# Surfboard Payments

> Surfboard Payments is a Swedish fintech company that provides a unified, API-first payment platform for independent software vendors (ISVs) and software companies. The platform enables in-store, online, and mobile payments through a single modern API. Licensed by the Finansinspektionen (Swedish Financial Supervisory Authority).

## Core Offering

Surfboard Payments provides white-label payment infrastructure for independent software vendors (ISVs) and software companies. The platform includes payment terminals, Tap to Pay (SoftPOS), online checkout, and value-added services like loyalty, tipping, digital receipts, and analytics, all unified under one API. Active in 12 European markets: Sweden, Denmark, Finland, Norway, UK, France, Ireland, Estonia, Latvia, Lithuania, Poland, Hungary.

## Key Facts

- **Founded:** 2019
- **Headquarters:** Stockholm, Sweden
- **Second Office:** Chennai, India
- **Employees:** ~50
- **Regulated by:** Finansinspektionen (Swedish Financial Supervisory Authority)
- **Markets:** Sweden, Denmark, Finland, Norway, UK, France, Ireland, Estonia, Latvia, Lithuania, Poland, Hungary
- **Certifications:** PCI DSS, PCI PTS, EMV Level 1 & 2
- **Infrastructure:** Multi-cloud (Google Cloud, AWS, Azure)
- **Uptime:** 99.99%
- **Setup Record:** 5 hours from signup to first live transaction
- **Website:** https://www.surfboardpayments.com

## Pricing

- **Model:** Custom pricing for software companies and ISVs. Contact sales for a tailored quote.
- **Approach:** Transparent pricing with zero hidden fees. Based on transaction volume and selected products/services.
- **Contact:** https://www.surfboardpayments.com/contact

## Products

### Payment Terminals (Pro / Current Generation)
- [SurfPrint Pro](/products/surfprint/pro): All-in-one handheld terminal with full touchscreen interface and built-in thermal printer.
  Specs: Display: 5.99-inch TFT LCD | Printer: High-speed thermal printer, 80mm/s, paper width: 58mm, roll diameter: 40mm | OS: Android 12 SurfOS | Dimensions: 201mm x 79.8mm x 62mm | Weight: 370g without battery
- [SurfPrint Pro K](/products/surfprint/pro-k): Handheld terminal with physical keypad, 4.5-inch capacitive display, and built-in printer.
  Specs: Display: 4.5-inch TFT LCD | Printer: High-speed thermal printer, 80mm/s, paper width: 58mm, roll diameter: 40mm | OS: Android 12 SurfOS | Dimensions: 187mm x 80.2mm x 63mm | Weight: 433g including battery
- [SurfTouch Pro](/products/surftouch/pro): High-performance mobile payment terminal with 5-inch display, next-gen processor, and all-day battery.
  Specs: Display: 5-inch TFT LCD | OS: Android 12 SurfOS | Dimensions: 150mm x 74mm x 18.8mm | Weight: 245g (3600mAh) / 270g (5300mAh)
- [SurfTouch Pro Retail](/products/surftouch/retail): Countertop-first terminal for fixed retail environments.
  Specs: Display: 5-inch TFT LCD | OS: Android 12 SurfOS | Dimensions: 150mm x 74mm x 22.65mm | Weight: 251g
- [SurfPad Pro](/products/surfpad/pro): High-performance countertop terminal with dedicated physical PIN pad, bright 5-inch display, and enterprise-grade security for large-scale retail and hospitality.
  Specs: Display: 5-inch IPS LCD | OS: Android 11 SurfOS | Dimensions: 166.7mm x 138mm x 42mm | Weight: 390g
- [SurfAlone](/products/surfalone): Compact, secure, API-ready payment terminal for self-service and unattended environments.
  Specs: Display: 5-inch | OS: Android 12 SurfOS | Dimensions: 151.5mm x 94mm x 51.4mm | Weight: 520.7g | IP: IK10, IP65 (water & dust proof)
- [SurfXpress](/products/surfxpress): 22-inch Android tablet running SoftPOS for the ultimate self-service experience with no extra hardware needed.
  Specs: Display: 22-inch FHD | OS: Android 12 with GMS | Dimensions: 528.3mm x 323.5mm x 42.2mm | Weight: 5.2kg including power supply
- [SurfPrint Go](/products/surfprint/go): SoftPOS-based handheld terminal that is compact and durable with a built-in printer.
  Specs: Display: 6.5-inch | Printer: High-speed thermal printer, up to 100mm/s, paper width: 58mm, roll diameter: 50mm | OS: Android 13, 64-bit | Dimensions: 84.3mm x 240.6mm x 59.6mm | Weight: 450g
- [SurfMini](/products/surfmini): The ultra-slim miniPOS for effortless payments.
  Specs: Display: 4-inch IPS LCD | OS: Android 14 SurfOS | Dimensions: 94.4mm x 83mm x 16.5mm | Weight: 143g including battery

