, pricing and score →
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