Switch rails any time, but you keep your tokens.
Stripe, Adyen, Airwallex, NMI and PayPal from one dashboard — or PayFam Payments, our Stripe and PayPal PayFac with 90%+ approvals. Either way, every credential lives in your vault, not the processor’s.
Network token — a card credential issued by the card network, not the processor. It carries the card’s history, so a new rail sees a known card.
•••• 4242
Stripe
Airwallex
One vault. Every rail.
Every rail below, from one dashboard. Add a second one in an afternoon — the token is the same on all of them.
- PayFam PaymentsStripe and PayPal PayFac — we own the rails. 90%+ approval, multi-PSP. Cards, Apple Pay and Google Pay.Live today · Stripe + PayPal PayFac
- StripeYour own Stripe account, connected in minutes. Cards, Apple Pay and Google Pay.Your account
- AdyenCards and wallets on a single global acquiring platform.Add as a second rail
- AirwallexCards and wallets with multi-currency settlement.Add as a second rail
- PayPalPayPal wallet checkout. Not vaulted — PayPal holds the credential.Wallet · built in
- NMISupported for continuity. We move you to a top-tier rail when you’re ready.Continuity
The network token is yours.
Move raw card numbers to a new merchant account and issuers treat them as unknown — approvals drop. A network token carries its transaction history, so the issuer recognises the card.
- Card or wallet
- PayFam vault
- Network token
- Any rail
- DPAN — the device-specific card number a wallet gives you instead of the real one
- Network transaction ID — the network’s own ID for a charge, which later rebills chain to
- CIT→MIT history — the record linking a first charge to later rebills, which issuers use to approve them
Stripe and PayPal PayFac. We own the risk.
- 01Sign up in minutesKYC once, with us. No processor application on your side.
- 02No Stripe dashboardOrders, payouts and disputes live in PayFam, not in a second admin.
- 03Stripe-class pricing2.9% + $0.30 on the Plus plan, and nothing per attempt.
- 0490%+ approvalNetwork tokens on a warmed-up account, not raw cards on a new one.
- 05Multi-PSP, one dashboardKeep Adyen or Airwallex beside it; smart routing picks the rail per transaction.
- 06Same token everywhereA closed MID is a routing change, not a re-collection campaign.
Payments as a service.
The MID, the processor relationship and the ramp — handled, so the account is never the risk.
- 01We source and negotiate MIDsProcessor introductions and pricing, handled for you.
- 02Slack channel with processor repsYour account, the processor and PayFam in one thread.
- 03Warm-up coachingClean KYC and a controlled ramp, so the account is never the risk.
Warmed-up rails clear 90%+.
Cascading five weak MIDs is how approvals fall to 50–60%. One MID — warmed up, clean, yours — is where the approvals are.
- High-risk MIDs50–60%
- Top-tier rails90%+
Straight answers.
What happens when my processor goes down?
Rebills reroute to the next rail with the same network token. Nothing is re-collected and subscribers don’t notice.
Do you cascade or route between MIDs?
We don’t cascade. Smart routing picks the rail per transaction from the ones you connect — and we would rather warm up one strong MID than spread you across five weak ones.
Who handles KYC and processor applications?
We do. PayFam sources and negotiates MIDs, runs the applications and coaches the ramp so the account stays clean.
Do you support NMI?
Yes, for continuity: NMI keeps billing your existing cards. Over time we move you to a top-tier rail where the network token does the work.
Keep your tokens. Ask us about the MID.
- Book a demo call30 minutes · your volume, your rails, your rebill mix
- See the ten levers
Own your subscriptions.
Scale your MRR.
A 30-minute demo on your own store: route one product page to PayFam, watch approvals and conversion side by side, keep it or route it back.
- Live in 30 minutes, no developer
- Shopify stays your store of record
- One product page first — route back any time