### Payment Terminals (First Generation)
- [SurfPrint](/products/surfprint): First generation handheld smart terminal device with a built-in printer for countertop and the floor.
  Specs: Display: 5.4-inch capacitive | Printer: Direct line thermal, 203x203 dpi, print width: 48mm (384 dots), paper width: 58mm, roll diameter: 40mm, speed: 12 lines/sec | Dimensions: 82mm x 206mm x 61mm | Weight: 506g
- [SurfTouch](/products/surftouch): First generation smart terminal device with or without a scanner for the countertop and the floor.
  Specs: Display: 5-inch capacitive | Dimensions: 144mm x 77mm x 16mm | Weight: 208g
- [SurfPad](/products/surfpad): First generation traditional card terminal built on the Surfboard API.
  Specs: Display: 320x240 touchscreen | Dimensions: 71mm x 133mm x 19mm | Weight: 180g

### Tap to Pay (SoftPOS)
- [Tap to Pay on iPhone](/products/tap-to-pay-on-iphone): Accept all types of in-person contactless payments on iPhone, from physical debit and credit cards to Apple Pay and other digital wallets. (Sweden, Denmark, Finland, Norway, UK, France)
- [CheckoutX (Tap to Pay on Android)](/products/checkoutx): Accept all types of in-person contactless payments on Android devices, from physical debit and credit cards to digital wallets.

### Online Payments
- [Online Checkout](/products/online): Embed seamless, secure, multi-method payments into your product.. Supports Visa, Mastercard, Amex, Apple Pay, Google Pay, Pay by Bank, BNPL, Dankort, Vipps.

### Accessories (Fins)
- [FinPrinter](/products/fins/finprinter): External receipt printer
- [Hub](/products/fins/hub): Connectivity hub for terminals
- [SurfPrint Pro Multicomm Base](/products/fins/surfprint-base): Combined charging base and network hub for SurfPrint Pro
- [SurfPrint Pro Charging Base](/products/fins/surfprint-charger): Charging base for SurfPrint Pro
- [SurfPrint Pro K Multicomm Base](/products/fins/surfprint-pro-k-base): Combined charging base and network hub for SurfPrint Pro K
- [SurfTouch Pro Charging Base](/products/fins/surftouch-charger): Charging base for SurfTouch Pro
- [SpacePole MultiGrip](/products/fins/spacepole-multigrip): Universal payment terminal holder with individual grips for each terminal model
- [SpacePole Mounting Pole](/products/fins/spacepole-mounting-pole): Steel mounting pole for secure payment terminal placement
- [SpacePole DuraTilt](/products/fins/spacepole-duratilt): Tilt-and-swivel counter mount for payment terminals
- [Halfmoon Floor Stand](/products/fins/spacepole-halfmoon-floor-stand): Freestanding floor stand for payment terminals

