The infrastructure layer for autonomous commerce. One API for ISVs, acquirers, payfacs, and enterprises to accept every payment. In-store, online, in-app, and agentic. Platform as a Service, built from scratch for what comes next.
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Trusted by these (and more)
One integration. Every channel. The same unified payment application runs across EMV terminals and SoftPOS devices. Consistent experience, faster certification, one codebase. From a card tap at the counter to an AI agent closing a sale.
Smart Android terminals with touchscreens, printers, and keypads. Just unbox and start accepting payments. Pair with a code or scan a QR. Configured and managed remotely through the API.
Payment Page, Self-Hosted SDK, or Merchant-Initiated Transactions. Cards, Swish, Klarna, Apple Pay, Google Pay. All through one integration.
Accept contactless payments on any Android phone, iPhone, or tablet. No extra hardware. The same payment application that runs on EMV terminals runs on SoftPOS. Consistent checkout, simplified certification.
Vending, EV charging, parking, transit. Compact, secure, API-ready devices that integrate into existing systems and run without staff.
AI agents and autonomous systems can create orders, trigger payments, and handle the full transaction lifecycle through the same API humans use.
Our current record? 5 hours from signup to live terminal.
Most payment platforms take months to set up. Surfboard was built to move at the speed of software. Instant sandbox access, a single API integration, and merchant onboarding that takes minutes, not quarters.
Instant Sandbox
Sign up and get immediate access to a full sandbox environment. Test every API endpoint and payment flow.
Minutes
Integrate
Use our SDKs, hosted pages, or server-to-server APIs. One integration covers every channel.
Hours
Onboard Merchants
Configure stores, terminals, and merchant accounts through the API or dashboard. No paperwork loops.
Same day
Go Live
Switch to production and start processing real transactions. Our current record is 5 hours from signup to live.
5h record
Sign up and get immediate access to a full sandbox environment. Test every API endpoint and payment flow.
Minutes
Use our SDKs, hosted pages, or server-to-server APIs. One integration covers every channel.
Hours
Configure stores, terminals, and merchant accounts through the API or dashboard. No paperwork loops.
Same day
Switch to production and start processing real transactions. Our current record is 5 hours from signup to live.
5h record
Built for Builders
Legacy processors were not built for developers or AI agents. We were.
Surfboard is acquiring-agnostic, multi-cloud, and completely API-first. Every part of the payment flow is programmable, open, and fast. Built for both human developers and autonomous systems.
Integrate once, and you get everything: merchant onboarding, terminals, SoftPOS, online checkout, tips, tokenization, analytics, all through the same API. Our developer resources are fully addressable by LLMs, so you can use ChatGPT, Claude, or any AI coding assistant to integrate at record speed.
// Create order and initiate payment in one call
{
"terminal$id": "8386af3b0f71b80b04",
"comments": "Test payment",
"customer": {
"person": { "name": { "firstName": "Jes", "lastName": "Priskus" }, "email": "jes@example.com" }
},
"orderLines": [ { "id": "ITEM123", "name": "Goal", "quantity": 3, "amount": { "total": 189100, "currency": "752" } } ],
"controlFunctions": {
"tipsMode": "ROUNDUP",
"delayCapture": true,
"delayPayout": "1d"
}
}
Every channel, every customer, every transaction, in one place.
Surfboard unifies in-store, online, and agentic payments under a single platform. One settlement report. One customer profile. One set of analytics. No stitching together three vendors to get a complete picture.
A true single-in platform for all lines of business: ISVs, ISOs, acquirers, payfacs, enterprise, and SMB, all on the same infrastructure.
In-Store
Terminals
Online
E-commerce
SoftPOS
Tap to Pay
Unattended
Self-service
Agentic
AI & Bots
In-App
Mobile SDKs
Every transaction is an opportunity to do more.
Surfboard gives you tools that go far beyond moving money. Tokenize cards in-store for repeat purchases. Configure tips at every level. Pre-authorize and capture later. Run promotions and gift cards. Manage product catalogs with AI. Get analytics that tell you what is actually happening.
