Enterprise tier · multi-entity

Enterprise payment platform — multi-entity orchestration on one API.

topropay's enterprise tier adds a legal-entity hierarchy, SAML SSO + SCIM, RBAC down to per-acquirer actions, an audit-grade event log and documented SLAs on top of the same routing engine, PCI L1 vault and reconciliation feed every merchant gets. One platform across every entity in the group.

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tier · systems of record tier · orchestration tier · acquiring panel ERP / OMS Billing / Subs CRM / CDP topropay EU acquirer UK / US acq APAC / LATAM
Sits between systems of record and the acquirer panel.
Multi-entity
legal-entity hierarchy with shared catalog
SSO / RBAC
SAML SSO and per-role access control
Audit-grade
actor-tagged event log on every transition
PCI L1 · ISO posture
compliance evidence for procurement

Key benefits

Why enterprise payment systems consolidate onto this orchestration layer

Four properties that show up the moment a multi-entity merchant stops maintaining per-acquirer integrations and starts running on one platform across the group.

  1. 01

    Multi-entity by design

    A parent enterprise plus N legal-entity children with their own acquiring relationships, currencies and reporting — all on one platform. Shared product catalog, isolated settlements.

  2. 02

    Procurement-friendly compliance

    PCI DSS Level 1 service-provider posture, sub-processor list, DPA, SCC modules where required and security questionnaire templates ready for vendor onboarding.

  3. 03

    Audit-grade event log

    Every transaction lifecycle transition is signed and tagged with actor identity, IP, user-agent and timestamp. Exportable for SOC and ISAE attestation evidence.

  4. 04

    SLA and operational readiness

    Documented uptime SLA, severity-tiered support, named CSM at enterprise tier, and runbooks for the most common operator workflows.

How enterprise payment solutions roll out

From discovery to phased cutover in five steps

What an enterprise rollout actually looks like — from entity-tree discovery through to a phased traffic cutover under a documented SLA.

  1. 01

    Discovery + entity model

    Map the enterprise's legal-entity tree, acquiring relationships per entity, currencies, and the product / SKU catalog the entities share.

  2. 02

    Connect acquirer panel per entity

    Each entity is wired to the licensed acquirers covering its geography; entity-level routing weights and chargeback programmes are configured upfront.

  3. 03

    Identity, SSO and RBAC

    SAML SSO into the dashboard; named roles (operator, finance, dispute analyst, read-only) mapped to per-entity permissions in the policy editor.

  4. 04

    ERP / billing / CRM connectors

    Webhook delivery to the merchant's ERP, billing and CRM; signed events for auth, capture, settlement and dispute land in the systems-of-record without polling.

  5. 05

    Phased cutover under SLA

    Traffic ramps from sandbox to a small canary entity, then to remaining entities under documented success criteria. The legacy stack runs in parallel for the cutover window.

Main use cases

Where the enterprise payment processing model earns its keep

Six enterprise merchant shapes that benefit most from a multi-entity orchestration platform vs maintaining per-acquirer integrations.

  • Multi-brand

    Multi-brand retail groups

    Several consumer brands under one corporate parent — each brand keeps its own checkout and acquiring relationships, finance reads one consolidated ledger.

  • Global

    Global SaaS billing across entities

    Multiple billing entities per region (EU GmbH, US Inc, UK Ltd) — annual invoices in local currency through local acquirers, one platform across them all.

  • PSP

    PSPs reselling to enterprise merchants

    Resellers operate the platform on behalf of large downstream merchants — per-merchant routing policies, per-merchant ledger, white-label dashboard surfaces.

  • Plat

    Marketplaces with seller payouts

    Marketplace operators take buyer payments through the orchestration layer and run seller payouts via card-rail payouts or bank-rail transfers from the same merchant record.

  • Travel

    Travel groups with delayed capture

    Airlines, OTAs and hotel groups with auth-only / capture-at-fulfilment flows, multi-currency settlement and seasonality-tuned routing.

  • B2B

    B2B enterprises with invoice receivables

    Enterprise B2B sellers with NET-30 / NET-60 invoice receivables on bank rails alongside card-side billing for SMB customers.

Platform features

Capabilities behind the enterprise payment gateway surface

Twelve capabilities that elevate the platform from a standard merchant integration to a full enterprise stack — identity, RBAC, audit, SLAs, treasury and migration.

