SimpliPay

Licence

A Stripe-Powered PayFac Platform Built for Merchant Portfolio Owners.

White-label your own mobile app and web portal.
  • Control merchant pricing.
  • Board both in-person and e-commerce merchants under one unified architecture.
  • Not a referral program.
  • Not an agent model.
  • A direct Stripe infrastructure under your brand.
Built for established Merchant Portfolio Owners who want control, pricing authority, and long-term merchant ownership.
Schedule a Confidential Strategic Discussion

Expanding Control for Modern Merchant Portfolio Owners

Today’s merchant portfolios are evolving. Infrastructure decisions increasingly determine long-term valuation, flexibility, and leverage.
SimpliPay is designed to enhance, not replace, your existing merchant portfolio operating model.
  • Operate on top of Stripe’s infrastructure under your own branded architecture
  • Maintain control of merchant onboarding, pricing, underwriting, support, hosting, and branding
  • Create flexibility beyond flat-rate or processor-direct constraints
  • Strengthen your position in e-commerce and platform-driven environments
  • Build infrastructure that increases portfolio durability and long-term value

Stripe processes.
You control the architecture.
You monetize the relationship.

This is infrastructure leverage, not just residual participation.

The 7 Questions Every Portfolio Owner Should Ask

Stripe-powered PayFac infrastructure that allows ISOs to operate like Square under their own brand — without surrendering merchant ownership.

No. This is direct architecture. You control pricing and merchant economics.

You do. Merchant-by-merchant tiered pricing above Stripe’s buy rate, adjustable at any time.

Yes. Physical, online, recurring, and hybrid businesses all under one unified pricing structure.

No traditional gateway monthly fees or processing minimums.

You do – branding, underwriting, pricing, and support remain under your control.

Enterprise value follows control. Pricing architecture equals valuation leverage.

What SimpliPay Is

SimpliPay is a Stripe-powered PayFac platform designed exclusively for Independent Sales Organizations.
Delivered as a fully white-labeled mobile app and web portal, it allows Merchant Portfolio Owners to:
  • Operate under a direct Stripe relationship
  • Board both in-person and e-commerce merchants
  • Control merchant pricing tier-by-tier
  • Eliminate traditional middleman merchant monthly fees
  • Maintain Merchant Portfolio Owners level underwriting, pricing, and support authority
This is infrastructure, not a marketing agreement.

One Architecture. Two Merchant Types.

SimpliPay allows Merchant Portfolio Owners to onboard:
  • In-person merchants
    (Tap to Pay & payment links: Email-Text-QR Codes)
  • E-commerce merchants
  • Merchants requiring recurring billing
  • Hybrid physical + online businesses
All under one unified pricing architecture. You are not locked into flat-rate models.
You can assign merchant-by-merchant pricing tiers, adjust pricing at any time, apply risk-based pricing logic, and separate Stripe’s buy rate from your Merchant Portfolio Owners sell rate.

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Meaning:
  • You stop feeding Stripe direct
  • You keep the merchant
  • You control the pricing
  • You monetize both physical and online transactions

Core Platform Capabilities

Merchant Pricing Control

  • Merchant-by-merchant tiered pricing
  • Percent, fixed fee, or blended structures
  • Risk-based pricing logic
  • Stripe buy rate separated from Merchant Portfolio Owners platform fee

Payment Acceptance

  • Apple Tap to Pay
  • QR code payments
  • SMS & email payment links
  • Card-present & card-not-present transactions
  • One-time and recurring payments

Merchant Operational Enhancements

Built-In Sales Tax Calculator (Optional)

  • Merchants can manually enter their sales tax rate. When enabled, the platform automatically calculates and displays tax per transaction.

Non-Cash Adjustment Feature (Optional)

  • Allows merchants to offset processing costs by applying a configurable percentage to eligible non-cash transactions.

Merchant Fast Checkout Calculator

Designed for speed and high-volume environments:

  • Preloaded products or services
  • Real-time order totals
  • Automatic tax and non-cash adjustments
  • SMS receipts
  • No external hardware required

Ideal for:

  • Food trucks
  • Farmers market vendors
  • Festival sellers
  • Pop-ups
  • Field services
  • Trade services

Governance & Revenue Infrastructure

Super Admin Portal

  • Full platform configuration
  • Compliance governance
  • Merchant pricing control
  • Security oversight
Professionals who sell time, expertise, and recurring services.

Reseller Revenue Portal

  • Real-time commission tracking
  • Auto-calculated splits
  • Automated monthly commission statements
  • Merchant leaderboard visibility
  • No spreadsheets required

EPS Revenue Portal (Internal Governance Layer)

  • Immutable transaction ledger
  • Automated split enforcement
  • Audit-grade compensation tracking
  • Institutional revenue integrity
Infrastructure & Strategic Alliances

Stripe

  • Processor of record. PCI compliance, settlement, fraud tools, recurring billing infrastructure.

Twilio

  • SMS receipts, authentication, and merchant communications.

AWS (Licensee Controlled)

  • Scalable hosting environment with volume-based growth.

App Store & Play Store

  • Apple Developer: $99 annually
  • Google Play: $25 one-time registration

Licensing Structure

SimpliPay is licensed under a structured white-label framework.
There is no upfront licensing fee from EPS (a nominal cloning fee is payable directly to IntelliMedia Networks).
  • Approximately 2-week white-label cloning process
  • You register directly with Apple and Google
  • You control hosting (AWS or equivalent)
  • You may enhance or modify code (core IP remains protected)
  • You enter into a direct agreement with Stripe
  • You establish underwriting standards
  • You set merchant pricing
  • You market the solution
  • You provide merchant support
We provide legally vetted Terms of Use, Privacy Policy, Apple Tap to Pay Terms, full platform architecture, and governance oversight.
Revenue flows are visible and paid daily.
Pricing authority remains in your hands.

Merchant-Friendly Economics

  • No merchant monthly fees
  • No processing minimums
  • Non-cash adjustment option
  • Transparent margin visibility

Stripe fees are deducted first. Your Merchant Portfolio Owners platform tier is calculated separately. You retain pricing independence.

Who This Is For

Designed for:

  • Established Merchant Portfolio Owners
  • Organizations seeking direct Stripe architecture
  • Teams wanting pricing control
  • Merchant Portfolio Owners networks with reseller channels
  • Operators building long-term enterprise value

This is not designed for hobby operators or entry-level agents. This is infrastructure for serious Merchant Portfolio Owners principals.

Frequently Asked Questions

Yes.

You do.

No. Stripe fees and ISO platform fees are non-refundable.

Approximately two weeks for white-label cloning.

Yes. It is registered under your developer accounts.

Yes. Merchant-by-merchant tier updates can be applied at any time.

Because then Stripe owns the merchant relationship.

With SimpliPay:

  • You keep the merchant
  • You control the pricing
  • You build enterprise value