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Embedded Payments Partners

Create, manage, and act on behalf of your merchants

This solution is available in the United States, Canada, and the United Kingdom.

An embedded payments partner is an integrated software provider that connects to our API. With this type of partnership, you can offer end-to-end merchant services directly within your applications, while providing a cohesive and customized experience for your customers — without the overhead of becoming a registered payment facilitator.

How it works

While an embedded payments partner maintains the merchant relationship and user interface, we handle the backend processes, including compliance, settlement, and transaction processing. You then onboard the merchants into your partnership and provide an interface that allows them to manage their accounts, view reporting, and respond to disputes — all within your platform.

Unlike registered payment facilitators, you don’t need to register with a sponsor bank or handle regulatory due diligence directly. We take care of compliance, settlement, underwriting, and risk monitoring, so you can focus on building a great merchant experience.

A partner's responsibilities

As an embedded payments partner, you'll focus on:

Hosting a merchant-boarding application UX/UI and using our API to provide a streamlined boarding experience
Providing a payment-acceptance experience (that is, a means by which a merchant processes payments through your software/interface)
Providing a portal for merchants to access transaction reports, monitor activity, and keep their merchants’ data up to date
Keeping your merchants informed about account updates, required actions, dispute activity, and settlement or funding status
Providing first-line support to merchants

Our responsibilities

We'll handle much of the regulatory aspects typically required of a registered payment facilitator, including:

Due diligence during merchant boarding, including “know your customer” (KYC) validation and ensuring adherence to financial regulations
Merchant underwriting
Settlement/funding (however, you can trigger money movement with the API)
Maintain the payment-processing infrastructure and sponsor bank relationships.

Key features

Leverage our suite of APIs and tools to enhance your platform’s capabilities.

Instant Merchant Boarding

Board merchants using our APIs while maintaining control over the user experience.

Board a Merchant

Create and enable a new merchant.

Upload a Validation Document

Upload documentation for additional review of beneficial owner validation.

Merchant Management & Reporting

Have full control over your portfolio of merchants, and manage their account data.

Retrieve Merchant and Account Reports

Retrieve details about your merchants.

Update Merchant Data

Perform updates on merchant business, owner, or payment method data.

Online Payments

Take payments securely online while meeting PCI DSS security requirements.

Plugins

Tap into the world’s leading retail shopping carts and platform extensions.

Hosted Fields

Prebuilt, customizable fields that accept customer card data via a secure single-use token for payments.

Drop-In-UI

Use prebuilt UI components to enhance your checkout.

Direct API & SDK

Take full control of your payment flow with our REST API or SDKs.

Manage Payments

Our API has functions for everything you need to run your business successfully.

Capture

Perform a pre-authorization for a delayed capture.

Refund

Give money back to the cardholder.

Reverse

Void an authorization, capture, refund, or credit request.

Verify

Check a card’s validity and balance before a sale.

Real-Time Data Reporting

Access up-to-the-minute insights and a complete audit trail of all account activities.

Tokenization

Securely store and manage payment methods on our API in any region and both online and in-store.

Card Storage

Securely store card data with no increased PCI DSS compliance requirements.

Payment Methods

Let customers pay securely with just a scan, tap, or click.

Decrypted Digital Wallets

Securely process tokenized card details received from third-party wallets like Apple Pay and Google Pay.

Next steps

Test your integration

To get started, contact our Integration Support team to request Partner-level Sandbox credentials.

Complete all testing requirements

We expect that you’ll run through some basic checks to make sure your integration works properly. But there are other types of questions that we’ll ask during the validation process that you may not have thought of — for example, whether your integration can handle expired or invalid access tokens and other errors, or whether the Reference field is populated with a unique value for every transaction. To help you think through your end-to-end solution, contact your account manager to schedule a “platform integration design” call.

Validate your integration

If you’re integrating directly with our API or via an SDK to accept online payments (card not present), you’ll have to go through a validation process with us. As mentioned in the previous section, we’ll have some questions for you to make sure everything is in order.

To get the validation process started, please contact your relationship manager.

Receive Production credentials

Once you’ve completed your partner agreement and integration validation, you’ll receive your Production credentials (an App ID and an App Key). These credentials are tailored to the capabilities you certified and signed up for (for example, Merchant Boarding, Transaction Processing, Tokenization, Disputes Management, and so on).

Use your Production credentials in the heading of API requests instead of what you used for testing in the Sandbox environment. You’ll also need to change your integration from the Sandbox endpoint to Production:

Sandbox: https://apis.sandbox.globalpay.com
Production: https://apis.globalpay.com

Now you can start boarding merchants. However, you’ll want to start slowly and test the first few transactions (see next section).

Test real transactions

The final step is to do a little testing in Production and process a real transaction. It’s important to confirm that your integration works as expected and also that the merchant’s funds are deposited into the correct bank account. Once that’s been done, you’re good to go. Congratulations!

If you have any issues, our Integration Support team is here to help you and answer any questions.

Policies

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Additional Resources