For ISVs and vertical SaaS

Integrated payment solutions — embed payments inside your product.

Ship checkout, vault, sub-merchant onboarding and reconciliation as features of your own product. topropay sits underneath, white-labelled, with one API and one ledger across every connected provider — your engineering team integrates once, then ships payments at the same pace as the rest of your roadmap.

Book an ISV review Read the API docs
Embed
checkout, vault and payouts inside your product
White-label
branded surfaces for your downstream merchants
Sub-merchants
onboarded against your platform record
Revenue share
transparent splits on every connected provider

Build vs partner vs platform

Integrated payment systems: three paths an ISV can take

Five axes that tend to separate building integrated payments from scratch, partnering with a single provider, and embedding topropay's integrated-payments shape under your brand.

Axis Build it yourself Single-provider partner topropay-integrated
Time to live 9–18 months engineering 3–6 months per provider integrated 4–8 weeks against one unified API
Provider coverage Whatever you build One provider at a time 60+ connected providers, one integration
Sub-merchant model Build KYB/AML from scratch Per-partner onboarding stack Sub-merchant onboarding inherited from the platform
Reconciliation Build a ledger Per-provider settlement files One normalised ledger across the panel
Revenue share Set per merchant manually Per-partner pricing model Configurable splits per connected provider

Key benefits

Why ISVs pick this integrated payment processing shape

Four properties that show up when an ISV stops bolting on a payments tab and starts treating payments as a first-class product line.

  1. 01

    Ship integrated payments inside your product, not next to it

    Checkout, vault, payouts and reconciliation live behind your brand and inside your product's UX. No external dashboard the merchant has to log into; no separate integration their finance team has to learn.

  2. 02

    Sub-merchant onboarding inherited

    KYB, KYC, AML screening and sanctions checks run against the platform record; your downstream merchants ride the platform's underwriting posture rather than building their own.

  3. 03

    Transparent revenue splits

    Configurable per-provider revenue splits surface in the dashboard. Your share, the connected provider's share and the merchant's net all appear on every reconciliation row.

  4. 04

    Coverage that scales with you

    Adding a new geography means enabling a connected provider, not running a new integration project. Your product picks up the new coverage automatically across every sub-merchant.

How an integrated payment platform rolls out

From integration kick-off to first sub-merchant transaction in five steps

What an ISV actually does between signing the contract and routing its first sub-merchant's transaction.

  1. 01

    Integrate the unified API once

    Your engineering team integrates topropay's REST + webhook surface inside your product. The hosted surfaces, vault and routing engine come with the integration.

  2. 02

    Configure your sub-merchant flow

    KYB form fields, AML screening rules and underwriting policies are configured per your vertical. The platform underwrites; your product surfaces the result.

  3. 03

    White-label the hosted surfaces

    Hosted checkout, hosted invoice pay links and the merchant dashboard get your brand colours, logo and copy via the dashboard's CSS overrides.

  4. 04

    Onboard downstream merchants

    Your downstream merchants sign up inside your product; the platform creates their sub-merchant record, runs underwriting and turns on the agreed methods.

  5. 05

    Earn, reconcile, repeat

    Every authorisation on a sub-merchant's traffic produces a reconciliation row with your share split. Daily exports or webhook events keep your finance system in lockstep.

Main use cases

Where integrated payments companies put the platform to work

Six recurring ISV shapes that embed the integrated-payments stack — vertical SaaS, marketplaces, PSPs reselling downstream, platform-embedded checkout, subscription SaaS and embedded-finance brands.

  • VertSaaS

    Vertical SaaS — your software, your payments

    Practice management for clinics, salons, fitness studios; field-services and home-services SaaS; restaurant POS software. Payments become a margin line, not a feature you outsource.

  • MP

    Marketplaces with two-sided settlement

    Buyers pay through your branded surface; sellers receive payouts the next day. Holds, escrow-style flows and dispute interruption handled by the platform.

  • PSP

    PSPs reselling the panel downstream

    Resellers / PSPs inherit the connected provider panel and configure independent routing policies per downstream merchant. The PSP keeps the relationship and pricing.

  • Plat

    Platforms with embedded checkout

    B2B platforms embed the hosted checkout inside their buyer surface; sellers configure their methods through the platform's UX, not topropay's.

