Solutions
One platform. Read it two ways.
Every solution below runs on the same integration, the same settlement and the same set of devices. What changes is the shape of the business using it, so start from whichever description fits you: the kind of company you are, or the kind of customer you serve.
What you build determines what you need.
An ISV embedding payments has almost nothing in common with an acquirer modernising a merchant portfolio, beyond the fact that both end up calling the same API. These are the routes in.
-
Software & SaaS
For ISVs
Software vendors adding payments to their product. POS systems, booking platforms, vertical SaaS. White-label by default, monetize through the Billing API, ship in weeks not quarters.
-
Financial Institutions
For Acquirers & Banks
Modernize merchant-facing experiences without replacing your core processing. Acquirer-agnostic platform with PCI DSS 4.0 multi-cloud certification.
-
Aggregation
For PayFacs & PSPs
Programmatic onboarding, multi-merchant routing, Service Providers API, and per-merchant pricing built for aggregation models running at scale.
-
Multi-Location
For Enterprise Merchants
Unified commerce, cascading configuration, cross-channel reporting, offline resilience, for chains, multi-location operators, and enterprise merchants.
-
Multi-Vendor
For Marketplaces
Multi-vendor payment infrastructure. Shared terminal fleets, per-vendor settlement, vendor branding cascade. Built for food halls, festivals, and shared retail.
-
SMB
For Small Businesses
Surfpay POS, the productized version of the Surfboard stack, built for SMB merchants who want to start accepting payments without integrating an API.
The counter looks different in every trade.
A festival bar, a padel club and an EV charger want the same three things: take the money, know what happened, get paid. The way they get there is not the same.
-
Food & Beverage
Restaurants, cafes, food halls, bars, ghost kitchens
-
Retail
Fashion, electronics, supermarkets, specialty stores
-
Hospitality
Hotels, B&Bs, vacation rentals, short-stay
-
Healthcare
Clinics, journal systems, pharmacies
-
Ticketing & Events
Festivals, conferences, venues, sports
-
Wellness & Beauty
Spas, salons, fitness studios, padel clubs
-
Unattended & Self-Service
Vending, EV charging, parking, kiosks
Not sure which one you are?
Most companies are more than one of the above, and it rarely matters at the start. Open a sandbox and the platform is the same either way, or tell us what you are building and we will point at the right page.
Build 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 · GuideRedirect customers to a Surfboard-hosted checkout page. The fastest way to accept online payments with minimal integration effort.
Read guide Online · GuideCreate a merchant application through the Partner API and hand the merchant a prefilled web KYB link. Registry lookup, automatic business classification, people and signing, application status, and store setup.
Read guide