Infinicept
“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.