Multi-entity hierarchy
Parent enterprise + N child legal entities with their own acquiring, settlement and reporting.
Per-entity routing policies
Independent BIN / scheme / currency / country routing weights per entity; cross-entity reporting in one dashboard.
SAML SSO + SCIM provisioning
Enterprise identity providers as the single source of truth for user accounts and role assignments.
RBAC at acquirer × action level
Permissions scoped per acquirer, per action (refund, capture, void, dispute action) and per amount threshold.
Audit-grade event log
Every transition signed and tagged with actor, IP, user-agent and timestamp; exportable for SOC / ISAE evidence.
Unified dispute queue
One queue across acquirers and channels; evidence-pack templates per vertical; automated representment for select scheme types.
Per-entity reconciliation
Settlements, interchange, fees, refunds and chargebacks per entity in one normalised ledger; consolidated rollup across the group.
Webhooks & ERP connectors
Signed lifecycle events; connectors for SAP, Oracle Fusion, NetSuite, MS Dynamics, Sage Intacct.
Treasury-friendly settlement
Per-currency, per-entity bank-account mapping; daily exports tagged with entity, currency, acquirer and routing policy.
Operator-side controls
Refund justifications, dual-control thresholds for high-value actions and dashboard-audit on every override.
Documented SLA & support tiers
Documented uptime SLA, severity-tiered support, named CSM at enterprise tier, on-call escalation paths.
Sandbox parity & migration tooling
Full-fidelity sandbox covers every connected acquirer; parallel-running with the legacy stack supported through the cutover window.

Industry relevance

enterprise payment processing system fit across EU, UK, APAC and LATAM

topropay's enterprise tier targets licensed merchants and PSPs operating across Europe, the UK, APAC and LATAM — multi-brand retail groups, multi-entity SaaS, marketplaces with seller payouts, travel groups with delayed-capture flows, and enterprise B2B sellers running both card billing and bank-rail receivables under one platform.

EU & UK

SEPA, Bacs, Open Banking, card schemes via licensed EU/UK acquirers; PSD2 SCA on the card path.

APAC

PayID, OSKO, regional bank rails plus card scheme acceptance through licensed AU and APAC partners.

LATAM

PIX, Boleto, OXXO via partners alongside card scheme acceptance through licensed LATAM acquirers.

North America

Card schemes, ACH (NACHA-compliant) and wallet acceptance through licensed US partner acquirers.

Trust & compliance

Procurement-ready compliance evidence across every entity

One audited environment underpins the orchestration layer; procurement-side evidence (AoC, sub-processor list, DPA, SCC) is ready to share for vendor onboarding.

PCI DSS Level 1
Annual on-site assessment plus quarterly ASV scans; sub-merchants inherit the posture across every connected provider.
Compliance evidence pack
AoC, sub-processor list, DPA, SCC modules and security-questionnaire templates ready for procurement / vendor-onboarding.
Scheme programmes
Visa VDMP / VAMP / VFMP and Mastercard ECP / EFMP positions surfaced per connected acquirer; routing weights can rotate around at-risk lanes.
SCA & PSD2
Selective 3DS2 on the authorisation path keeps approval high in Europe without skipping the SCA bar.
Sanctions & AML alignment
Sanctions screening on onboarding; AML monitoring tuned per entity, vertical, volume and country mix.
Licensed verticals only
Licensed gaming, regulated financial services and other compliance-bound verticals supported only where current operating licences exist. Grey and black-market verticals are out of scope regardless of enterprise size.

Ready for an enterprise discovery

Consolidate every entity onto one enterprise payment platform.

An enterprise discovery covers your legal-entity tree, acquiring relationships per entity, identity-provider and ERP integration, and a phased cutover plan under a documented SLA. Sandbox parity is available from day one.

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Frequently asked

Buyer questions about the enterprise payment platform on topropay

Definitions, multi-entity mechanics, identity / RBAC depth, SLAs, attestations and the practicalities of an enterprise rollout.

  1. 01

    What does topropay deliver as an enterprise payment platform?

    topropay delivers a multi-entity orchestration layer in front of card, bank-rail, wallet, BNPL and crypto connectivity. The enterprise payment platform layer adds legal-entity hierarchy, SAML SSO + SCIM, RBAC at acquirer × action level, an audit-grade event log, documented SLAs and procurement-friendly compliance evidence — on top of the same routing, vault and reconciliation primitives every merchant gets.

  2. 02

    How do enterprise payment systems on topropay handle multiple legal entities?

    Enterprise payment systems on topropay are modelled as a parent enterprise with N child legal entities. Each entity has its own acquiring relationships, settlement bank accounts, currencies and chargeback programme positions. Finance reads consolidated ledgers across the group; operators can scope their work to a single entity through RBAC.

