AI, Built Into the Payments API
Generate complete branding themes from a URL. Turn raw product photos into polished lifestyle imagery. Surfboard's AI API gives partners and merchants the generative building blocks they need — already wired into the payment infrastructure they're using.
Payments Infrastructure for the AI Era
Most payment APIs end at charge the card. Surfboard goes further — generative AI is part of the platform itself, available to every partner and merchant through the same API surface used to take payments. Branding, imagery, and merchant collateral, on demand.
Two endpoints, both production-ready. One turns a URL into a complete visual identity. The other turns any product image into clean, contextual, customer-ready output. Both return rich metadata so you can meter, audit, and bill usage as part of your own platform.
Why ship AI inside a payments API?
Because the workflows that need AI most — onboarding new merchants, white-labeling experiences, generating customer-facing surfaces — already live inside the payments API. Putting AI here means you don't have to stitch together a separate vendor for what is, fundamentally, the same job.
How It Works — 3 Steps
Generate branding from a URL
POST /ai/branding
{
"url": "https://example-company.com"
}
Enhance product imagery
POST /ai/enhance-image
{
"productName": "Wireless Bluetooth Headphones",
"url": "https://example.com/images/product-12345.jpg",
"mode": "SCENE"
}
Use the output anywhere
{
"status": "SUCCESS",
"data": {
"imageUrls": [
"https://cdn.surfboard.../enhanced-v1.jpg",
"https://cdn.surfboard.../enhanced-v2.jpg",
"https://cdn.surfboard.../enhanced-v3.jpg"
]
}
}
What you can build
Generative AI inside the payments stack unlocks workflows that were previously expensive or manual. Here's what becomes easy.
1. Instant Merchant Onboarding
A merchant signs up. You ask for their website URL and that's it — Surfboard generates a complete branding theme that powers their portal, payment pages, and receipts on day one.
- Brand color, accent color, background, footer color
- Font family suggestion (mono, serif, sans-serif)
- Shape language (rounded, square)
- Logo and icon URLs when found on the source
Removes the manual onboarding step where someone has to upload assets and configure colors. Onboarding goes from days to seconds.
2. White-Label at Partner Scale
For ISVs and partners managing thousands of sub-merchants, branding generation makes white-label viable at scale. Every new merchant gets their own visual identity automatically — no design ops, no manual review.
Perfect for:
- Partners onboarding hundreds of merchants per month
- Marketplaces with long-tail merchants
- Vertical SaaS providers offering payments
3. Product Image Cleanup
STANDARD mode takes a raw product photo and returns enhanced versions ready for receipts, customer-facing screens, hosted pages, and order confirmations. No DAM. No agency. No retouching pipeline.
- Three image variants per request
- Works from any publicly accessible URL
- Output as standard JPEG/PNG URLs
4. Lifestyle Imagery for Product Discovery
SCENE mode goes further — it renders the product in a contextual lifestyle setting. A pair of headphones photographed against a white background becomes a hero image of someone using them in a café.
Useful for:
- In-app product discovery surfaces
- Customer-facing kiosk and self-checkout screens
- Email receipts and re-engagement flows
- Marketing materials generated by your platform on behalf of merchants
5. Pair with Branding API for Full Theming
The output of /ai/branding is shaped to drop straight into the Branding API — apply the theme to a partner, merchant, store, or even an individual terminal.
Generate once, theme everywhere: payment pages, terminal lock screens, merchant portals, hosted checkout.
6. Token Metering Built In
Every AI response carries metadata about input tokens, output tokens, and output type — so you can meter, throttle, or pass through usage costs to merchants if your business model requires it.
Pairs naturally with the Charges API if you want to bill merchants per-AI-call as part of your platform's pricing model.
Two endpoints. Wide surface area.
Send a website URL. Receive a cohesive branding theme: brand color, accent color, background, footer, font type, shape language, and suggested logo/icon URLs.
Drops straight into the Branding API to theme partners, merchants, stores, terminals, and hosted pages.
Send any product image URL with a product name and a mode. STANDARD cleans up the photo; SCENE renders it in a lifestyle context.
Returns multiple variants per call as standard image URLs you can store and reuse anywhere.
Designed to compose with the rest of the platform
Generated branding flows naturally into the Branding API. Enhanced images live alongside the rest of your merchant content. Token metadata composes with the Charges API for usage-based billing.
You don't bolt AI onto your stack. You call it from the same client you already use to take payments.
Ready to generate?
Two endpoints, full request/response details, and rich metadata for every call. Start generating branding and imagery as part of your payment integration today.
// Generate a branding theme from any URL
POST /ai/branding
{
"url": "https://example-company.com"
}
// Response
{
"status": "SUCCESS",
"data": {
"options": [{
"brandingOptions": [{
"brandColor": "#38488F",
"accentColor": "#38488F",
"backgroundColor": "#FDFDFF",
"footerColor": "#F0F0F2",
"rectShape": "rounded",
"fontType": "mono"
}],
"metadata": {
"inputTokens": 1043,
"outputTokens": 85
}
}]
}
}