Platform as a Service
Every capability is one integration away.
There is no upgrade path here and nothing to bolt on later. Tips, tokenization, gift cards, invoicing, reporting and the rest are all reachable from the integration you have already written, most of them as a field on an order you were sending anyway.
Foundations
The parts every integration touches on day one. Accept a payment, know who paid, and get told when something happens.
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Unified Commerce
Single API for in-store, online, SoftPOS, and unattended payments with shared customer data across every channel.
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Customer API
Unified customer profiles across all channels with saved payment methods, purchase history, and recognition.
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Identification
Turn any card tap into a real-time identity signal, customer recognition without processing a payment or an app.
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Tokenization
Network-level tokenization for secure card storage, one token works across online, in-store, and recurring payments.
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Webhooks
Event-driven payment flows with instant notifications, automatic retries, delivery signatures, and full context.
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Notifications
Push scheduled reports and event summaries to SFTP, Slack, or email, without polling.
Money and operations
What happens after the authorisation. Pricing your merchants, invoicing them, reconciling the day, and correcting it when it goes sideways.
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Billing API
Build custom pricing models for your merchants, usage-based charges, IC++ pricing, and automated invoicing.
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Invoice
Accept B2C and B2B invoice payments through the same API, email or e-invoice distribution, reminders, debt collection.
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Reporting API
Pull daily or monthly settlement reports per merchant and reconcile fees, refunds, payouts, and partner revenue share.
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Adjustments
Audit and reconcile every tip, surcharge, insurance fee, and transaction add-on through one endpoint.
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Offline Payments
Keep terminals processing when networks fail, with automatic sync, secure storage, and configurable risk controls.
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Multi-merchant
Run one terminal fleet across many merchants, multi-merchant groups for food courts, festivals, and shared retail.
Commerce features
The things that turn a payment into a relationship. Each one is a switch on the same order, not a separate product to integrate.
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Tips
Configure tipping presets, custom amounts, and display formats at merchant, store, or terminal level.
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Gift Cards API
Issue, distribute, and redeem monetary and entitlement gift cards through the same API you use for payments.
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Receipts
Generate receipts in every format, email, hosted link, thermal print, or custom ESC/POS layouts, with branded delivery.
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NFC Reading
Use any Surfboard terminal as an NFC tag reader for wristbands, badges, asset tags, and event ecosystems.
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Logistics API
Order, ship, track, return, and replace terminals via API, built for partners scaling hardware to thousands of merchants.
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AI API
Generate branded merchant experiences and enhanced product imagery on demand, a website URL becomes a full theme.
The first multi-cloud platform to pass PCI DSS 4.0.
Every capability above runs on active instances across Google Cloud, AWS and Azure at the same time. Three independently certified providers, in sync. If one slows, traffic moves. No manual failover and no maintenance window.
- Google Cloud Active
- Amazon Web Services Active
- Microsoft Azure Active
Acquirer-agnostic throughout, so none of it is a one-way door. Move to another acquirer and you keep the integration, the hardware and the merchant configuration.
Talk through your setupBuild it yourself
Step-by-step developer guides for everything on this page.
Integrate traditional card-present terminals through Surfboard's unified API. From account setup to live payments in one guide.
Read guide Online · GuideLearn how to create orders with line items, tax, customer details, and control functions. The starting point for accepting payments with the Surfboard API.
Read guide Online · GuideReceive real-time event notifications via webhooks. Subscribe to order, payment, logistics, and merchant application events with automatic retries and signature verification.
Read guide Online · GuideManage the full payment lifecycle from order creation through capture, void, cancel, and refund operations using the Surfboard Payments API.
Read guide