  • Subs

    Subscription SaaS with their own customers

    Your customers run their own subscription billing through your product; topropay's recurring engine sits underneath, with cancel and proration handled in your UX.

  • Fin

    Embedded-finance brands

    Card-issuing, payouts and acceptance from one platform; brands that want to layer financial products on top of their existing software.

Platform features

Capabilities of the integrated payment platform

Twelve capabilities split into ISV-facing primitives (the surface an ISV integrates against) and the underlying platform (the engine that runs underneath).

ISV-facing primitives

  • Sub-merchant API

    Create, update and underwrite sub-merchants programmatically; events for every state transition.

  • White-label hosted surfaces

    Hosted checkout, invoice pay links and merchant dashboard branded with your colours, logo and domain.

  • Per-merchant routing policies

    Independent routing weights and method lists per downstream merchant inside your platform.

  • Revenue-share configuration

    Per-provider, per-merchant or per-vertical revenue splits surfaced in the reconciliation feed.

  • Webhook + event firehose

    Lifecycle events for every authorisation, capture, settlement, refund and dispute across your sub-merchants.

  • Reseller / partner roles

    Dashboard roles for ISV staff vs sub-merchant staff vs platform operators; least-privilege per role.

Underlying platform

  • 300+ payment methods

    Cards, ACH, SEPA, wallets, BNPL and crypto reachable through the same unified API.

  • Smart routing across providers

    Per-transaction scoring across the connected panel; soft declines cascade to the next ranked provider.

  • PCI DSS Level 1 vault

    Card data captures into the platform vault before any connected provider sees it.

  • Network tokens & updaters

    VTS / MDES network tokens by default; scheme updaters keep saved credentials alive.

  • Unified dispute queue

    Card chargebacks, ACH returns and SEPA SDD chargebacks share one queue with evidence-pack templates.

  • One reconciliation feed

    Settlements, fees, refunds, chargebacks and revenue splits in one normalised ledger.

Trust & compliance

Compliance posture inherited by every embedding ISV

One audited environment underpins the integrated-payments stack. ISVs and their sub-merchants inherit the relevant posture rather than carrying separate certifications themselves.

PCI DSS Level 1
Annual on-site assessment plus quarterly ASV scans; ISVs and their sub-merchants inherit the posture across every connected provider.
Sub-merchant underwriting
KYB, KYC, sanctions screening and AML monitoring run at the platform level; ISVs don't carry the underwriting compliance themselves.
SCA & PSD2
Selective 3DS2 on the card path keeps approval high in Europe without skipping the SCA bar.
Bank-rail mandate handling
NACHA authorisations for ACH, SEPA mandate IDs for SEPA Direct Debit; captured and retained per scheme rules.
Scheme programmes
Visa VDMP / VAMP / VFMP and Mastercard ECP / EFMP positions surfaced per connected provider; routing weights rotate around at-risk lanes.
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 which ISV embeds the platform.

Ready to embed payments

Bring integrated payments inside your product.

A 30-minute ISV review covers your vertical, the connected providers relevant to your downstream merchants, the white-label surfaces that match your UX, and a sandbox to test against before any commercial commitment.

Book an ISV review Read the API docs

Frequently asked

Buyer questions about integrated payment solutions on topropay

Definitions, sub-merchant model, revenue shares, integration timelines and the practicalities of running payments as a first-class line inside an ISV's product.

  1. 01

    What does topropay mean by integrated payment solutions?

    Integrated payment solutions on topropay are the ISV / platform-embedder shape of the product: an ISV embeds checkout, vault, payouts, sub-merchant onboarding and reconciliation inside its own product UX. The end-merchant signs up with the ISV, runs payments through the ISV's branded surface, and never logs into topropay directly.

  2. 02

    How do integrated payment systems differ from a standalone gateway integration?

    Integrated payment systems are designed to live inside another product. The standalone gateway integration is a developer integration; the integrated-payments shape adds sub-merchant onboarding, white-label hosted surfaces, per-merchant routing, revenue-share and reseller / partner roles on top — so the ISV's product is the surface the merchant sees, and topropay sits underneath.

  3. 03

    What does integrated payment processing actually consist of?

    Integrated payment processing on the platform combines: a unified API for authorisation / capture / refund; the PCI L1 vault and tokenisation layer; smart routing across the connected provider panel; sub-merchant onboarding with platform-level underwriting; white-label hosted surfaces; the unified dispute queue; and the normalised reconciliation feed with revenue-share splits.

