Software / Acquiring Processing
Acquiring infrastructure for platforms that take payments.
Merchant management, transaction processing, gateway and acquiring infrastructure — for acquirers, payment facilitators and platforms building acceptance into their product.
At a glance
- Built for
- Acquirers, PSPs, payfacs
- Channels
- Online, in-person, API
- Processing
- Auth, capture, refund
- Settlement
- Configurable cycles
Capabilities
Merchant onboarding
Application capture, risk assessment, underwriting decisions and MID assignment governed by your onboarding policy.
Gateway and channels
Hosted and API-based acceptance, terminal and in-person integration, and tokenised card storage for repeat payments.
Transaction processing
Authorisation, capture, refund, reversal and partial amounts handled against the merchant account with scheme-compliant messaging.
Clearing and settlement
Batch construction, fee application and settlement instructions, with reconciliation against scheme and acquirer positions.
Pricing and fees
Merchant pricing, scheme fees, interchange configuration and the reporting finance needs to reconcile margin.
Risk and fraud controls
Velocity, amount, geography and behaviour rules at transaction level, with review queues for exceptions.
Portfolio operations
One console for the commercial and the operational view.
Merchant status, processing activity, exceptions and settlement positions are held together, so relationship teams and operations work from the same record.
Multi-acquirer and multi-currency
Configure routes, currencies and scheme relationships per merchant or channel.
Exceptions routed, not buried
Declines, chargebacks and settlement breaks are queued for the team that owns them.
Reporting that reconciles
Fees, interchange and settlement reports designed to tie back to the ledger.
Northbank Retail
MID 4471
Halden Group
MID 4472
Vela Travel
MID 4473
Gateway request
POST /gateway/payments
{
"merchant": "MID 4471",
"amount": 6420,
"currency": "GBP"
}200 · captured
Settlement position
£482,190
Conceptual interface
Settlement
A settlement cycle you can explain to finance.
Capture and batch
Transactions are collected into a settlement batch against the merchant account, with fees calculated at the point of capture.
Clearing and reconciliation
Batches are presented, responses matched, and differences queued as exceptions rather than absorbed.
Funding instruction
Net positions are passed to the settlement account for funding on the agreed cycle, with a report per merchant.
Acquiring lifecycle
From merchant onboarding to the settlement instruction.
- 1
Onboard
Merchant application, risk decision and commercial terms configured.
- 2
Accept
Transactions captured through gateway, terminal or API channels.
- 3
Clear
Batches presented to the scheme and reconciled against expectations.
- 4
Settle
Funds settled to the merchant on the agreed cycle, with fees applied.
Next step
Talk to the product team.
Bring the requirement, the constraints and the institutions involved. We will tell you what the implementation looks like.