What it does
Fabrick offers payment orchestration, ecommerce gateways, account-to-account collection and split-payment infrastructure. Businesses can combine the services for their collection and reporting needs, subject to product-specific regional availability. Access involves commercial onboarding, with processing charges and contractual terms.
Payment Orchestra chooses among connected payment providers using routing rules. Financial Split Payments then addresses a different task: collecting the proceeds into a technical account, dividing them among the participating sellers or intermediaries, and paying each party net of fees. Define the recipients and distribution rules around the actual sale; Fabrick sets up the technical accounts.
Payment Facilitator can handle the collection stage between acquirers and your bank. It receives funds, reconciles them against the merchant's records and sends the grouped proceeds by bank transfer. Its dashboard and reports provide the information needed to match that deposit to sales.
For Pay by Bank, the customer chooses Payment from Account, selects a bank and authorizes the prefilled transfer. The service returns a receipt and transaction outcome. UK bank payments use Fabrick's Token.io partnership; the product also names businesses registered in Italy, Spain and France. Confirm the particular service and country before designing the integration.
Understand the quoted charges
The UK Payment Facilitator information sheet publishes maximum conditions, not a personalized quote. For GBP Visa and Mastercard transactions, it lists interchange and scheme fees plus a maximum 5% margin, GBP 2 per refund and GBP 30 per chargeback. Other methods and currencies have their own rows. Ask for the actual processing, payout and platform charges for the selected products and the bank-transfer timetable.
Strengths
- Payment Orchestra automatically matches transactions with purchase orders.
- Payment Facilitator offers a choice of 15 crediting currencies.
Watch out for
- Financial Split Payments is currently offered to businesses with a registered office in Italy; dynamic splitting rules and multicurrency payouts remain listed as coming soon.
- The UK Facilitator terms allow funds to be held to cover actual or anticipated chargebacks, refunds and other merchant liabilities.
Best for
- Marketplaces dividing a sale among several participants
- Businesses coordinating several payment providers and deposit records
Sources
- Fabrick: Open-finance product catalogue (Oct 27, 2026)
- Fabrick: Payment Orchestra (Oct 27, 2026)
- Fabrick: Financial Split Payments (Oct 27, 2026)
- Fabrick: Payment Facilitator workflow and onboarding (Oct 27, 2026)
- Fabrick: Pay by Bank and regional partner access (Oct 27, 2026)
- Fabrick: UK Payment Facilitator information sheet, version10 (Oct 27, 2026)
- Fabrick: Dashboard access (Oct 27, 2026)
- Fabrick: Developer documentation (Oct 27, 2026)
- Fabrick: Regional transparency information (Oct 27, 2026)
