Modern Acquiring, Without the Replatforming
Most acquirers and banks know they need a modern merchant-facing stack. Few want to rip out the core processing relationships that work. Surfboard sits as the orchestration and experience layer above your existing rails — acquirer-agnostic, multi-cloud, full white-label, and built for the regulatory weight institutions bear.
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.
Sit above the rails, not in front of them
Surfboard is acquirer-agnostic. We don't compete for the processing relationship — we modernize the merchant experience around it. Acquirers and banks deploying Surfboard offer their merchants a stack that competes with anything in the market, while keeping the economics, regulatory posture, and risk frameworks they already 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.
1. 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
2. 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.
3. 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
4. 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.
5. 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
6. 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.
Compliance and resilience by the numbers
Across GCP, AWS, and Azure
Real multi-cloud, not single-region
Track record, not target
Multi-cloud certified
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.
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.
// 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"
}
}