For Platforms

Your brand.
Our rails.

White-label PayFac. Sub-merchants under your platform identity. Fees land in your ledger. No MTL required.

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Your Platform
Merchant A
Merchant B
Merchant C
Stripe Connect — destination charges
ADR-18: platform as merchant of record

Platform capabilities

Full PayFac stack.
Zero infrastructure work.

Destination charge model

All charges run on your Stripe platform account. Funds route to sub-merchants via transfer_data[destination]. application_fee_amount lands in your ledger.

Atomic sub-merchant provisioning

POST /api/v1/platform/sub-merchants creates a Stripe Custom account, seeds merchant row, and sets pricing rules in one atomic transaction.

Per-platform fee rules

Custom interchange rates per merchant category (individual vs business). fetch_pricing_rule() queries by platform_id + method + category.

Dual cashback rails

Merchant-configurable cashback_open_rate_bps (spendable anywhere) and cashback_restricted_rate_bps (locked to merchant, P2P-transferable).

Platform-wide analytics

GMV sweep, refund rate, per-merchant cohorts. health_sweep_daily cron (0 2 UTC) aggregates across all sub-merchants.

Dispute management

Ops MCP tools: resolve_dispute proxies via BFF HMAC to core-rs. Platform tenant auth validates cross-tenant access.

Pricing

Grow together.

Platform pricing is indicative — contact sales for confirmed rates.

Starter
$0 /month
Under $100K GMV
  • Full API access
  • Up to 50 sub-merchants
  • Standard support
Get started
Growth
0.3% revenue share
$100K–$1M GMV
  • Unlimited sub-merchants
  • Custom fee rules
  • Dedicated onboarding
  • Priority support
Talk to sales
Enterprise
Custom
$1M+ GMV
  • White-label everything
  • Custom SLA
  • Shared rev on analytics
  • Enterprise support
Contact us