## Platform Capabilities

- [Platform Overview](/platform): Modular, AI-powered payments platform
- [Unified Commerce](/platform/unified-commerce): Single API for in-store, online, SoftPOS, and unattended payments with shared customer data across every channel.
- [Billing API](/platform/billing): Build custom pricing models for your merchants, usage-based charges, IC++ pricing, and automated invoicing.
- [Customer API](/platform/customers): Unified customer profiles across all channels with saved payment methods, purchase history, and recognition.
- [Webhooks](/platform/webhooks): Event-driven payment flows with instant notifications, automatic retries, delivery signatures, and full context.
- [Offline Payments](/platform/offline-payments): Keep terminals processing when networks fail, with automatic sync, secure storage, and configurable risk controls.
- [Identification](/platform/identification): Turn any card tap into a real-time identity signal, customer recognition without processing a payment or an app.
- [Invoice](/platform/invoice): Accept B2C and B2B invoice payments through the same API, email or e-invoice distribution, reminders, debt collection.
- [AI API](/platform/ai): Generate branded merchant experiences and enhanced product imagery on demand, a website URL becomes a full theme.
- [Gift Cards API](/platform/gift-cards): Issue, distribute, and redeem monetary and entitlement gift cards through the same API you use for payments.
- [Logistics API](/platform/logistics): Order, ship, track, return, and replace terminals via API, built for partners scaling hardware to thousands of merchants.
- [Reporting API](/platform/reporting): Pull daily or monthly settlement reports per merchant and reconcile fees, refunds, payouts, and partner revenue share.
- [Adjustments](/platform/adjustments): Audit and reconcile every tip, surcharge, insurance fee, and transaction add-on through one endpoint.
- [Multi-merchant](/platform/multi-merchant): Run one terminal fleet across many merchants, multi-merchant groups for food courts, festivals, and shared retail.
- [NFC Reading](/platform/nfc-reading): Use any Surfboard terminal as an NFC tag reader for wristbands, badges, asset tags, and event ecosystems.
- [Notifications](/platform/notifications): Push scheduled reports and event summaries to SFTP, Slack, or email, without polling.
- [Receipts](/platform/receipts): Generate receipts in every format, email, hosted link, thermal print, or custom ESC/POS layouts, with branded delivery.
- [Tips](/platform/tips): Configure tipping presets, custom amounts, and display formats at merchant, store, or terminal level.
- [Tokenization](/platform/tokenization): Network-level tokenization for secure card storage, one token works across online, in-store, and recurring payments.
- [White Label](/platform/white-label): Theme every customer-facing Surfboard surface to match your brand across partner, merchant, store, and terminal levels.

## Solutions by Industry

- [Solutions Overview](/solutions)
- [Food & Beverage](/solutions/food-and-beverage): Fast, flexible payments for restaurants, cafes, and bars, counter, table-side, and QR ordering with tipping and split bills built in.
- [Healthcare](/solutions/healthcare): Payment solutions for clinics, veterinary, and dental practices and journal systems, multi-merchant terminals and white-label options.
- [Hospitality](/solutions/hospitality): Pre-auth, delayed capture, recurring billing, tap-to-identify check-in, and multi-property branding, the payment primitives hospitality operators need, on one API.
- [Retail](/solutions/retail): Multi-channel retail payments on one API, in-store, online, mobile, and self-checkout, with gift cards, identification-based loyalty, and fleet management at scale.
- [Ticketing](/solutions/ticketing): Ticketing payments for events and public transport, NFC and QR ticketing with omni-channel flexibility.
- [Unattended / Self-Service](/solutions/unattended): Purpose-built payments for unattended environments, EV charging, vending, parking, and kiosks, with 24/7 operation, offline resilience, and remote management.
- [Wellness](/solutions/wellness): Payment solutions for wellness businesses, white-labeled terminals, digital receipts, and services tailored to the wellness industry.

## Solutions by Audience

- [For Acquirers and Banks](/solutions/for-acquirers-and-banks): Modernize merchant-facing experiences without replacing core processing, acquirer-agnostic, PCI DSS 4.0 multi-cloud certified, and fully white-label.
- [For Enterprise Merchants](/solutions/for-enterprise-merchants): Unified commerce, cascading configuration, cross-channel reporting, and offline resilience for chains and multi-location operators at scale.
- [For ISVs](/solutions/for-isvs): Add payments to vertical SaaS, POS, booking, or marketplace products, white-label by default and monetized through the Billing API.
- [For Marketplaces](/solutions/for-marketplaces): Multi-vendor payment infrastructure for marketplaces, food halls, and festivals, per-vendor settlement, branding, and reporting via the Multi-Merchant API.
- [For PayFacs and PSPs](/solutions/for-payfacs-and-psps): Programmatic onboarding, multi-merchant routing, and per-merchant pricing for payment facilitators and PSPs running aggregation at scale.
- [For Small Businesses](/solutions/for-small-businesses): Surfpay POS, the productized payment solution built on Surfboard infrastructure for SMBs who want to accept payments without integrating an API.

## Payment Methods

Payment methods are enabled per merchant, store, or terminal through the Partner Portal (partners), the Merchant Portal (merchants), or the Payment Methods API (developers). All three paths hit the same backend; Surfboard handles scheme registration. Methods are only available in markets where Surfboard accepts merchants.

