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PayFam
02 · Payments & Token

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.

Book a demo call
  • •••• 4242
PayFam vaultYours
Network tokenDPAN •••• 4242
Embedded transaction history → higher network trust score
Smart routing
  • Stripe
  • Airwallex
Card → token → any railIllustrative · no real card
Own your subscriptions

Your first mistake was letting Shopify own your subs.

Any brand running subscriptions has to own them to make money long term. That means PCI-compliant vaulted subs — every subscriber in a vault you control, usable at each of your processors, so you keep access to them even if the store goes down.

RentedShopify · Checkout Champ · other checkouts
The vault
Shopify
Raw card numbersin their vault — not yours
Who can charge it
  • Stripe
  • Airwallex
  • Rebill with raw card → lower auth rate
  • You do not own the subscriptions
  • You cannot switch payment processor
Next billing day

Rebills stop

Next billing day — statement
Subscribers due1,200
Rebills collected0 of 1,200
MRR collected$0 of $57,600
0% collected
OwnedPayFam · your checkout, your vault
The vault
PayFam
Network tokensin your vault · PCI DSS Level 1
Who can charge it
  • Stripe
  • Airwallex
  • Rebill with network token → 20% higher auth rate
  • You own the subscriptions and payment infrastructure
  • Smart routing — switch payment processor any time
Next billing day

Rebills reroute

Next billing day — statement
Subscribers due1,200
Rebills collected1,200 of 1,200
MRR collected$57,600 of $57,600
100% collected
+20–30% higher auth ratevs. raw card numbers
Backend payment infra

Scaling MRR without backend payment infra will get you cooked. It’s a matter of when, not if.

Route one product page to PayFam. From that order on, every subscriber is vaulted in your name and billable on any processor you connect.

Book a demo callSee the full comparison
Rails

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
Token ownership

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.

  1. Card or wallet
  2. PayFam vault
  3. Network token
  4. Any rail
Vocabulary
  • 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
PayFam Payments

Stripe and PayPal PayFac. We own the risk.

  1. 01Sign up in minutesKYC once, with us. No processor application on your side.
  2. 02No Stripe dashboardOrders, payouts and disputes live in PayFam, not in a second admin.
  3. 03Stripe-class pricing2.9% + $0.30 on the Plus plan, and nothing per attempt.
  4. 0490%+ approvalNetwork tokens on a warmed-up account, not raw cards on a new one.
  5. 05Multi-PSP, one dashboardKeep Adyen or Airwallex beside it; smart routing picks the rail per transaction.
  6. 06Same token everywhereA closed MID is a routing change, not a re-collection campaign.
Payments as a service

Payments as a service.

The MID, the processor relationship and the ramp — handled, so the account is never the risk.

  1. 01We source and negotiate MIDsProcessor introductions and pricing, handled for you.
  2. 02Slack channel with processor repsYour account, the processor and PayFam in one thread.
  3. 03Warm-up coachingClean KYC and a controlled ramp, so the account is never the risk.
Auth rate

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.

Approval rate by rail typeIllustrative
Reported floorReported range
  • High-risk MIDs50–60%
  • Top-tier rails90%+
Merchant-reported, from onboarding calls. Not PayFam measurements.
Questions founders ask

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.

Next step

Keep your tokens. Ask us about the MID.

Own your subscriptions.
Scale your MRR.

Go live in 30 minutes, keep every subscriber in a vault you own, and make 20% more with every checkout.

Book a demo callTry the live checkout