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For ISVs

Your merchants already trust you. Payments should not introduce someone else.

Adding payments should not take a year, lock you to one acquirer, force a re-integration every time pricing changes, or put another company’s brand in front of your customers. Surfboard is the platform software vendors use to ship payments quickly, under their own name, on their own economics.

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  • 100% White-label, down to the terminal
  • 1 API surface, not a stack of services
  • You Set the pricing, and keep the margin
A software team working on a payments integration
I The platform you wanted

The Payments Platform You Wish Existed When You Started

ISVs are the most demanding customers in payments. You need fast time-to-market, full white-label, flexible monetization, hardware that doesn't suck, and economics that actually work. Surfboard was built from the ground up for the way ISVs want payments to work.

The Billing API monetizes the integration. The Branding API removes us from every customer-facing surface. The Logistics API automates terminal procurement. The Identification, AI, and Gift Cards APIs unlock product features your customers will pay for. And it all composes into a single API surface, not a stack of disconnected services.

II Why ISVs choose us

Why ISVs choose Surfboard

Six reasons partners pick us over legacy acquirers, traditional payment processors, and other PaaS providers.

  • Monetize the Payment Layer

    Most payment platforms hide the economics. The Billing API exposes them, define your own pricing, set your own margins, and earn on every transaction your merchants run through the integration.

    • Custom pricing per merchant, store, or terminal
    • IC++ pricing for transparency-focused buyers
    • Usage-based charges for AI, API, or feature billing
    • Automated invoicing and settlement deductions

  • Ship Under Your Own Brand

    Your merchants are your relationship. Surfboard's White-Label system covers every customer-facing surface, terminals, hosted checkout, merchant portals, receipts, identification prompts, and more.

    • Twelve Branding API endpoints across four hierarchical levels
    • AI-generated themes from a merchant's URL, onboarding in seconds
    • No "powered by Surfboard" anywhere

  • Scale Onboarding Without Scaling Ops

    Programmatic merchant onboarding with built-in KYB. Self-serve flow that places terminal orders, runs identity checks, configures branding, and goes live, all without your team touching a ticket.

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

    Composes with the Logistics API for automated terminal procurement and the Notifications API for proactive merchant updates.

  • Hardware That Runs Your Software

    Surfboard terminals are Android-based and openly programmable. Your POS, journal, or vertical SaaS app can run directly on the device alongside the payment application, no separate ECR, no cabling, no integration friction.

    Or use SoftPOS (CheckoutX) to turn any merchant's existing Android device into a payment terminal, for ISVs whose customers don't want dedicated hardware.

  • Acquirer-Agnostic Infrastructure

    Most legacy payment integrations lock you to one acquirer. Surfboard is acquirer-agnostic, switch processing relationships without re-integrating, and offer competitive rates by playing acquirers against each other.

    Industry-first PCI DSS 4.0 multi-cloud certification, your integration runs on infrastructure with 9 active instances across GCP, AWS, and Azure.

  • The Whole Platform, Not Just Payments

    Modern ISVs need more than card processing. Surfboard ships the full surface: gift cards, tips, identification, NFC tag reading, AI image and branding generation, recurring billing, multi-merchant routing, scheduled SFTP reports, and customer-facing receipts.

    One integration. Years of feature parity already done.

III Reach for these first

The capabilities ISVs use most

Each one is reachable from the integration you have already written. Nothing below is a separate product to buy.

IV The hardware

Run your POS app on Surfboard hardware

SurfTouch, SurfPrint, and SurfPad run Android. Publish your POS, journal, or vertical SaaS app to the device alongside the payment application, no second device, no cabling, no ECR integration project.

Or skip the dedicated hardware entirely with CheckoutX SoftPOS, turn any Android phone or tablet your merchants already own into a payment terminal.
V In code

Start integrating

One API, one set of credentials, one mental model. Onboard merchants, configure branding, place terminal orders, and start accepting payments, all programmatically.

Read the Developer docs
                            // Onboard a merchant programmatically
  POST /partners/:partnerId/merchants
  {
    "businessName": "Acme Coffee Co.",
    "country": "SE",
    "businessType": "LIMITED_LIABILITY",
    "registrationNumber": "5566778899",
    "billingPlanId": "plan_isv_growth",
    "brandingFromUrl": "https://acmecoffee.example"
  }

  // Place an automatic terminal order
  POST /partners/:partnerId/merchants/:merchantId/shipment
  {
    "lineItems": [{ "productId": "surftouch-pro", "quantity": 1 }]
  }

Build it yourself

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

Online · Guide
Partner Branding

Configure white-label branding for terminals and payment pages. Set colors, fonts, logos, and cover images at the partner level via API or Partner Portal.

Read guide Online · Guide
Client Auth Tokens

Generate client-side authentication tokens for secure API access from browsers and mobile apps without exposing your API key or secret.

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
Server-to-Server API

Process online payments entirely from your backend with Merchant Initiated Transactions. Full control over recurring payments, subscriptions, and tokenized card flows.

Read guide
Browse all developer guides