  3. 03

    What enterprise payment solutions are bundled at the enterprise tier?

    Enterprise payment solutions bundled at the enterprise tier include multi-entity hierarchy, SAML SSO + SCIM, RBAC, an audit-grade event log, treasury-friendly per-currency settlement, ERP / billing / CRM connectors, documented uptime SLA, severity-tiered support and a named Customer Success Manager.

  4. 04

    How is enterprise payment processing different from SMB processing on topropay?

    Enterprise payment processing on topropay uses the same underlying API and routing engine as SMB processing — the enterprise tier adds the org-and-identity surface (entities, SSO, RBAC), the procurement-side artifacts (DPA, SCC, sub-processor list, AoC) and the operational guarantees (documented SLA, named CSM). The payment-rail capabilities are identical.

  5. 05

    What enterprise payment processing solutions does the platform offer for global rollouts?

    Enterprise payment processing solutions for global rollouts pair per-entity acquiring panels (EU, UK, US, APAC, LATAM) with one unified API surface for the merchant's product engineering. New geographies are onboarded as new entity + acquirer relationships, not new integrations; the merchant's code doesn't change to support a new region.

  6. 06

    Is there a single enterprise payment gateway endpoint?

    Yes. The enterprise payment gateway endpoint is the same unified API the rest of the platform exposes. Scheme detection (Visa, Mastercard, Amex, Discover, JCB, RuPay) and rail detection (ACH, SEPA, wallet) run against the BIN and method type. The gateway sits in front of every connected acquirer across every entity.

  7. 07

    How does the enterprise payment processing system surface to finance teams?

    The enterprise payment processing system surfaces to finance as one consolidated ledger across entities, with per-entity rollups, multi-currency settlement breakdowns, interchange and scheme-fee itemisation, and ERP-ready exports. Daily exports as CSV or via API; ERP connectors push settlement rows straight into systems of record.

  8. 08

    What identity providers does the platform support for SSO?

    SAML 2.0 is the supported SSO protocol — covering Okta, Azure AD / Entra ID, Google Workspace, OneLogin, JumpCloud, Ping and any other SAML-compliant IdP. SCIM provisioning automates user lifecycle from the IdP into topropay roles.

  9. 09

    How granular is the RBAC model?

    RBAC is granular at the acquirer × action × amount-threshold level. A finance role can be granted refund permission up to a per-transaction cap on a specific acquirer for a specific entity, with dual-control on amounts above the cap. The role catalogue ships with sensible defaults (operator, finance, dispute analyst, read-only) that enterprises customise.

  10. 10

    What does the audit-grade event log capture?

    The audit-grade event log captures every state transition on every transaction (authorisation, capture, settlement, refund, dispute, void) plus every operator action in the dashboard (login, role change, refund justification, dispute response submission). Each row is signed, tagged with actor identity, IP, user-agent and timestamp, and immutable.

  11. 11

    What's the SLA at the enterprise tier?

    The enterprise-tier SLA covers documented uptime targets on the orchestration platform (the connected acquirers carry their own SLAs separately), severity-tiered support response times (Sev-1 in minutes during business hours, with on-call coverage outside them) and credit terms for unmet uptime targets. The exact numbers are written into the master agreement.

  12. 12

    How does the platform handle SOC, ISAE, ISO and other attestations?

    topropay's compliance posture includes PCI DSS Level 1 with annual on-site assessment, with additional attestations as part of the procurement evidence pack. Sub-processors are listed; DPAs and SCC modules are available where required by the merchant's data-protection counsel.

  13. 13

    Can the platform handle high-value treasury flows?

    Yes. High-value treasury flows ride the same orchestration but with per-action amount thresholds, dual-control, dashboard-audit on every override and treasury-friendly per-currency settlement to per-entity bank accounts. The platform doesn't impose payout caps; those sit with the connected acquirer or bank-rail partner.

  14. 14

    What's the typical enterprise onboarding timeline?

    Enterprise onboarding from contract to first transaction in production runs 6–12 weeks depending on the number of entities, the depth of ERP integration and the security-review timeline. Sandbox parity covers the full flow from day one; the variable is procurement, security review and the merchant's internal change-management.

  15. 15

    How does the platform compare to in-house enterprise payments engineering?

    In-house enterprise payments engineering means owning the per-acquirer integrations, the BIN-based routing logic, the scheme-rule updates, the dispute aggregation, the reconciliation normalisation and the operator surface. topropay's enterprise payment platform delivers the same outcome (multi-entity acceptance across many connections with audit-grade controls) without the merchant maintaining a per-provider integration project.

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