Partnerbetalningsplattform
Cardflo erbjuder en partnerbetalningsplattform som gör det möjligt för strategiska partners att integrera betalningshantering i sina lösningar. Denna plattform stöder olika partnerskapsmodeller och erbjuder ett flexibelt och skalbart sätt att erbjuda betalningstjänster under en enhetlig varumärkesupplevelse.
Stärk ditt ekosystem med integrerade betalningar.
- Kategori
- White-label
- Funktioner
- 10
- Tillgänglig på
- Alla planer
Översikten
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.
Så fungerar det
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.
Varför det spelar roll
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.
Användningsfall
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.
I siffror
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.
Relaterade termer
Talk to our team about a live rollout on your acquiring stack.
What you get with Partnerbetalningsplattform
- API-driven integration för sömlös inbäddning i befintliga produkter.
- Anpassningsbar varumärkesprofilering för en konsekvent användarupplevelse.
- Modeller för intäktsdelning anpassade till partnerskapsavtal.
- Tillgång till Cardflos fulla svit av betalningsorkestrationsfunktioner.
- Omfattande rapportering och analys för gemensamma satsningar.
- Dedikerad partnerhantering och teknisk support.
- 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.
Questions about Partnerbetalningsplattform
Vilka integrationsalternativ finns tillgängliga för partners?
Plattformen erbjuder robust API-dokumentation för djup integration i din befintliga programvara eller tjänster. Detta möjliggör en sömlös, varumärkesanpassad betalningsupplevelse direkt inom din egen applikation eller plattform.
Hur gynnar partnerbetalningsplattformen våra kunder?
Dina kunder får tillgång till avancerade betalningshanteringsmöjligheter, inklusive olika betalningsmetoder, smart dirigering och återhämtningsmöjligheter vid avvisade betalningar, allt inom ett bekant gränssnitt som tillhandahålls av ditt varumärke. Detta tillför ett betydande värde till ditt kärnerbjudande.
Kan plattformen stödja olika intäktsmodeller för partnerskap?
Ja, plattformen är utformad för att rymma olika intäktsdelningsavtal. Vi samarbetar med partners för att konfigurera transparenta provisionsstrukturer och rapportering, vilket säkerställer överensstämmelse med dina affärsmål och finansiella modeller.
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.
Relaterade funktioner.
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