- [All Payment Methods](/payment-methods)

### Global card schemes
- [Mastercard](/payment-methods/mastercard): The global card scheme accepted in 210+ countries
- [Visa](/payment-methods/visa): The world's largest card scheme
- [American Express](/payment-methods/american-express): Premium card scheme with affluent and corporate buyers
- [Discover](/payment-methods/discover): North American card scheme with growing global acceptance

### Local card schemes
- [Dankort](/payment-methods/dankort): Denmark's national debit card scheme
- [BankAxept](/payment-methods/bankaxept): Norway's national debit card scheme

### Mobile wallets
- [Apple Pay](/payment-methods/apple-pay): Tokenized contactless payments on iPhone and Apple Watch
- [Google Pay](/payment-methods/google-pay): Tokenized contactless payments on Android devices

### Account-to-account
- [Swish](/payment-methods/swish): Sweden's mobile payment standard
- [Vipps](/payment-methods/vipps): Norway's mobile payment standard, now part of Vipps MobilePay
- [MobilePay](/payment-methods/mobilepay): Denmark's and Finland's mobile payment standard
- [Pay by Bank](/payment-methods/pay-by-bank): Direct bank-to-bank payments via open banking

### BNPL & invoice
- [Klarna](/payment-methods/klarna): Pay later, pay in 3, or pay over time
- [Svea](/payment-methods/svea): Nordic invoice and BNPL specialist with strong B2B coverage
- [B2B Invoice](/payment-methods/b2b-invoice): Net 30 / Net 60 invoicing for business buyers

