Plataforma de pagamento para parceiros
A Cardflo oferece uma plataforma de pagamento para Parceiros, permitindo que parceiros estratégicos integrem o processamento de pagamentos nas suas soluções. Esta plataforma suporta vários modelos de parceria, proporcionando uma forma flexível e escalável de oferecer serviços de pagamento sob uma experiência de marca unificada.
Fortaleça o seu ecossistema com pagamentos integrados.
- Categoria
- Marca branca
- Funcionalidades
- 10
- Disponível em
- Todos os planos
A visão geral
A partner payment platform allows software providers, marketplaces, and consultants to integrate managed payment capabilities into their existing product suites. This layer of the stack acts as an intermediary between the strategic partner and the technical acquirer or payment service provider.
By embedding these functions, businesses can manage sub-merchant onboarding through automated KYB processes and facilitate card acceptance without building an independent gateway from scratch.
The architecture typically relies on a multi-tenant structure where the primary partner maintains visibility over high-level transaction data while individual merchants manage their specific processing volumes. This configuration addresses the technical requirements for PSD2 compliance and SCA enforcement within a unified environment.
Centralising these services enables partners to standardise their payment operations, simplify the settlement of funds across a dispersed merchant base, and utilise advanced logic such as smart routing to optimise cost structures across various schemes and regions.
Como funciona
Sub-merchant onboarding and KYB
The platform facilitates the collection of merchant documentation required for anti-money laundering and know your business checks. This process is often automated via API to ensure that sub-merchants are verified against global databases before a Merchant ID is assigned.
This stage is critical for risk mitigation and regulatory compliance within the partnership.
Integrated transaction processing
Once onboarded, sub-merchants process transactions through the partner's interface. The system routes authorisation requests to the relevant acquirer while applying the partner's specific configuration for rules like 3D Secure.
The platform handles the underlying complexity of communicating with card schemes and issuers, returning real-time responses to the application.
Automated funds distribution
After successful settlement from the acquirer, the platform calculates the distribution of funds. This includes deducting interchange, scheme fees, and partner markups before allocating the remaining balance to the sub-merchant.
This automated ledgering ensures that all parties receive their agreed revenue share without manual intervention or spreadsheet-based reconciliation.
Centralised reporting and management
The partner accesses a high-level dashboard to analyse the performance of their entire portfolio. This interface provides granular data on decline reasons, chargeback ratios, and volume trends across all sub-merchants.
Technical teams can use these insights to adjust routing logic or dunning strategies to improve overall authorisation rates.
Por que importa
Enhanced merchant retention rates
Integrating payment processing into a core business software product often creates higher switching costs for the end-user. When a merchant relies on a single platform for both operational management and financial settlement, the operational friction of moving to a competitor increases.
This vertical integration tends to stabilise the merchant base and provides a more cohesive user experience than separate, disconnected financial tools.
New non-interest revenue streams
By participating in the flow of funds, partners can move beyond fixed subscription models to a volume-based revenue structure. Capturing a portion of the payment margin, through methods like interchange-plus-plus or blended pricing markups, allows the partner to scale revenue inline with their customers' growth.
This diversification of income reduces reliance on traditional software licensing fees alone.
Casos de uso
SaaS and ERP providers
Software companies specialising in specific industries, such as property management or healthcare, can embed payment acceptance into their billing modules. This allows their clients to accept invoice payments directly within the software, simplifying reconciliation.
E-commerce marketplaces
Platforms hosting multiple third-party sellers use partner payment infrastructure to manage complex split-payments. The system handles the primary transaction and ensures the correct amounts are routed to the individual seller and the marketplace owner.
Franchise and group organisations
Head offices can oversee the payment activities of multiple franchise locations through a single portal. This setup allows for standardised processing rates and centralised reporting while maintaining separate settlement accounts for each franchisee.
Em números
Typical increase in net revenue per user when transitioning from a referral model to a fully integrated partner payment structure.
Standard industry timeframe for automated sub-merchant KYB approval when digital documentation and third-party data sources are utilised.
Average duration for a software company to integrate a partner API compared to the years required to build an independent gateway.
Termos relacionados
Talk to our team about a live rollout on your acquiring stack.
O que obtém com Plataforma de pagamento para parceiros
- Integração baseada em API para incorporação perfeita em produtos existentes.
- Branding personalizável para uma experiência de utilizador consistente.
- Modelos de partilha de receita adaptados aos acordos de parceria.
- Acesso ao conjunto completo de recursos de orquestração de pagamento da Cardflo.
- Relatórios e análises abrangentes para joint ventures.
- Gestão de parceria dedicada e apoio técnico.
- Configurable 3D Secure 2 logic to balance fraud prevention with checkout friction.
- Real-time access to transaction data via webhooks for instant internal database updates.
- Global card scheme support including Visa, Mastercard, and regional debit networks.
- Technical compliance management for PCI-DSS to reduce the partner's regulatory burden.
A short scoping call, then a written plan for your MIDs.
Perguntas sobre Plataforma de pagamento para parceiros
Quais as opções de integração disponíveis para parceiros?
A plataforma oferece documentação de API robusta para integração profunda no seu software ou serviços existentes. Isso permite uma experiência de pagamento perfeita e personalizada diretamente na sua própria aplicação ou plataforma.
Como a plataforma de pagamento para Parceiros beneficia os nossos clientes?
Os seus clientes obtêm acesso a capacidades avançadas de processamento de pagamentos, incluindo diversos métodos de pagamento, encaminhamento inteligente e recuperação de recusas, tudo dentro de uma interface familiar fornecida pela sua marca. Isso agrega valor significativo à sua oferta principal.
A plataforma pode suportar diferentes modelos de receita de parceria?
Sim, a plataforma é projetada para acomodar vários acordos de partilha de receita. Trabalhamos com parceiros para configurar estruturas de comissão e relatórios transparentes, garantindo o alinhamento com os seus objetivos de negócio e modelos financeiros.
Can the partner branding be applied to the merchant dashboard?
Yes, white-labelling is a core component of partner payment platforms. This allows the partner to apply their own logos, colours, and domain names to the merchant-facing portal.
This ensures that the merchant perceives the payment service as a native feature of the partner's software rather than a third-party add-on. Consistent branding helps build trust and reduces confusion for the sub-merchant when they are reviewing their daily settlement reports or managing disputes.
How does the platform handle PSD2 and SCA requirements?
The platform includes built-in support for 3D Secure 2, which is the standard for meeting Strong Customer Authentication requirements under PSD2. The system can be configured to request exemptions where applicable, such as for low-value transactions or trusted beneficiaries, to minimise friction.
Because the platform manages the technical handshake with the issuer, the partner does not need to build their own SCA logic, ensuring that all sub-merchants remain compliant with European regulations automatically.
What happens if a sub-merchant receives a chargeback?
When a dispute is raised, the platform notifies the sub-merchant and the partner through the dashboard or via API webhooks. The sub-merchant can then use the provided tools to upload evidence for representment.
The platform tracks the chargeback through its lifecycle, from the initial notification to the final decision by the issuer. High chargeback ratios are monitored at the partner level to ensure the overall health of the portfolio remains within the limits set by card schemes.
Funcionalidades relacionadas.
Pronto para a velocidade?
Fale-nos do seu negócio. Iremos apresentá-lo aos parceiros adquirentes e à rota certa, normalmente em menos de uma semana.