Payfactory Api

Name: Payfactory Api API
Brand: Payfactory Api
Availability: InStock

★ Only Publicly Available OpenAPI DocumentPaymentsPayment ProcessingapiKey15 EndpointsREST

For Agents

Onboard merchant applications, manage underwriting, attach transaction metadata, and pull deposit and ACH reporting data through Payfactory's embedded payfac API.

Connect the Payfactory Api to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Payfactory Api, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Install Jentic One Beta (Self-Hosted)

Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with Payfactory Api API.

Submit a merchant application and track its underwriting status

Drive a multi-step application form session through token-based handoff

Upload supporting documents like bank statements or IDs to a merchant application

Attach metadata to processed transactions for reconciliation

GET STARTED

Start building with Payfactory Api API

Explore with Jentic

View OpenAPI Document

Jentic publishes the only available OpenAPI document for Payfactory Api, keeping it validated and agent-ready.

Jentic publishes the only available OpenAPI specification for Payfactory Api, keeping it validated and agent-ready. Payfactory provides embedded payment facilitation (payfac) services for ISVs and SaaS platforms that want to monetise payments without becoming a payfac themselves. The API covers merchant application onboarding, document upload, underwriting, transaction metadata, and reporting on deposits and ACH transactions, so software vendors can offer payments inside their product without rebuilding the back-office plumbing.

Use Cases

Patterns agents use Payfactory Api API for, with concrete tasks.

★ Embedded Merchant Onboarding

Vertical SaaS platforms onboard their customers as merchants by combining the application form session endpoints with document upload. The /v1/ApplicationForm/session endpoint hands off a tokenised session for the merchant to fill out the form, and /v1/Document/Upload attaches required documents — bank statements, IDs, voided checks — before /v1/Application/Submit and StartUnderwriting close the loop.

Create a session via POST /v1/ApplicationForm/session, upload required documents via POST /v1/Document/Upload/{type}/{appId}, then call POST /v1/Application/Submit and POST /v1/Application/StartUnderwriting/{appId}.

Underwriting Status Tracking

Operations teams use the application detail and status endpoints to poll where each merchant sits in the underwriting queue and surface that state inside their own admin UI. This avoids bouncing customers between systems while their account is being reviewed.

Call GET /v1/Application/Status/{appId} for each in-flight application and update the internal admin record with the latest status.

Transaction Metadata for Reconciliation

Finance and accounting teams attach internal references to processed transactions via /v1/Transaction/Metadata and the bulk variant. The metadata helps reconcile Payfactory deposits against the platform's own ledger entries and customer invoices.

POST /v1/Transaction/MetadataBulk with an array of transaction IDs and corresponding internal invoice numbers to enable reconciliation in the finance system.

Deposit and ACH Reporting

Finance teams pull funded deposits and the ACH transactions that make them up via /v1/Reporting/Deposits and /v1/Reporting/AchTransactions. This drives daily settlement reports, cash forecasting, and the reconciliation runs that bridge gateway activity to the bank account.

Call GET /v1/Reporting/Deposits/{numberOfDeposits} for the last 7 deposits and GET /v1/Reporting/AchTransactions/{referenceId} for each, then build a settlement report.

Agent-Driven Merchant Operations

AI agents help platform ops triage onboarding queues, chase missing documents, and update status across Payfactory by going through Jentic. The Payfactory API key stays in the Jentic vault and the agent can resolve intents like 'check this merchant's underwriting status' without writing custom integration code.

Search Jentic for 'check Payfactory application status', load the GET /v1/Application/Status/{appId} operation, and execute it for each in-flight applicant ID.

Key Endpoints

15 endpoints — jentic publishes the only available openapi specification for payfactory api, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

POST

/v1/Application/Submit

Submit a merchant application

GET

/v1/Application/Status/{appId}

Get current application status

POST

/v1/Application/StartUnderwriting/{appId}

Trigger underwriting on a submitted application

POST

/v1/ApplicationForm/session

Create a hosted application form session

POST

/v1/Document/Upload/{type}/{appId}

Upload a supporting document to an application

POST

/v1/Transaction/MetadataBulk

Attach metadata to multiple transactions

GET

/v1/Reporting/Deposits

List recent deposits

GET

/v1/Reporting/AchTransactions/{referenceId}

List ACH transactions for a deposit

POST

/v1/Application/Submit

Submit a merchant application

GET

/v1/Application/Status/{appId}

Get current application status

POST

/v1/Application/StartUnderwriting/{appId}

Trigger underwriting on a submitted application

POST

/v1/ApplicationForm/session

Create a hosted application form session

POST

/v1/Document/Upload/{type}/{appId}

Upload a supporting document to an application

Why though Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

The Payfactory API key is held encrypted in the Jentic vault. Agents trigger calls through Jentic and never see the key — the ApiKey header is injected at execution time.

Intent-based discovery

Agents search Jentic by intent (e.g. 'check Payfactory application status' or 'pull last week's deposits') and Jentic returns the matching operation with its input schema, so the agent does not browse Payfactory docs.

Time to first call

Direct Payfactory integration: 3-5 days to wire onboarding, document upload, and reporting end to end. Through Jentic: under 1 hour — search, load schema, execute.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Alternative

Stripe API

Stripe Connect provides full payfac-style onboarding and processing for platforms.

Choose Stripe when you want a global payfac with deeper international and online checkout coverage; choose Payfactory when the focus is US ISV-embedded card-present and ACH.

Alternative

Adyen Balance Platform

Adyen Balance Platform supports embedded financial products including payfac flows.

Choose Adyen when the platform needs an embedded financial product with multi-currency global coverage; Payfactory is more focused on US ISV onboarding.

Complementary

GoCardless API

GoCardless adds bank debit (direct debit / ACH pull) alongside Payfactory's card-led flows.

Use GoCardless to add direct debit collection on top of Payfactory's card and ACH-deposit reporting flows.

FAQs

Specific to using Payfactory Api API through Jentic.

Why is there no official OpenAPI spec for Payfactory Api?

Payfactory does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Payfactory Api via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.

What authentication does the Payfactory API use?

Payfactory uses an API key passed in a request header (ApiKey scheme). Through Jentic the key is stored encrypted in the vault and injected at call time so the raw value never enters agent context.

Can I onboard a merchant end-to-end with the Payfactory API?

Yes — chain POST /v1/ApplicationForm/session, POST /v1/Document/Upload/{type}/{appId} for each document, POST /v1/Application/Submit, and POST /v1/Application/StartUnderwriting/{appId} to drive a full onboarding flow.

How do I pull deposit and ACH reporting from the Payfactory API?

Call GET /v1/Reporting/Deposits or /v1/Reporting/Deposits/{numberOfDeposits} for the deposit list, then GET /v1/Reporting/AchTransactions/{referenceId} to get the underlying ACH transactions for each deposit.

What are the rate limits for the Payfactory API?

The OpenAPI spec does not declare rate limits. For reporting workloads, prefer the bulk metadata endpoint (/v1/Transaction/MetadataBulk) and paginate deposit reads to reduce request volume.

How do I check an application's status through Jentic?

Search Jentic for 'check Payfactory application status', load the GET /v1/Application/Status/{appId} operation, and execute it with the application ID. Jentic injects the API key at execution time.