  4. 04

    Is the integrated payment platform really one product, or a bundle of components?

    It's one product surfaced through one API. The components (vault, routing, sub-merchant onboarding, hosted surfaces, dispute queue, reconciliation) share state — a transaction authorised through the routing engine produces a vault token that the recurring engine can re-use, that the dispute queue knows about and that the reconciliation feed closes out. Components don't run against separate data.

  5. 05

    Which integrated payments companies typically partner with topropay?

    Integrated payments companies that partner with topropay are typically vertical SaaS (clinics, salons, fitness studios, F&B POS software, field-services SaaS), B2B marketplaces, embedded-finance brands and PSPs reselling the panel downstream. The common pattern is an ISV whose product needs payments baked in rather than bolted on.

  6. 06

    What does 'integrated payment system issuer' mean in this context?

    Integrated payment system issuer is a phrase that pops up in card-issuing-adjacent searches. topropay's integrated-payments shape covers acceptance, payouts and reconciliation; card issuing (where the platform issues cards to the ISV's end users) is delivered through partner BIN-sponsor relationships in select geographies. The ISV doesn't become the issuer of record — that sits with the licensed partner.

  7. 07

    How are revenue shares configured for the ISV?

    Revenue shares are configured per connected provider, per merchant or per vertical in the dashboard. Every reconciliation row shows the gross authorisation, scheme + acquirer fees, the ISV's share and the merchant's net. Daily exports separate the ISV's share into its own line for finance posting.

  8. 08

    Can the ISV control which payment methods are available per downstream merchant?

    Yes. The ISV can enable or disable methods per downstream merchant (or per merchant group) through the dashboard or via the sub-merchant API. Per-method routing policies can be set independently per merchant; high-risk methods can be gated behind additional KYB.

  9. 09

    What's the typical time from contract to first integrated transaction?

    Typical time from contract to first integrated transaction is 4–8 weeks. The variables are the depth of ISV integration (hosted-only is fastest; deep SDK integration takes longer), the underwriting workflow tuning for the ISV's vertical, and any white-label customisation. Sandbox is available from day one.

  10. 10

    Does the ISV need to hold its own merchant accounts?

    No. Sub-merchant onboarding runs against the platform's underlying acquiring relationships — the ISV's downstream merchants ride the platform's MIDs on the sub-merchant model. ISVs that prefer the direct-MID model (each merchant gets their own MID with a connected acquirer) can choose that for specific merchants too.

  11. 11

    How does dispute handling work for an ISV's sub-merchants?

    Card chargebacks, ACH returns and SEPA SDD chargebacks for sub-merchants surface in the unified dispute queue tagged with the merchant ID. The ISV can choose to triage disputes itself, surface them to the merchant in the ISV's own UX, or let the merchant log in to the white-labelled dashboard. Evidence-pack templates per vertical speed representment either way.

  12. 12

    Can the platform handle vertical-specific compliance requirements?

    Yes. Vertical-specific compliance (e.g. licensed gaming jurisdictional checks, regulated-financial-services AML enhancements) is configurable at the underwriting layer. The ISV defines the vertical fingerprint of its merchant base; the platform applies the matching rules per merchant onboarded.

  13. 13

    How are method coverage and routing decisions made for a new sub-merchant?

    Method coverage starts from the ISV's default policy for the vertical; routing weights for the new sub-merchant inherit the ISV's defaults. The ISV (or the merchant via the white-label dashboard) can override per-method and per-currency from there. The routing engine picks the highest-EV provider per authorisation given the resulting policy.

  14. 14

    Is the integrated-payments shape suitable for high-volume ISVs?

    Yes. The platform is designed around multi-merchant scale: one ISV with hundreds or thousands of sub-merchants is the design point, not an edge case. Per-merchant configuration scales horizontally; the underlying routing and vault are shared infrastructure.

  15. 15

    How does the platform compare with building integrated payments in-house?

    Building in-house means owning the provider integrations, the vault and PCI compliance, the BIN routing engine, the dispute aggregation, the reconciliation normalisation, the sub-merchant underwriting flow, the scheme programme monitoring and the per-merchant configuration UX. topropay's integrated-payments shape delivers all of that under one contract; the ISV's engineering effort is focused on its own product.

Related

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