Payfacto
“Can a Canadian hospitality-focused payment processor become the full financial OS — payments, POS software, and embedded capital — for restaurant operators across Canada, the US, and the UK?”
PayFacto evolved from its roots as an independent payment processor (CT Payment Inc.) into a vertically integrated payments and software company focused on the Canadian restaurant and hospitality sector. By acquiring Maitre'D and Veloce POS platforms, it embedded payments directly into point-of-sale workflows rather than remaining a generic ISO. In 2026, the company moved further up the value chain by launching Maitre'D Capital Cash Advance with Liberis, adding revenue-based embedded lending on top of its payment data — signalling a deliberate shift toward becoming the financial OS for Canadian hospitality operators.