One Integration. Every Channel.
Unified Commerce means one API powers all your payment acceptance: terminals, online checkout, SoftPOS, kiosks, and unattended devices. Customer data, tokens, and reporting sync automatically across every touchpoint. Build once, deploy everywhere.
The End of Channel Silos
Legacy payment providers force you to integrate separately for online, in-store, and mobile. Different APIs. Different data models. Different reporting. We built Surfboard differently.
Our unified commerce architecture means the same order, customer, and transaction structures work across all acceptance types. Your integration effort drops dramatically while your capabilities expand across every channel.
Why this matters for ISVs
Instead of maintaining separate integrations, certifications, and codebases for each channel, you build once against Surfboard's API. Add new acceptance types by enabling them, not by re-integrating. Your time-to-market accelerates while operational complexity decreases.
How Unified Commerce Works
One API integration
POST /merchants/:merchantId/orders
{
"amount": 4999,
"currency": "EUR",
"channel": "in_store" | "online" | "unattended"
}
Accept payments anywhere
Unified customer view
{
"customerId": "cus_abc123",
"paymentMethods": [...],
"purchaseHistory": {
"online": [...],
"in_store": [...]
}
}
Powerful cross-channel capabilities
Unified commerce unlocks use cases that were impossible or painful with fragmented payment stacks. Here's what becomes easy.
1. Online-to-Store Journeys
Enable seamless cross-channel experiences:
- Customer buys online, picks up in-store
- Online reservation, pay remainder at venue
- Pre-order and skip the queue
The same customer token works everywhere. No re-authentication needed.
Perfect for:
- Retailers with e-commerce + physical stores
- Restaurants with online ordering
- Event ticketing platforms
2. Stored Payment Methods
Customers save their card online, then use it anywhere:
- Tap at terminal to auto-recognize
- One-click checkout online
- Tokenized for subscriptions
Network tokenization ensures security while enabling frictionless repeat purchases across all touchpoints.
3. Unified Reporting & Analytics
One dashboard for all your payment data:
- Cross-channel transaction history
- Customer lifetime value across touchpoints
- Channel performance comparison
- Single settlement view
No more reconciling data from multiple providers. Everything in one place.
4. Consistent Webhooks
Same event structure regardless of channel:
- order.payment.completed
- order.payment.failed
- order.refunded
Build once, handle events consistently. Your backend doesn't need channel-specific logic.
5. ISV Platform Integration
For ISVs building payment-enabled platforms:
- Single integration serves all merchant types
- No separate in-store vs online codebases
- Unified onboarding for merchants
- Simplified compliance and certification
Ship faster with one integration that scales across use cases.
6. Omni-channel Loyalty & Rewards
Customer rewards work everywhere:
- Earn points online, redeem in-store
- Unified loyalty balance
- Cross-channel promotional triggers
- Wallet-native loyalty passes
Build true omni-channel loyalty without fragmented point systems.
One API for terminals, online, SoftPOS, and unattended. No channel-specific code.
Customer profiles, tokens, and history sync automatically across all touchpoints.
Unified reporting, webhooks, and settlement. One view of your entire payment operation.
Works across all acceptance types
Unified Commerce spans our entire ecosystem: SurfPad, SurfTouch, and SurfPrint terminals. SurfXpress self-checkout. Tap to Pay on iPhone. CheckoutX SoftPOS on Android. SurfAlone unattended devices. Online checkout and custom integrations.
One customer. One token. One API. Every device.
Start building unified experiences
Our API documentation covers everything you need to implement unified commerce: order creation, customer management, webhooks, and cross-channel token handling.
// Same order structure across all channels
POST /merchants/:merchantId/orders
{
"amount": 4999,
"currency": "EUR",
"customerId": "cus_abc123",
"metadata": {
"orderRef": "your-order-id"
}
}