Tilled PayFac-as-a-Service review
A broad PayFac platform for established software companies with substantial payment volume.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Tilled PayFac-as-a-Service is embedded payment infrastructure for software companies and independent software vendors building and monetizing a PayFac program. It combines merchant onboarding, application management, online and card-present payment acceptance, hosted checkout, reporting, risk checks, dispute workflows, and split payouts. The platform is aimed at established software businesses that want managed connected-account operations, customizable merchant pricing, and white-label payment experiences rather than a narrow checkout component.
Pricing is structured around monthly SaaS fees and revenue sharing. The Start-Up plan costs $500 per month and offers a 70% revenue share for companies processing less than $5M monthly. Scaling costs $2,500 per month, offers an 80% revenue share, and is intended for companies processing more than $5M monthly. Reseller costs $5,000 per month and adds co-branded API documentation, dashboards, and onboarding. Enterprise costs $30,000 per month and offers a 95% revenue share, white-labeled API documentation and dashboards, and custom processor integration. Transaction pricing is handled separately and may vary by merchant or partner arrangement.
The product’s main advantage is breadth across the PayFac operating model. Its KYC, KYB, MATCH list, OFAC, and risk checks support extensive compliance workflows, while disputes, chargebacks, reconciliation, unified reporting, webhooks, APIs, client libraries, and SDKs cover ongoing operations. White-label onboarding, dashboards, communications, and split payments extend the platform into a partner-facing experience. Processing coverage is described across the United States and Canada, with web and API access. Choose Tilled for a broad, managed program with white-label requirements and meaningful payment volume; smaller platforms seeking a lower-cost starting point or narrower payment functionality should look elsewhere.
Tilled PayFac-as-a-Service pros and cons
- Where it wins
- Covers onboarding, acceptance, disputes, reporting, and split payouts
- Advanced KYC, KYB, MATCH list, OFAC, and risk checks
- APIs, SDKs, hosted checkout, and white-label operations
- Where it doesn't
- Starts at $500 per month before transaction pricing
- Published processing coverage spans the United States and Canada
- Higher tiers require substantial monthly processing volume
Tilled PayFac-as-a-Service fact sheet, pricing and score →
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