Intégration via API
L'intégration via API de Cardflo offre une solution flexible et efficace pour intégrer les comptes marchands directement dans votre plateforme. Cette approche programmatique automatise l'ensemble du flux de travail d'intégration, de la soumission de la demande à l'activation du compte.
Elle réduit l'intervention manuelle, accélère l'activation des marchands et assure la cohérence des données entre les systèmes pour les clients d'entreprise.
- Catégorie
- Intégration
- Capacités
- 10
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L'aperçu
API-driven onboarding allows payment service providers and platforms to integrate merchant registration directly into their existing software architecture. By moving away from manual portals or PDF-based applications, organisations can transmit Merchant Identification Number (MID) requests and Know Your Business (KYB) documentation through standardised RESTful endpoints.
This process sits between the initial platform sign-up and the gateway activation layer, automating the delivery of data to the acquirer or payment orchestrator. The mechanic relies on the programmatic exchange of company registries, beneficial ownership details, and bank account verifications.
Because the system uses structured data fields rather than manual inputs, the risk of data entry errors is reduced. This infrastructure is essential for enterprise platforms that need to scale merchant acquisition without a proportional increase in risk-operations headcount.
It facilitates a tighter feedback loop between the platform and the underwriter, enabling faster risk assessment and subsequent authorisation of processing capabilities.
Comment ça marche
Data ingestion and mapping
The merchant's platform collects core business data including registered address, Tax ID, and MCC codes. This information is mapped to the API schema required by the acquirer or PSP.
Programmatic validation ensures that all required fields are present and correctly formatted before the submission enters the underwriting queue.
KYB and identity verification
The API triggers automated calls to third-party databases and government registries to verify the legal existence of the entity. Documentation such as passports or utility bills for ultimate beneficial owners is transmitted via secure document upload endpoints.
This stage often includes automated Anti-Money Laundering and Sanctions screenings.
Underwriting and risk assessment
Acquiring banks use the data payload to perform automated credit and risk assessments. Based on pre-defined business rules, the application is either approved, rejected, or flagged for manual review.
API callbacks notify the platform of these status changes, allowing for real-time visibility into the onboarding funnel.
Credential provisioning and activation
Once the application is approved, the system automatically generates credentials, including the MID and API keys. These are pushed back to the platform through the API, enabling the merchant to begin processing transactions immediately.
The settlement and rolling reserve parameters are also programmed into the account profile.
Pourquoi c'est important
Operational efficiency and cost
Manual merchant onboarding is often a primary bottleneck for scaling platforms. By moving to an API-driven model, businesses minimise the labour cost associated with data entry and back-and-forth communication with underwriters.
Automated workflows reduce the time-to-income for new merchants, which is a critical metric for competitive commercial performance in the payments sector.
Data integrity and compliance
API-based transmission ensures that the data used for KYB and AML checks remains consistent across the acquirer, the gateway, and the platform CRM. This reduces the risk of discrepancies that can lead to compliance failures or audit issues.
Automated headers and standardised payloads ensure that all required regulatory reporting data is captured at the point of origin.
Enhanced merchant experience
Merchants expect a digital-first experience that integrates with their existing business tools. API-driven onboarding allows platforms to build bespoke front-end interfaces that match their brand, rather than redirecting users to generic third-party portals.
This reduces drop-off rates during the application process and fosters higher levels of engagement with the core platform services.
Cas d'usage
SaaS and software marketplaces
Marketplace businesses that host multiple sub-merchants can use the API to register new vendors instantly. This ensures that the payment functionality is active by the time the vendor completes their profile setup.
Global payment service providers
PSPs with a diverse client base use APIs to handle high volumes of applications across different jurisdictions. The API manages the varying KYB requirements for each region within a unified technical framework.
Enterprise ERP integrations
For large organisations moving into embedded finance, API-driven onboarding allows for the direct sync of existing corporate data into the payments environment. This removes the need for redundant documentation for established business units.
En chiffres
Industry reports indicate that automating the data transfer and document collection phase can reduce the overall cycle time by several days compared to manual paper-based or email-led applications.
For standard-risk merchants, API-driven workflows frequently achieve same-day activation, although this remains dependent on the specific internal SLAs and risk thresholds of the acquiring partner.
By removing the linear link between headcount and application processing, platforms typically observe a significant multiplier in their capacity to board new merchants during periods of rapid growth.
Termes associés
Talk to our team about a live rollout on your acquiring stack.
What you get with Intégration via API
- Soumission programmatique des données d'application du commerçant
- Mises à jour de statut en temps réel sur la progression de l'intégration
- Téléchargement et validation automatisés de documents via API
- Intégration transparente avec les systèmes CRM ou ERP existants
- Champs de données personnalisables pour des besoins commerciaux spécifiques
- Architecture évolutive pour l'acquisition de commerçants à fort volume
- Scalable architecture designed to handle thousands of concurrent merchant applications during peak periods.
- Synchronisation of merchant metadata across global gateways and downstream settlement systems.
- Support for multiple funding methods including bank transfers and automated clearing house setups.
- Secure transmission of sensitive PII data in compliance with PCI-DSS and GDPR standards.
A short scoping call, then a written plan for your MIDs.
Questions about Intégration via API
Quelles sont les exigences techniques pour une intégration via API ?
Les exigences techniques pour une intégration via API comprennent une équipe de développement capable de s'intégrer aux API RESTful, des méthodes d'authentification sécurisées (par exemple, clés API, OAuth) et un système pour gérer les échanges de données.
Cardflo fournit une documentation API complète et un support.
Comment l'intégration via API améliore-t-elle l'efficacité ?
L'intégration via API améliore l'efficacité en éliminant la saisie manuelle des données, en automatisant les étapes de vérification et en fournissant un retour d'information en temps réel.
Cela réduit considérablement le temps entre la demande et le traitement actif, permettant aux commerçants de commencer à effectuer des transactions plus rapidement et avec moins d'erreurs.
L'intégration via API est-elle sécurisée pour les données sensibles ?
Oui, l'intégration via API est conçue avec des protocoles de sécurité pour protéger les données sensibles. Cardflo utilise le cryptage, l'authentification sécurisée et le respect des normes de sécurité des données de l'industrie (par exemple, PCI DSS).
La transmission des données est sécurisée pour empêcher tout accès non autorisé et assurer l'intégrité.
How is document security handled during the API transmission process?
Data security is maintained through encrypted HTTPS connections and, often, dedicated document upload endpoints that specialise in handling sensitive PII. Documents are typically tokenised or hashed, and access is restricted according to the principle of least privilege.
Under PCI-DSS and GDPR, the platform must ensure that any stored data is encrypted both at rest and in transit. Using an API allows for direct, secure hand-offs to the acquirer's secure vault, minimising the platform's exposure to sensitive data.
Is manual review still necessary for certain merchant types?
In the payments industry, manual review remains a standard practice for high-risk MCCs, businesses with non-standard ownership structures, or those with high predicted processing volumes.
The API-driven approach does not eliminate manual review but rather optimises the process by providing the underwriter with a structured, digital file rather than a disparate collection of documents.
This allows the human reviewer to focus solely on the risk decision rather than data collection or administrative verification.
What happens if an API-driven application is declined?
If an application is declined, the API will return a specific refusal code and, in some cases, a reason for the decline. Common reasons include failed KYB checks, credit history issues, or being in a restricted business category.
The platform can use this information to inform the merchant or to trigger a dunning-like process where the merchant is asked to provide alternative documentation or update their business information to address the specific concerns raised by the acquirer.
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