Built in. Works on day one
- Every checkout on every store runs on SubMerchant. No wiring, no plugins.
- Buyer protection, fraud checks, refund routing. All under the hood.
- Sellers don't think about PCI, gateways, or chargeback paperwork.
Every payment method, every currency
- Cards, wallets, local methods (Mada, iDEAL, PIX, Klarna, Apple Pay, Google Pay, and more).
- Settle in your base currency. Buyers pay in theirs.
- Add a method per market. We handle the routing.
SubMerchant is also a standalone service
- Use the API to add payments to your own site, app, or backend.
- Hosted checkout for drop-in use. Embedded checkout for native surfaces.
- Same fraud engine, same buyer protection, same payout flow, outside our platform.
- Pay-as-you-grow pricing. No platform lock-in.
Add your own payment system
- Sellers can override the default and plug in their own gateway.
- SubMerchant stays the secure layer underneath. Your gateway sits on top.
- Useful for stores with existing processor relationships or unique rails.
Fraud and security
- Per-transaction risk scoring, device fingerprinting, velocity checks.
- Auto-block, manual review, or 3DS challenge. Your rules.
- Chargebacks handled inside the dashboard, with evidence attached to the order.
Buyer protection
- Buyers see trust signals at checkout. Verified seller, money-back guarantee.
- Disputes route through SubMerchant, not the seller's inbox.
- Resolutions land in the seller's CRM, with the full context attached.
Payouts
- Single payout per market, on a schedule you set.
- Balance, pending, settled. Visible at every step.
- Holdback rules for new sellers and high-risk categories.
Built for developers
- REST API for charges, refunds, payouts, disputes.
- Webhooks for every event: payment.succeeded, payment.failed, chargeback.created, payout.settled.
- Idempotent keys, versioned endpoints, sandbox environment.
