The Payments Platform Built for What Comes Next
One platform for acquirers, ISVs, ISOs, payfacs, and enterprises to accept every payment, onboard merchants in minutes, and unlock services that go far beyond the transaction. Operate as Platform as a Service, a single framework for both SMB and enterprise.
Everything You Need. Nothing You Don't.
Surfboard replaces the patchwork of payment vendors with one platform. Here is what you get out of the box.
Multi-Channel Acceptance
One API, every channel
Accept payments in-store, online, in-app, through SoftPOS, and via unattended devices. One unified payment application runs across EMV terminals and SoftPOS, consistent checkout, faster certification.
Unified Commerce »Merchant Onboarding & KYB
Programmatic onboarding
Onboard merchants programmatically with built-in KYB checks. Our record is 5 hours from signup to a live terminal processing payments.
Onboarding flow »Terminal Management
Remote control
Register, configure, reboot, and monitor terminals remotely. Assign to stores, move between locations, update branding, all through the API or Partner Portal.
Logistics & terminal lifecycle »Payment Methods
Cards, wallets, and more
Cards, Swish, Klarna, Apple Pay, Google Pay, activate and deactivate payment methods per merchant, store, or terminal without code changes.
Invoice payments »Tokenization & Recurring
Secure card storage
Tokenize cards in-store or online for merchant-initiated transactions. Set up subscriptions with fixed or variable amounts across multiple frequencies.
Tokenization »Tips, Pre-Auth & Delay Capture
Flexible payment flows
Configure tip presets at any level. Pre-authorize payments and capture later. Partial captures and voids included.
Tips API »AI Generation
Built into the API
Generate complete branding themes from a website URL. Enhance product imagery — STANDARD cleanup or SCENE lifestyle rendering. AI as a first-class part of the payments stack, not a separate vendor.
AI API »Customer Management
Unified customer profiles
Store customer profiles, addresses, and saved cards. Build a unified view of every customer across all channels.
Customers API »Reporting & Analytics
Cross-channel intelligence
Transaction analytics, settlement reports, and merchant charge tracking. One report covering in-store, online, and every other channel.
Reporting »Webhooks & Notifications
Real-time and scheduled
Real-time webhooks for transactional events. Scheduled SFTP, Slack, and email delivery for finance feeds, statements, and reports.
Notifications »Full White-Label
Your brand, our infrastructure
Brand every touchpoint, terminals, receipts, payment pages, portals, at the partner, merchant, store, or terminal level. Your brand, our infrastructure.
White-Label »Multi-Cloud Infrastructure
99.99% uptime
9 active instances across Google Cloud, AWS, and Azure. Industry-first PCI DSS 4.0 multi-cloud certification. 99.99% uptime, not a target, a track record.
Carbon multi-cloud »More Platform Capabilities
Every API surface in the platform — composable, programmable, and built for partners running serious payment workloads.
Card-tap identity without a payment
FUND and ENTITLEMENT card infrastructure
Tag reading on every Surfboard terminal
Email, hosted, default print, and ESC/POS
Shared terminal fleets, independent settlement
Tip, surcharge, and add-on audit ledger
Real-time eventing for code
Accept payments without connectivity
B2C and B2B invoice payments
Surfboard vs Legacy Providers
See why forward-thinking businesses choose a modern platform over outdated systems.
Feature
Surfboard
Legacy Providers
Ready to Replace Your Payment Stack?
Our current setup record is 5 hours from start to first transaction. Book a call and we will show you how it works.