Built For Merchants Who Operate at Scale
Hundreds of stores. Dozens of payment methods. Multi-channel acceptance. Per-store configuration. Daily reporting into NetSuite. Offline resilience that prevents single-store outages from becoming chain-wide downtime. Surfboard ships the operational primitives enterprise merchants actually need — without the integration overhead of legacy multi-vendor stacks.
One Platform for Every Channel, Every Store, Every Brand
Most enterprise merchants assemble their payment stack from 5-10 vendors. One for in-store, one for online, one for SoftPOS, one for tokenization, one for reporting, one for terminal logistics. Every vendor adds reconciliation overhead, integration debt, and operational risk.
Surfboard collapses that into a single platform. Unified Commerce as the default. Cascading configuration that scales to thousands of stores. Cross-channel reporting that plugs into your ERP. Offline resilience built into the firmware. Enterprise SLAs and PCI DSS 4.0 multi-cloud certification — operational posture that holds up to the procurement scrutiny enterprise IT applies.
One reconciliation, every channel
Enterprise merchants running on Surfboard see one settlement, one ledger, one customer profile across in-store, online, SoftPOS, and unattended. No more stitching together processors, no more multi-vendor reconciliation, no more "the data doesn't match between systems" meetings.
Why enterprise merchants choose Surfboard
Six reasons chains and multi-location operators select Surfboard over assembling a vendor stack.
1. One Stack for Every Channel
Enterprise merchants run in-store, online, in-app, unattended, and SoftPOS payments — usually with separate vendors and disconnected reporting. Surfboard ships Unified Commerce as the default: one API, one ledger, one settlement, one customer profile across every channel.
- One integration project, not five
- One reconciliation pipeline
- One customer view across in-store and online
2. Cascading Configuration at Scale
Enterprise = thousands of stores, dozens of brands, hundreds of terminal types. Surfboard's cascading configuration model — chain → store → terminal — means you set defaults once and override only where needed. Branding, tipping, payment methods, all configured at the level that fits.
Roll out a new tipping policy across 500 stores with one PATCH call. Update terminal lock screens for a seasonal campaign in minutes.
3. Reporting Built for Finance Pipelines
Daily settlement reports per store, per merchant entity. SFTP delivery to your ERP. Cross-channel breakdowns. Adjustments ledger for tip and surcharge audit. Built to plug into NetSuite, SAP, Workday, Visma, Fortnox, or whatever finance system your company already runs.
No more re-typing CSVs. No more manual export. No more reconciling between processors.
4. Offline-Resilient Operations
Network failure shouldn't mean lost sales. Surfboard's offline payment modes keep terminals processing when connectivity drops, with configurable risk controls and automatic sync when the network returns.
Critical for retail, F&B, and hospitality at scale — single-store outages don't propagate into chain-wide downtime.
5. Cross-Channel Customer Recognition
A customer who buys online and visits the store is the same customer. Surfboard's tokenization unifies them — the same network token represents the card across every channel, enabling loyalty, identification, and personalization across all surfaces.
- Identification for tap-to-recognize at terminals
- Customers API for unified profiles
- Network tokens that work everywhere
6. Enterprise-Grade Operational Posture
PCI DSS 4.0 multi-cloud. 99.99% uptime. 9 active instances across GCP, AWS, and Azure. SLAs that hold up to procurement scrutiny. The compliance posture and resilience track record enterprise procurement teams expect.
Pair with the Logistics API for programmatic terminal lifecycle management — replacements, returns, and fleet upgrades through the API instead of support tickets.
The capabilities enterprise merchants use most
One API, every channel
Daily settlement to your ERP
Resilience for single-store outages
Cross-channel customer recognition
Tap-to-recognize at every store
Programmatic fleet management
SFTP feeds for finance
Loyalty, refunds-as-credit, employee perks
Branding cascade across the chain
Multi-brand, multi-store, one configuration model
If your business runs multiple brands under one corporate entity, Surfboard's branding cascade keeps each brand's identity preserved while sharing the underlying infrastructure. Set defaults at the chain level. Override per brand. Override per store. Override per terminal. Same model for tipping, payment methods, and identification policies.
The way enterprise payment configuration should have always worked.
Talk to our enterprise team
Enterprise deployments come with dedicated solutions architects, custom SLA frameworks, and migration playbooks. Get in touch to walk through your specific stack.
// Configure store-level tipping policy across a chain
PATCH /merchants/:chainMerchantId/tips
{
"tipConfig": "ENABLED",
"tipLevel1": 10,
"tipLevel2": 15,
"tipLevel3": 20
}
// Override at flagship locations only
PATCH /stores/:flagshipStoreId/tips
{
"tipLevel1": 15,
"tipLevel2": 20,
"tipLevel3": 25
}