Code once. Accept everywhere.

Built for software companies to power every transaction. In-store, online, or in-app through one modern API.

{ For developers }

Imagine your brand offering payments. Just enter your website and watch some magic happen ✨

Trusted by these (and more)

🚀 Carbon

→ Billing, Onboarding, and Better Charges

November 4, 2025

→ Multi-Cloud for In-Person Payments

October 29, 2025

→ Surfboard Payments Rolls Out Tap to Pay on iPhone to Four More Countries

October 28, 2025

When payments work, no one notices.

Your merchants get paid. Their customers checkout. You scale quietly in the background. That’s the magic of Surfboard. The infrastructure that moves money for software-led businesses.

One Platform

Any acceptance type. Unified integration across all channels.

Single API, multiple solutions - streamline your payment infrastructure with one powerful platform.

Centralized Intelligence

All transactions, regardless of origin, flow into a centralized platform that powers actionable insights and advanced features like tokenization, loyalty triggers, and flexible payouts.

Certified

Licensed

Multi-Cloud Setup

Constant uptime across the three biggest cloud providers - built for those who need guarantees.

Alternative Payment Methods

One platform, one payout - supporting all major payment methods and local schemes.

White-Label Functionality

Brand it like you want - complete white-label capabilities across everything.

Supported Payment Methods

Here are the payment methods we support across our platform:

Built for Builders

Legacy processors weren’t built for developers. We were.

Surfboard is acquiring-agnostic, multi-cloud, and completely API-first — a platform where every part of the payment flow is programmable, open, and fast.

Integrate once, and you get everything: merchant onboarding, terminals, SoftPOS, loyalty, tips, payouts, analytics — all through the same API. No patchwork plugins. No support tickets to change a setting. Just infrastructure that works the way software should.

Go live in hours, not months. Scale across acquirers, devices, and markets without rewriting code. Because payments shouldn’t slow you down — they should run quietly in the background, while you build what matters.

✨ Instant sandbox access🧠 AI-powered dev tools🚀 5-hour record from signup to live terminal

Create a developer account

                        
// Create order and initiate payment in one call
{
	"terminal$id": "8386af3b0f71b80b04",
	"comments": "Test payment",
	"customer": {
		"person": { "name": { "firstName": "Jes", "lastName": "Priskus" }, "email": "jes.uspriskus@surfboardpayments.com", "phoneNumber": { "code": "46", "number": "701234567" } }
	},
	"billing": { ... },
	"shipping": { ... },
	"orderLines": [ { "id": "TERM123NAL", "name": "Goal", "quantity": 3, "amount": { "total": 189100, "currency": "752" } ... } ],
	"controlFunctions": {
		"serviceProviders": [{ ... }],
		"initiatePaymentsOptions": {
			"paymentMethod": "CARD",
			"paymentMethodParams": { ... },
			"serialSplitPaymentsMode": [],
    },
    "tipsMode": "ROUNDUP", // STANDARD | ROUNDUP | NONE
		"cardStatementDescriptor": "",
		"tapBeforeAmount":"",
		"delayCapture": true,
		"delayPayout": "1d",
		"callBackUrl": "https://developers.surfboardpayments.com/api/orders?lang=Node.js#Create-New-Order",
    ...
		"receipt": {...}, // promotionsToDisplay and more
		"online": {...}
	}
}

Beyond the Payments

Payments are just the beginning.

With Surfboard, every transaction becomes a moment to connect — to thank, reward, and re-engage. Loyalty. Tips. Wallet-based rewards. Analytics that tell a story instead of just reporting numbers.

All built right into the payment flow — no extra tools, no plug-ins, no downtime. Because commerce isn’t about transactions anymore — it’s about relationships. And we make those relationships happen, one tap at a time.

Ready to partner up?

Let's set up a call where we touch base on what we can do together!

Get in touch with us »

Infrastructure That Scales With You

We’ve seen what outages do to payments — so we built something that can’t go down.

Surfboard runs live across Google Cloud, AWS, and Azure, three independent PCI-certified providers that work in sync. If one cloud slows, traffic moves instantly to the next. No waiting. No downtime.

Multi-cloud doesn’t just mean backup — it means speed. By distributing transactions across regions and rerouting in real time, Surfboard processes payments faster, keeps terminals connected, and ensures every authorization gets through.

Every call is intelligently routed. Every instance monitored. You can even define your own routing logic via API.

🗞️ Surfboard Payments in the press

Surfboard Payments Now Offers Tap to Pay for Customers in Norway to Accept Contactless Payments

Dagens Industri

Surfboard Payments Now Offers Tap to Pay for Customers in Norway to Accept Contactless Payments

TradingView

Apple Expands Tap to Pay on iPhone to Estonia, Latvia, and More

WebPro News

Surfboard Payments Now Offers Tap to Pay for Customers in Finland to Accept Contactless Payments

Fintech Finance

Swedish startup partners with Apple to enable contactless payments

Arctic Startup

Tap to Pay on iPhone expands to more European countries

Apple

Surfboard Payments offers Tap to Pay for Swedish customers

The Paypers

Surfboard Payments Announces Partnership With Cardstream Group to Deliver Innovative Payment Solutions

Fintech Finance

Surfboard Payments partners with Cardstream Group

The Paypers

Sweden’s Surfboard Payments expands into online payments

IBS Intelligence

SURFBOARD PAYMENTS AND WORLDLINE ENTER INTO A STRATEGIC PARTNERSHIP

Financial IT

Surfboard Payments and Worldline Empower Businesses with Seamless Payments

Fintech Finance

Surfboard Payments partners with Worldline

The Paypers

Surfboard Payments och Worldline ingår ett strategiskt partnerskap

IT-Branschen

Surfboard Payments erhåller svensk licens som betalningsinstitut

Fintech Today

Surfboard Payments app delivers next-generation checkout experiences for merchants of any size

Google Cloud

Surfboard Payments expands into online payments

The Paypers

Surfpay by Surfboard Payments

VISA

Surfboard Payments AB har beviljats en licens som betalningsinstitut från Finansinspektionen.

IT-Finans

Nu lanseras Surfpay One

Industritorget

Festival food cart operator rolls out contactless payments acceptance on standard NFC phones

NFCW

Ny betallösning testas lokalt – Mariestadsbon Neal tror på global succé

Mariestadstidningen

Trusted to Solve Challenges

Operating under the stringent guidelines of the Swedish Financial Supervisory Authority, we offer payment solutions you can rely on for both security and efficiency. Our robust, white-label platform is designed to tackle the most complex payment needs, ensuring seamless transactions whether in-person or online. With Surfboard Payments, you can trust that your payment processes will run smoothly, backed by cutting-edge technology and a commitment to regulatory compliance. We handle the complexities of payment integration, so you can focus on growing your business with confidence. Let us take care of your payment challenges, providing peace of mind and a seamless experience for both you and your customers.