Cashflows launches Shift in London, giving fintechs a faster and cheaper route to PayFac power

 Cashflows, the platform that makes it easy for businesses to accept payments, has launched Shift, a new service that lets fintechs, ISVs, ISOs and enterprise merchants take true ownership of their payments.

Unveiled at a packed London event with industry leaders from Mastercard, Cardstream and Thistle Initiatives, Shift positions Cashflows at the centre of a fast-changing payments landscape where businesses want ownership, not dependency.

Traditional payment facilitator (PayFac) models require significant investment and regulatory approvals that can take years to secure. Shift combines PayFac as a Service (PFaaS) with Acquiring BIN Sponsorship, giving businesses the ability to act like acquirers and payment facilitators without the regulatory and scheme cost burden. This approach allows providers to go to market faster, cut overheads, and improve customer experience while keeping their own technology and brand at the core.

The launch builds on Cashflows’ recent momentum, including a partnership with Indian fintech Mswipe to power rapid UK market entry and with Cardstream to expand embedded payments access for ISVs and fintechs.

Philip Harding, Commercial Director at Cashflows, said: “The old ISO model is finished. For too long, businesses have had to accept either dependency on acquirers or the heavy burden of becoming a PayFac. Shift changes that. With PayFac as a Service and Acquiring BIN Sponsorship, we are giving them the tools to own their payments journey, increase their bottom line and grow faster.”

Hannah Fitzsimons, CEO of Cashflows, added: “Payments ownership is the next big shift in our industry. The energy in the room today proved that. Shift is about making ownership possible for every ambitious provider, whether they are a fintech, an ISO or an enterprise merchant. Cashflows is proud to lead this revolution by opening up the benefits of BIN Sponsorship and PayFac capability to businesses that want control, speed and lower costs.”

Industry analysts predict that the European PayFac market will exceed €200 billion in processed volume by 2027, driven by demand from software providers and challenger fintechs embedding payments into their services. By offering PayFac Lite and BIN Sponsorship as licensed services, Cashflows is positioned to capture this growth and redefine how providers expand in the UK and EEA.

Cashflows Shift is available immediately to businesses across the UK and EEA.

To learn more about Cashflows, visit: https://www.cashflows.com/