BigDog Payments operates as a Payment Facilitator (PayFac), enabling partners and merchants to run private-branded payments infrastructure with instant onboarding, intelligent routing, real-time decline recovery, and full control over approvals and money flow — without bank-level risk or operational overhead.
A Payment Facilitator is not a traditional ISO or referral model. BigDog Payments provides PCI Level 1–certified orchestration infrastructure that allows partners to operate their own payments platform while BigDog handles compliance, certification, and underlying risk frameworks.
No waiting periods. Merchant IDs (MIDs) are approved and activated in real-time, enabling immediate payment processing.
Infrastructure that scales with your volume without approval bottlenecks or capacity constraints.
Manage approvals, routing, reserves, and settlement flow directly through your dashboard. No third-party handoffs.
Own the entire merchant lifecycle from onboarding through long-term account management and support.
This model replaces hand-offs to third-party acquirers with true platform control.
The platform is fundamentally different from legacy acquiring stacks. BigDog's orchestration layer delivers measurable advantages across the transaction lifecycle.
Transactions are routed dynamically across multiple payment rails based on real-time performance, issuer response patterns, and transaction characteristics.
Declined transactions trigger automated recovery flows—alternative routing, intelligent retry logic, and issuer-specific optimizations that convert soft declines into approvals.
Inbound and outbound voice interactions handled instantly by AI systems that resolve cardholder concerns, verify transactions, and reduce false fraud signals before they escalate.
Real-time SMS workflows that verify cardholder intent, reduce false positives, and strengthen issuer confidence over time through documented verification patterns.
Fraud and disputes are addressed as live customer interactions—not after-the-fact chargebacks. This reduces dispute volume and preserves merchant account health.
BigDog Payments is designed for agents with existing merchant portfolios, medium- and high-risk merchants constrained by traditional acquiring, and partners who want to bypass legacy approval bottlenecks without rebuilding systems.
Operating as a PayFac through BigDog Payments allows partners to own the payments revenue stack while scaling with confidence.
This model delivers PSP-level control without underwriting exposure, bank sponsorship risk, or internal compliance overhead.
Intelligent routing converts more transactions
Instant approvals replace lengthy underwriting
Decline recovery flows capture lost transactions
Proactive customer service prevents chargebacks
Infrastructure that grows with volume
Not a constraint on business growth
Partner with BigDog Payments to operate private-branded payments infrastructure with full control, instant onboarding, and revenue ownership — without bank-level risk or operational overhead.
Partner with BigDog Payments