In-Store Tokenization
PCI-compliant card storage
Save cards at the terminal for future merchant-initiated payments. No PCI scope on your side.
Tips Configuration
Built into the payment flow
Set preset percentages or custom amounts at the partner, merchant, store, or terminal level. Override at any tier.
Pre-Auth & Delay Capture
Flexible authorization windows
Authorize now, capture later. Partial captures, voids, and refunds, all through the API.
Multi-Merchant Terminals
Shared hardware, separate settlements
Share one physical terminal across multiple merchants. Each vendor settles to their own account.
Gift Cards
Fund-based or entitlement-based
Digital gift cards created and managed through the API. Fund-based or entitlement-based, redeemed across all channels.
Analytics & Settlements
Cross-channel intelligence
Transaction analytics, settlement reports, and merchant charges. One report for every channel.
Infrastructure That Never Goes Down
Industry-first PCI DSS 4.0 multi-cloud architecture.
Surfboard runs 9 active instances across Google Cloud, AWS, and Azure, three independent PCI-certified providers working in sync. If one cloud slows, traffic moves instantly. No manual failover. No downtime.
We were the first multi-cloud platform to achieve PCI DSS 4.0 certification. 99.99% uptime. Licensed under the Swedish Financial Supervisory Authority.
Supported Payment Methods
Here are the payment methods we support across our platform:
Ready to Power Payments in the AI Era?
See how Surfboard can be the payment infrastructure behind your software. Book a call, or spin up a sandbox and start building.
The Payments Infrastructure Behind Your Brand
Tell us about your business and how you want to accept payments. We will show you how Surfboard fits in.
Surfboard Payments in the Press
Surfboard Payments Now Offers Tap to Pay for Customers in Norway to Accept Contactless Payments
Dagens IndustriSurfboard Payments Now Offers Tap to Pay for Customers in Norway to Accept Contactless Payments
TradingViewApple Expands Tap to Pay on iPhone to Estonia, Latvia, and More
WebPro NewsSurfboard Payments Now Offers Tap to Pay for Customers in Finland to Accept Contactless Payments
Fintech FinanceSwedish startup partners with Apple to enable contactless payments
Arctic StartupTap to Pay on iPhone expands to more European countries
AppleSurfboard Payments offers Tap to Pay for Swedish customers
The PaypersSurfboard Payments Announces Partnership With Cardstream Group to Deliver Innovative Payment Solutions
Fintech FinanceSurfboard Payments partners with Cardstream Group
The PaypersSweden's Surfboard Payments expands into online payments
IBS IntelligenceSURFBOARD PAYMENTS AND WORLDLINE ENTER INTO A STRATEGIC PARTNERSHIP
Financial ITSurfboard Payments and Worldline Empower Businesses with Seamless Payments
Fintech FinanceSurfboard Payments partners with Worldline
The PaypersSurfboard Payments och Worldline ingår ett strategiskt partnerskap
IT-BranschenSurfboard Payments erhåller svensk licens som betalningsinstitut
Fintech TodaySurfboard Payments app delivers next-generation checkout experiences for merchants of any size
Google CloudSurfboard Payments expands into online payments
The PaypersSurfpay by Surfboard Payments
VISASurfboard Payments AB har beviljats en licens som betalningsinstitut från Finansinspektionen.
IT-FinansNu lanseras Surfpay One
IndustritorgetFestival food cart operator rolls out contactless payments acceptance on standard NFC phones
NFCWNy betallösning testas lokalt – Mariestadsbon Neal tror på global succé
MariestadstidningenLicensed. Regulated. Built for Complexity.
Operating under the Swedish Financial Supervisory Authority.
Surfboard delivers white-label payment infrastructure you can rely on. Whether in-person, online, or through autonomous agents. We handle the regulatory complexity so you can focus on building.
Under certain conditions, our architecture satisfies PCI B-IP requirements, reducing your PCI assessment from 250+ questions to roughly 45. Close to P2PE-level simplicity, without the cost.
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