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Partner Success Story: Payfacto
Partner Success Story: PayFacto
How PayFacto Scaled Faster and Smarter with PAX Technology
At PAXCON 2025, one of the standout sessions came from PayFacto’s Chief Product Officer, Karen Cox, who joined PAX Technology VP of Major Accounts – Canada, Arcy (Arcelia) Stevens, on stage for an in‑depth conversation about partnership, innovation, and high‑pressure payments modernization. What unfolded was a candid, behind‑the‑scenes look at how PayFacto successfully migrated more than 25,000 devices in just 10 weeks—an almost unheard‑of timeline in the payments industry—and how the company continues using PAX hardware and software to drive growth in restaurant and hospitality verticals across North America and beyond.
On stage, Arcy Stevens sat down with Karen Cox to share how the two companies partnered during one of the most demanding technology transformations in PayFacto’s history—and emerged stronger, faster, and ready for the future.
A Payments Leader with a Unique Model
PayFacto is no ordinary payments company. Based in Montreal, PayFacto offers full acquiring and payments with its own proprietary technology, while also operating as an Independent Software Vendor (ISV).
“We’re unique in that we offer full acquiring and payments with our own technology while also acting as our own ISV,” said Cox. “We’ve brought together a strong portfolio of restaurant software and field service companies to serve the restaurant market across Canada and Quebec, as well as the UK and the U.S.”
Through our portfolio of restaurant software and field service companies, we deliver tailored solutions primarily across Canada and Quebec, but also in the UK and U.S.”
The Challenge: A Massive Migration on a Tight Timeline
Like many long-standing payments providers, PayFacto faced a reality the industry knows well: technology reaches end-of-life. When PayFacto received notice that its existing payments technology would be sunset, the clock started ticking.
The challenge was enormous:
- · Replace technology from the ground up
- · Design, build, certify, and deploy a new platform
- · Support mobile, unattended, and attended environments
- · Migrate 25,000 terminals
- · Complete everything within 12 months
“There was a literal cliff at the end,” said Cox. “Where merchants would stop processing.”
Why PayFacto Chose PAX
With an aging terminal fleet and a critical timeline, PayFacto needed more than hardware—they needed a true technology partner.
PAX stood out for several reasons:
- · Common kernel architecture, allowing PayFacto to develop once and deploy across devices
- · Robust developer tools for building custom payment applications
- · Support for partner and ISV applications
- · A proven ecosystem for remote application and software management
Just as important as the technology was the support.
“We stress-tested everything PAX talks about,” Cox noted. “And it worked.”
Executing at Scale with PAXSTORE
A key enabler of PayFacto’s success was PAXSTORE, PAX’s application and device management platform.
Within a 10-week window, PayFacto successfully pushed new software to more than 25,000 terminals without disrupting merchants’ day-to-day operations.
“The hardware was already in place months before,” Cox explained. “Our customers went to bed processing on one platform and woke up the next morning live on a completely new one.”
Behind the scenes, the PAX team provided hands-on support, including late-night emergency releases and rapid approvals, ensuring PayFacto could meet every milestone.
What’s in Market Today, and What’s Next
Today, PayFacto leverages a broad range of PAX Android devices across its restaurant and hospitality footprint, including:
This unified platform enables PayFacto to deploy solutions across full-service restaurants, QSRs, kiosks, mobile delivery, and online ordering—all while maintaining a consistent development approach.
Looking ahead, PayFacto is already preparing for the next generation of innovation, including:
- · Transitioning to next-gen PAX devices such as A920Pro PCI 7 and Elys Solution
- · Exploring mobile solutions like the A6650 and A6630
- · Launching a next-generation cloud POS for hospitality, aligned with PAX’s workstation and tablet ecosystem
Success Driven by Demanding Customers
One of PayFacto’s most powerful success stories comes from its most demanding customers: large restaurant chains in Quebec that use every possible deployment model from kiosks to mobile and countertop solutions.
“They really stress-test our solutions,” Cox shared. “They drive us to be better.”
With PAX hardware and PayFacto software working together, these merchants are now actively partnering with PayFacto to bring next-generation POS and payment solutions to market, driving innovation on both sides.
A Partnership Built for What’s Next
For PayFacto, the partnership with PAX wasn’t just about surviving a migration—it was about building a foundation for the future.
“Relatively speaking, the success of that transition was largely due to our partnership with PAX,” said Cox.
As the session wrapped up, Stevens summed it up best: “I cannot wait to hear more success stories at our next PAXCON.”
With PayFacto and PAX continuing to innovate together, there’s no doubt there will be many more to come.
About
Karen Cox
Karen Cox has dedicated over 25 years to the payments industry in North America. Her extensive experience spans product and engineering, solution integration, professional services, and P&L management across various verticals.
As PayFacto’s Chief Product Officer, Karen has an in-depth understanding of the payments landscape. She recognizes industry shifts, listens to customer needs, and identifies promising new technologies to incorporate into PayFacto’s offerings. Karen’s strength lies in seamlessly blending innovative solutions with existing processes while continuously enhancing the company’s product suite.
With a practical mindset, Karen develops strategies to drive profitable growth and improve the overall customer experience. Her product roadmaps ensure PayFacto remains competitive by delivering payment and POS solutions that meet the evolving needs of businesses.
Arcelia Stevens
Arcelia “Arcy” Stevens is a seasoned payments industry leader with more than three decades of experience driving growth across North America. She currently serves as Vice President of Major Accounts – Canada Sales at PAX Technology, where she builds strategic partnerships and accelerates digital payment adoption. Her career reflects a deep expertise in electronic payments, business development, and enterprise relationship management.
PayFacto
Headquartered in Montreal with operations in Canada, the United States, and the United Kingdom, PayFacto is a leader in payment solutions and hospitality technology. Recognized for its expertise, agility, and execution, PayFacto enables merchants of all shapes and sizes to take control of their electronic transactions. With its own proprietary payment gateway and SaaS point of sale technology, PayFacto offers a unique suite of integrated payment and POS solutions supported locally through its extensive network of hundreds of distributors and resellers. To learn more, visit www.payfacto.com.
PAX Technology
PAX Technology, Inc. is one of the largest providers of electronic payment solutions in the world, with over 110 million terminals in over 120 countries. As a leading global manufacturer of payment solutions, we are committed to delivering innovative, high-quality, and secure payment solutions to businesses, large and small, worldwide. To learn more, visit www.pax.us.