### Meal & wellness benefits
- [Epassi](/payment-methods/epassi): Finland's leading employee benefit payment platform

## Developer Guides

- [Tap to Pay on iPhone SDK](/developers/guides/tap-to-pay-iphone): Accept contactless payments directly on iPhone. Complete integration guide for Surfboard's iOS SoftPOS SDK -- from setup to production.
- [Android SoftPOS SDK](/developers/guides/android-softpos-sdk): Turn Android devices into payment terminals with the Surfboard Android SoftPOS SDK. Complete integration guide from setup to production.
- [CheckoutX SoftPOS](/developers/guides/checkoutx-softpos): Accept in-person payments on smartphones and tablets by pairing the CheckoutX app with your own POS app, a dual-app setup that requires no SDK integration.
- [EMV Terminal Integration](/developers/guides/emv-terminal-integration): Integrate traditional card-present terminals through Surfboard's unified API. From account setup to live payments in one guide.
- [Payment Page](/developers/guides/payment-page): Redirect customers to a Surfboard-hosted checkout page. The fastest way to accept online payments with minimal integration effort.
- [Inter-App Integration](/developers/guides/interapp-integration): Integrate your POS app with CheckoutX using native app switch. Register terminals, process payments, and scan NFC tags through a bi-directional deep link flow.
- [Self-Hosted Checkout](/developers/guides/self-hosted-checkout): Embed a payment form directly in your web app with the Surfboard Online SDK. Full UI control with Surfboard handling PCI compliance.
- [Server-to-Server API](/developers/guides/server-to-server-api): Process online payments entirely from your backend with Merchant Initiated Transactions. Full control over recurring payments, subscriptions, and tokenized card flows.
- [Create an Order](/developers/guides/create-an-order): Learn how to create orders with line items, tax, customer details, and control functions. The starting point for accepting payments with the Surfboard API.
- [Merchant Onboarding](/developers/guides/merchant-onboarding): Set up merchants and stores on the Surfboard platform. Walk through the full onboarding flow from merchant creation to KYB completion and store setup.
- [Device Registration](/developers/guides/device-registration): Register a terminal to a store before it can take payments or receive a partner POS app. Covers rotating codes, QR/registration links, pre-shipped codes, and in-app registration for SoftPOS.
- [Payment Lifecycle](/developers/guides/payment-lifecycle): Manage the full payment lifecycle from order creation through capture, void, cancel, and refund operations using the Surfboard Payments API.
- [Capture a Payment](/developers/guides/capture-a-payment): Finalize a previously authorized payment by capturing funds. Covers delay capture and pre-authorization flows with step-by-step API examples.
- [Terminal & Device Management](/developers/guides/terminal-device-management): Manage payment terminals and devices via the Surfboard API. Register in-store and online terminals, configure settings, and handle device operations.
- [Cancel a Payment](/developers/guides/cancel-a-payment): Stop an in-progress payment before it completes. Use cancellation when a customer abandons checkout or a payment needs to be halted mid-process.
- [Webhooks](/developers/guides/webhooks-notifications): Receive real-time event notifications via webhooks. Subscribe to order, payment, logistics, and merchant application events with automatic retries and signature verification.
- [Notification Subscriptions](/developers/guides/notification-subscriptions): Subscribe to persistent, account-level event notifications delivered via email, Slack, or SFTP. Receive settlement reports and operational alerts for merchants and partners.
- [Recurring Payments](/developers/guides/recurring-payments): Implement subscription billing and recurring charges using tokenization, recurring payment configuration, and Merchant Initiated Transactions.
- [Void a Payment](/developers/guides/void-a-payment): Reverse a completed payment before settlement. Voiding stops funds from transferring to the merchant's account, avoiding incorrect transactions.
- [Receipts](/developers/guides/receipts): Generate, email, print, and customise receipts for in-store transactions using the Surfboard Receipts API.
- [Refund an Order](/developers/guides/refund-an-order): Process a full refund by creating a return order with negative quantities. Covers the complete refund flow with API examples and payment method requirements.
- [Partial Refund](/developers/guides/partial-refund): Refund specific items or a reduced amount from a completed order. Process partial returns by creating a return order with only the items to be refunded.
- [Tips Configuration](/developers/guides/tips-configuration): Configure tipping on Surfboard payment terminals at the merchant, store, or terminal level using a hierarchical override model.
- [ESC/POS Printing](/developers/guides/escpos-printing): Send custom ESC/POS receipts to any Surfboard terminal using the UTF-8 contract: opt in with one field, get validated payloads and consistent output across current and legacy hardware.
- [NFC Tag Reading](/developers/guides/nfc-tag-reading): Use the NFC Reading API to create tag-reading sessions on payment terminals, scan NFC/RFID-tagged products, and retrieve scanned tag data.
- [Partial Payments](/developers/guides/partial-payments): Split an order across multiple payment methods or transactions. Accept card, cash, and Swish in any combination to settle a single order.
- [Multi-Merchant Terminals](/developers/guides/multi-merchant-terminals): Set up shared payment terminals for multiple merchants using the Multi-Merchant Group API. Ideal for food courts, events, and co-located businesses.
- [Store Management](/developers/guides/store-management): Create, update, verify, and manage in-store and online stores using the Surfboard Payments Store APIs.
- [Gift Cards & Promotions](/developers/guides/gift-cards-promotions): Issue and manage gift cards, track transactions, and create marketing promotions using the Surfboard Payments APIs.
- [Product Catalog](/developers/guides/product-catalog): Create and manage product catalogs, products, variants, inventory levels, and analytics through the Catalog API.
- [Settlements & Reporting](/developers/guides/settlements-reporting): Retrieve settlement reports, view adjustments, manage merchant charges, and register customer profiles for reconciliation and billing.
- [Account & Service Provider Management](/developers/guides/account-management): Create merchant and partner accounts, manage user roles, register service providers, and configure external notifications via the Surfboard API.
- [Payment Methods](/developers/guides/payment-methods): Activate, deactivate, and list payment methods for a merchant. Manage card, Swish, Klarna, AMEX, Vipps, MobilePay, and more via the API or Partner Portal.
- [Client Auth Tokens](/developers/guides/client-auth-tokens): Generate client-side authentication tokens for secure API access from browsers and mobile apps without exposing your API key or secret.
- [Partner Branding](/developers/guides/partner-branding): Configure white-label branding for terminals and payment pages. Set colors, fonts, logos, and cover images at the partner level via API or Partner Portal.
- [Create Order Error Codes](/developers/guides/create-order-error-codes): Reference of error codes returned by the create order and initiate payment flows, with notes on when each is thrown and how to handle it.
- [Online Payment Link](/developers/guides/online-payment-link): Take a payment on the web without a checkout page of your own. Create an online store, verify its domains, create an order against the PaymentPage terminal it comes with, and send the customer the link it returns.
- [Customer Identification on Card Tap](/developers/guides/customer-identification): Recognise a returning customer from the card they tap, before the payment runs. Apply their discount, points or price list to the open order, then take the money.
- [Tokens](/developers/guides/tokens): Turn a card used once into a card you can charge again. Enable tokenization on an order, fetch the token it produced, and store it for subscriptions, repeat purchases and refunds.
- [Order and Return Terminals](/developers/guides/terminal-logistics): Get hardware to your merchants and back again. Order terminals during onboarding or later, track the shipment by webhook, and raise a return when a device is no longer needed.
- [Transactions and Reports](/developers/guides/transactions-and-reports): Retrieve, filter and search transactions, and read a monthly report the way finance does. Covers why net sales and payout never match and how to reconcile a period end to end.
- [AI Product Images and Branding](/developers/guides/ai-merchandising): Turn a phone photo into a usable product image and a website into a branded portal. Two endpoints that remove the design work from onboarding a merchant.
- [POS Templates](/developers/guides/pos-templates): Decide what the till shows and in what order. Lay out product categories, payment methods and terminals per store, and switch layouts automatically by time of day.
- [API Conventions](/developers/guides/api-conventions): The rules that hold across every Surfboard endpoint: authentication, the response envelope, amounts and currencies, identifiers, dates, pagination and environments.
- [B2B Invoices](/developers/guides/b2b-invoices): Bill a business buyer on payment terms instead of charging a card. Create an order paid with B2BINV, distribute the invoice as an e-invoice or by email, and credit it when the goods come back.

