Payments Model Fit Navigator
Which payments model is right for you? Answer 13 strategic questions to find out whether referral, PFaaS, or full PayFac fits your business — with the complete analysis shown instantly.
How the Navigator works
Thirteen questions cover your industry, stage, business model, current payments state, GMV, merchant count, transaction mix, goals, timeline, geography, technical resources, risk appetite, and investment capacity. Each answer scores the three operating models; the recommendation is the highest-scoring model, with a confidence level based on the score spread. Guardrail overrides apply where an answer makes a model impractical — the same logic Jane uses in advisory work. For the underlying framework, read Chapter 2 of the Embedded Payments guide.
FAQ
What does the Navigator recommend?
One of three operating models — PSP referral, PayFac-as-a-Service, or full registered PayFac — with a confidence level, the top reasons it fits, a revenue estimate range, a detailed model analysis, and an implementation roadmap.
Do I have to give an email to see the full analysis?
No. The complete analysis — detailed model breakdown, revenue deep-dive, implementation roadmap, and next steps — renders immediately when you finish. Leaving your details is optional and only used for a personal follow-up.
How is this different from the Fit Assessment?
The Fit Assessment answers "is embedded payments right for us at all?" The Navigator assumes yes and answers "which operating model should we run?" Take the Fit Assessment first if you are earlier in the journey.
Vendor-neutral by design: no vendor pays to influence the recommendation. See the editorial methodology.