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For acquirers and banks

A modern merchant experience, without replatforming the core.

Most acquirers and banks know the merchant-facing stack needs replacing. Almost none want to rip out processing relationships that work. Surfboard sits above your existing rails as the orchestration and experience layer: acquirer-agnostic, multi-cloud, fully white-labelled, and built for the regulatory weight an institution carries.

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  • 0 Changes to your core processing
  • 3 Clouds, active at the same time
  • PCI DSS 4.0 Certified multi-cloud platform
A bank office
I Above your existing rails

The Compliance and Scale Story Banks Actually Need

Banks and large acquirers have a different evaluation rubric than ISVs. Compliance posture, multi-cloud resilience, regulatory readiness, and the ability to evolve without disrupting in-flight relationships matter more than time-to-market. Surfboard was architected for institutions on day one.

PCI DSS 4.0 multi-cloud is industry-first. 99.99% uptime is measured. Multi-acquirer routing means you keep your existing core relationships and add Surfboard as the modern merchant-facing experience layer above them. Migrate at the pace your risk and compliance teams require, not at the pace your vendor demands.

II What institutions run

Why acquirers and banks pick Surfboard

Six reasons banks and acquirers select Surfboard over building in-house, working with legacy modernizers, or licensing piecemeal vendors.

  • Modern Stack, Without Replatforming

    Acquirers and banks don't need to rip out their core processing relationships to ship modern payment products. Surfboard sits as the orchestration and merchant-facing layer above your existing acquiring rails, modern API, white-labeled experiences, no core migration required.

    • Acquirer-agnostic by design, keep your existing relationships
    • Sit above multiple acquiring back-ends simultaneously
    • Migrate gradually, segment by segment

  • PCI DSS 4.0 Multi-Cloud, Industry-First

    9 active instances across Google Cloud, AWS, and Azure. Industry-first PCI DSS 4.0 multi-cloud certification. 99.99% uptime, measured, not promised. The level of regulatory and operational rigor that banks and large acquirers actually require.

    Compliance posture designed for the institutions that bear the most regulatory weight.

  • Full White-Label, End to End

    Your brand, your customers, your relationship. Surfboard never appears on a customer-facing surface unless you choose. Twelve Branding API endpoints across four hierarchical levels cover every touchpoint.

    • Hosted payment pages in your visual identity
    • Merchant portals on your domain
    • Terminal lock screens and identification prompts themed to you
    • Receipts, emails, and notifications that look like yours

  • Onboard Faster Than the Competition

    Programmatic merchant onboarding with built-in KYB. Self-serve flows for SMBs, hands-on workflows for enterprise, both supported through the same API. Acquirers using Surfboard onboard merchants in hours where legacy stacks took weeks.

    Current record: 5 hours from signup to first live transaction.

  • Built for Regulatory and Audit Demands

    Settlement reports per merchant. SFTP delivery for ERP integration. Adjustments ledger for tip and surcharge audit. Stable IDs, immutable URLs, predictable shapes, the kind of data surface compliance teams expect.

    • Daily or monthly settlement reports per merchant
    • SFTP, Slack, email delivery to your finance stack
    • Adjustments and reconciliation surfaces designed for audit
    • EU/Nordic regulatory readiness baked in

  • The Complete Stack for Modern Acquiring

    In-store, online, SoftPOS, unattended, Tap to Pay on iPhone, every channel an acquirer needs to offer, available through one API. Plus payment methods (Cards, Swish, Klarna, AMEX, BNPL), tokenization, identification, gift cards, NFC, and AI-generated branding for instant merchant onboarding.

    One platform replaces what acquirers traditionally stitch together from 5-10 separate vendors.

III By the numbers

Compliance and resilience by the numbers

The resilience and compliance position an institution has to be able to evidence, not just describe.

  • 9 Active instances Across GCP, AWS and Azure
  • 3 Cloud providers Real multi-cloud, not single-region
  • 99.99% Uptime A track record, not a target
  • PCI DSS 4.0 Industry first The first multi-cloud platform to certify
IV The estate

The platform pieces banks need most

Branding API for full white-label. Settlement reporting and SFTP notifications for compliance integration. Multi-merchant API for portfolio management. Acquirer-agnostic processing for flexibility. Tokenization and offline payments for resilience.

One platform, every requirement institutional payment programs typically take years to assemble.
V In code

Talk to our enterprise team

Acquirer and bank deployments come with a dedicated solutions architect, regulatory documentation packages, and gradual-migration playbooks. Get in touch to see the technical and compliance documentation in detail.

Talk to our enterprise team
                            // Configure partner-level branding for your white-labeled stack
  PATCH /partners/:partnerId/branding
  {
    "brandColor": "#003B5C",
    "logoUrl": "https://your-bank.com/assets/logo.svg",
    "fontType": "serif"
  }

  // Subscribe to scheduled SFTP delivery of settlement reports
  POST /partners/:partnerId/notifications/reports
  {
    "event": "DAILY_FILE_TRANSFER",
    "sftpInfo": {
      "host": "sftp.your-finance-stack.com",
      "user": "surfboard-feed",
      "remoteDirectory": "/inbound/payments",
      "separator": "SEMICOLON"
    }
  }

Build it yourself

Step-by-step developer guides for everything on this page.

Online · Guide
Merchant Onboarding

Set up merchants and stores on the Surfboard platform. Walk through the full onboarding flow from merchant creation to KYB completion and store setup.

Read guide In-store · Guide
Multi-Merchant Terminals

Set up shared payment terminals for multiple merchants using the Multi-Merchant Group API. Ideal for food courts, events, and co-located businesses.

Read guide Online · Guide
Settlements & Reporting

Retrieve settlement reports, view adjustments, manage merchant charges, and register customer profiles for reconciliation and billing.

Read guide Online · Guide
Account & Service Provider Management

Create merchant and partner accounts, manage user roles, register service providers, and configure external notifications via the Surfboard API.

Read guide
Browse all developer guides