## Partner Portal Guides

- [Dashboard Overview](/partner-portal/dashboard-overview): Your central hub for monitoring business performance across all merchants. Track total volume, applications, transactions, and sales trends at a glance.
- [Applications & Merchant Onboarding](/partner-portal/applications): Create and track merchant onboarding applications. Submit new applications, monitor KYB status, and manage signing links for your merchant portfolio.
- [Merchant Management](/partner-portal/merchant-management): Browse, search, and manage your merchant accounts. Access detailed merchant profiles including transactions, stores, terminals, payment methods, and more.
- [Service Providers](/partner-portal/service-providers): Onboard and manage service providers who work with your merchants. Create service provider applications and link them to merchant accounts.
- [Terminal Management](/partner-portal/terminals): Look up terminal information, manage device configurations, register new terminals, and push software updates across your merchant portfolio.
- [Cash Registers (ECR)](/partner-portal/cash-registers): Add and declare cash registers for your merchants, view register and control-unit details, check transactions and reports, and run daily open, close, and end-of-day operations from the partner portal.
- [Shipments & Returns](/partner-portal/shipments-and-returns): Order payment hardware, track deliveries, and manage device returns. Handle the full logistics lifecycle for terminal hardware.
- [Branding & Customization](/partner-portal/branding): Customize how your brand appears to merchants and customers. Configure colors, fonts, logos, and button styles for a white-label experience.
- [Billing Plans](/partner-portal/billing-plans): Create and manage billing plans for your merchants. Define pricing per payment method and assign plans to merchants for automated billing.
- [Integrations & Software](/partner-portal/integrations): Manage software applications for your merchants and terminals. Push signed software packages from the Developer Portal to your merchant fleet.
- [Settings & Notifications](/partner-portal/settings): Manage your account security, invite team members, and configure email and Slack notifications for key partner events.
- [Transactions & Reporting](/partner-portal/transactions-and-reporting): Search, filter, and export transactions across your merchant portfolio. Drill into individual transactions and download CSV reports.
- [Payment Methods](/partner-portal/payment-methods): Enable and disable payment methods for your merchants. Manage core methods, activate additional payment options like Klarna, Swish, and Vipps.
- [Support Tickets](/partner-portal/tickets): Raise, track, and respond to support requests with the Surfboard team directly from the Partner Portal. Manage ticket statuses, priorities, replies, and notifications.

