“Can a PayFac infrastructure platform become the operating system that software companies use to own their entire embedded payments and embedded finance stack?”
Infinicept was founded by payments industry veterans Todd Ablowitz and Deana Rich to provide infrastructure and expertise to software companies seeking to become payment facilitators. The company initially focused on compliance policies, underwriting tooling, and merchant lifecycle management for companies adopting the PayFac model. Over time, Infinicept expanded its positioning to cover the broader 'embedded finance' wave — articulating a roadmap where software platforms layer on banking, lending, and insurance atop their payments foundation — though Infinicept's own product remains focused on payment facilitator infrastructure.
Infinicept's lending and capital products are provided by Pipe.
Infinicept was founded by Todd Ablowitz and Deana Rich and is headquartered in Denver, CO.
Get a read on where your own stack stands against Infinicept and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.