Billing API

Flexible Pricing, Your Way

Partners can now manage billing, onboarding, and usage-based charging directly through the API. No waiting. No manual setup. No middle steps. Build the pricing model that fits your business, not ours.

Your Business Model, Not Ours

Most payment providers lock you into their pricing structure. Surfboard flips this: you define the pricing, we handle the execution. Create billing plans that match how your business actually works.

Create new plans for specific markets, payment methods or merchant segments. Push them live instantly without waiting for manual activation. Manage all plans directly from the Partner Portal or via API.

Built for ISV economics

The Billing API exists because ISVs asked for it. You need to monetize your payment integration, offer competitive rates to win merchants, and still maintain healthy margins. Surfboard makes this possible with pricing flexibility that legacy providers simply can't match.

How Billing Works

Create billing plans via API

Partners can create and publish their own billing plans through API or the Partner Portal. Define new pricing, subscriptions, and packages instantly, without Surfboard intervention or activation delays.

                          {
  "planName": "surf059",
  "currency": 752,
  "description": "High volume merchant plan",
  "planType": "FIXED", // or IC++
  "terminalType": ["STANDARD", "ONLINE", "SOFTPOS"],
  "paymentMethods": {
    "domesticDebitNonCommercial": {
      "fixedFee": 2,
      "minimumFee": 0.99,
      "fixedPercentage": 2
    }
  }
}

Track usage with the Charges API

Dynamic, usage-based billing for the new economy. Create charges that adapt to consumption: AI credits, seats, API usage, or any flexible pricing model.

                          {
  "usage": {
    "used": 350,
    "metric": "credits",
    "limit": 1000,
    "ratePerUnit": 1.5
  },
  "metaData": {
    "planType": "AiUsage",
    "partner": "SurfAi"
  }
}

Automated billing and invoicing

Surfboard handles invoicing, settlement deductions, and reporting. Your merchants see clear, itemized billing with no surprises.

Pricing models that work

From simple percentage markups to complex usage-based billing, the Billing API supports the pricing structures ISVs actually need.

1. ISV Platform Monetization

Monetize your payment integration:

Add markup to transaction fees
Charge per terminal or per store
Usage-based pricing for API calls
Tiered pricing based on volume

Perfect for:

POS software vendors
E-commerce platforms
Booking and scheduling systems

2. Custom Pricing by Merchant

Different merchants, different rates:

Negotiate custom rates for large merchants
Offer promotional pricing for new signups
Volume-based discounts that apply automatically

Assign billing plans at the merchant level. Changes take effect immediately, no manual activation required.

3. IC++ Pricing Support

Interchange++ pricing for transparency:

Pass through actual interchange costs
Add your margin on top
Full visibility for merchants

Give your merchants the transparency they demand with true cost-plus pricing.

4. Usage-Based Charges

The new Charges API introduces dynamic, usage-based billing:

AI or API billing by tokens or requests
Subscription plans with flexible overage pricing
Transaction-based partner revenue models
Credits, seats, or any custom metric

Every usage entry can carry its own metric, unit rate, and metadata. Charge for value, not just time.

5. Multi-Payment Method Pricing

Different rates for different payment methods:

Card payments: percentage + fixed
Swish/Vipps: flat fee
Invoice payments: custom rates
BNPL: negotiated terms

Set granular pricing across all payment methods in a single billing plan.

6. Partner Revenue Share

Build recurring revenue streams:

Automatic revenue share calculations
Clear partner payout reporting
Settlement timing you control

Turn your payment integration into a profit center with transparent revenue sharing.

Why ISVs choose Surfboard billing

💰

Revenue Control

Set your own margins. Your pricing strategy, not ours.

⚡

Instant Changes

Update pricing via API. No support tickets, no delays.

📊

Usage Tracking

Bill for any metric: API calls, tokens, features, whatever.

✔

Automated

Invoicing, deductions, and reporting happen automatically.

Transparent pricing for merchants

Your merchants see clear, itemized billing. No hidden fees, no surprise charges. Each invoice breaks down transaction fees, usage charges, and any fixed costs.

Happy merchants stay longer. Transparent billing builds trust.

Start building your pricing model

The Billing API documentation covers everything: creating plans, assigning them to merchants, tracking usage charges, and understanding settlement reports.

Explore the API docs

                            // Create a billing plan with mixed pricing
POST /partners/:partnerId/billing-plans
{
  "name": "Growth Plan",
  "fees": {
    "card": {
      "percentage": 1.4,
      "fixed": 10,
      "currency": "SEK"
    },
    "swish": {
      "fixed": 200
    }
  },
  "monthlyFee": 29900
}

Related Platform Features

Unified Commerce

One API for all channels

Webhooks

Real-time payment events

Customer API

Unified customer profiles

Offline Payments

Accept payments without internet