## Merchant Portal Guides

- [Dashboard Overview](/merchant-portal/dashboard-overview): Your central hub for monitoring your business in real time. See monthly sales, latest transactions, currency breakdowns, and quarterly trends at a glance.
- [Get Started Wizard](/merchant-portal/get-started-wizard): An AI-guided onboarding flow that helps new merchants set up their business, brand, hardware, and first payment in minutes.
- [Sales](/merchant-portal/sales): Browse, search, and filter every transaction. Drill into individual sales for full payment, terminal, and customer details.
- [Reports](/merchant-portal/reports): Generate and download settlement reports, daily, monthly, or per cash register, with sales, returns, fees, and payout totals.
- [Stores](/merchant-portal/stores): Create and manage every physical, online, and omnichannel store in your business. Each store is its own configuration unit for terminals, products, branding, and payments.
- [Terminals](/merchant-portal/terminals): Register, monitor, and manage every payment terminal in your fleet, from SurfTouch Pro and SurfPad to Tap to Pay on iPhone and online checkouts.
- [Products & Catalog](/merchant-portal/products): Build a product catalogue per store. Add items manually, import from CSV, or scan a printed menu with AI to populate everything in one go.
- [Payment Links](/merchant-portal/payment-links): Generate hosted checkout links to take card payments without a terminal, share over email, SMS, chat, invoice, or QR code.
- [Campaigns](/merchant-portal/campaigns): Run promotional campaigns directly on your terminal screens, generated by AI from a simple prompt or built manually with your own copy and image.
- [Gift Cards](/merchant-portal/gift-cards): Issue, track, and redeem branded gift cards. Manage entitlements, view balances, and follow every transaction tied to each card.
- [Order Hardware](/merchant-portal/order-hardware): Browse and order new terminals, printers, and accessories directly from the portal. Cart, checkout, and shipping all handled in one place.
- [Settings](/merchant-portal/settings): Manage your merchant profile, team members, branding, notifications, billing, and security in one place.
- [User Levels](/merchant-portal/user-levels): Understand the two team roles in the Merchant Portal -- Admin and User -- and exactly what each one can and can't do.

## Developer Resources

- [Developers Hub](/developers): Integration guides, API tools, and SDK documentation
- [Developer Portal](https://developers.surfboardpayments.com)
- [API Documentation](https://developers.surfboardpayments.com/home)
- [Migration Guide](/developers/migration-guide)
- [Terminal Security Guide](/terminal-security): How to receive, install, inspect, and maintain Surfboard payment terminals securely (P2PE)

## Changelog

- [All Releases](/docs/changelog): Product updates, new features, and improvements
- [Carbon Platform v2026.3.1](/docs/changelog/carbon-platform-v2026-3-1): Gift Cards v1.0 with full lifecycle management, Promotions v1.0 with campaign rules and cross-channel tracking, and Split Payments v1.0 for multi-method transaction splitting on in-store terminals. (2026-03-24)
- [Carbon Online SDK v1.0](/docs/changelog/carbon-online-sdk-v1-0): Generally available embeddable JavaScript SDK for online payment acceptance with PCI-compliant payment forms, multi-basket checkout support, and domain-based authentication. (2026-03-17)
- [CheckoutX v5.0.4 (Build 521)](/docs/changelog/checkoutx-v5-0-4): Optional physical keyboard support, enhanced inter-app communication protocols, and critical security integrity checks for production environments. (2026-02-11)

## Company

- [About Us](/about)
- [Contact](/contact)
- [Knowledge Hub](/knowledge-hub): 85+ articles on payments, technology, and company news
- [Press Kit](/presskit): Brand guidelines, logo downloads, product image kits, and press boilerplate
- [Service Level Agreement (SLA)](/sla): Uptime commitments and service levels for Surfboard Payments services

## AI-Optimized Endpoints

- [Site Overview JSON](/api/ai/site-overview.json)
- [Products JSON](/api/ai/products.json)
- [Platform Capabilities JSON](/api/ai/platform.json)
- [Solutions JSON](/api/ai/solutions.json)
- [Payment Methods JSON](/api/ai/payment-methods.json)
- [Knowledge Hub JSON](/api/ai/knowledge-hub.json)
- [Developer Guides JSON](/api/ai/guides.json)
- [Partner Portal Guides JSON](/api/ai/partner-portal.json)
- [Merchant Portal Guides JSON](/api/ai/merchant-portal.json)
- [API Reference JSON](/api/ai/docs.json)
- [Changelog JSON](/api/ai/changelog.json)
- [Company JSON](/api/ai/company.json)
- [Brand Guidelines JSON](/api/ai/brand.json): Logo files and rules, colour palette, typography, naming, voice, and imagery rules
- [Brand Guidelines Markdown](/brand.md): The same guidelines as one document
- [Download Kits Index](/api/kit/index.json): Logo and product image kits, each with a JSON manifest and a zip
- [Full Content Dump](/llms-full.txt)

## Contact

- **Email:** Contact via https://www.surfboardpayments.com/contact
- **Offices:** Stockholm (Barnhusgatan 4) and Chennai, India
- **Social:** @surfboardpay