The payment infrastructure acquirers are missing.
Acquirers own the card relationship but lack the composite tooling to compete with full-stack platforms. We build the infrastructure that closes that gap — collections, commerce, settlement orchestration — all built around their existing rails.
The problem
Acquirers control card volume. But card-only isn't enough anymore.
Full-stack platforms won ecommerce by wrapping payments around real business workflows — invoicing, subscriptions, payouts, commerce. Traditional acquirers are losing ground because they don't offer the same composite stack. Fintechs and software companies are pulling payment flows away by bundling them under SaaS. We build the infrastructure that lets acquirers fight back — without rebuilding from scratch.
What we build
Built around acquirer rails.
Our propositions are distinct. Each extends the acquirer's existing card processing into new payment methods, new workflows, and new revenue.
01
B2B Commerce Platform
Two-sided white-label platform for trade merchants. Supplier portal, customer app, ERP-integrated, cloud-based invoice, order, and collection.
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02
Collections Platform
Self-serve collection platform spanning card, open banking, and direct debit. From manual payment requests to fully managed API integration with accounting platforms and ERP.
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03
Settlement Orchestration
Sits between acquirer and fund recipients. Receives split settlement and routes to configurable buckets — donations, tips, franchise royalties, vendor commissions, loan repayments. Powered by SplitHawk.
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04
Card Programme
Closing the loop between card acceptance and card spend. Routes acquiring settlement directly into the card account. Commercial and consumer cards powered by the acquirer's own transaction volume.
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05
Spend Enablement
Driving penetration of card spend through cardholder incentives and bespoke marketplace initiatives relevant to the merchant's industry. For commercial cards, targeted rewards and spend controls. For consumer cards, linking wages and tips to empower the workforce through relevant and better financial tools.
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How it works
We build around the acquirer's existing rails. Not instead of them.
Everything starts with the acquirer's card processing. We extend it with direct debit, open banking, and orchestration capabilities — turning card acquiring into a fully composite payment infrastructure.
01
Extend the rails
We connect to the acquirer's card processing and layer on direct debit and open banking. The acquirer keeps their card volume. We bring the payment methods they don't have — turning a card-only proposition into a composite one.
02
Turn acquiring into infrastructure
Card acceptance becomes just one layer in a stack that handles invoicing, collections, settlement routing, and commerce workflows. Payments wrapped around real business processes — delivered through the acquirer.
03
Build value for the merchant
The merchant gets tools they actually need — not just a terminal. Collections, B2B ordering, split settlement, workforce payments. The deeper the integration, the harder it is to leave. We build value for the merchant and moat for the acquirer.
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01
B2B Commerce Platform
Two-sided white-label platform that turns acquirer merchants into digital trade businesses.
How it works
The platform connects suppliers and their customers through a single white-label environment built around the acquirer's payment rails. Suppliers manage their product catalogue, pricing, and invoicing through a dedicated portal. Their customers place orders, pay invoices, and manage their accounts through a companion app — all branded by the acquirer or the merchant.
Capabilities
Supplier portal
Product catalogue, customer management, invoice creation, order tracking, and payment reconciliation in one interface.
Customer app
Order placement, invoice payment, account statements, and delivery tracking — branded for the merchant or the acquirer.
ERP integration
Cloud-based, ERP-integrated invoice, order, and collection. Connects to existing accounting and stock management systems.
SoftPOS
Accept card payments directly on a mobile device at point of delivery — no additional hardware required.
Marketing feed
Suppliers push promotions, new products, and pricing updates directly to their customer base through the platform.
Multi-tier deployment
Lite tier under the acquirer's brand or full white-label under each merchant's own brand.
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02
Collections Platform
Self-serve collection platform spanning card, open banking, and direct debit.
How it works
Businesses collect payments across all major methods — card, open banking, and direct debit — through a single platform. At the simplest level, create payment requests manually and send them via payment link. Connect standard accounting tools like Xero or QuickBooks to automate invoice collection. Or integrate with more sophisticated ERP and accounting platforms for a fully managed, bespoke setup. Payments can be collected in person, online, or via payment links.
Capabilities
Card collection
Accept card payments against outstanding invoices — in person, online, or via payment link.
Open banking
Account-to-account payments — instant settlement, lower cost than card. Seamless checkout for the payer.
Direct debit
Scheduled, recurring, and one-off direct debit collection.
Three tiers
Self-serve manual payment requests at one end. Pre-built integrations with Xero, QuickBooks, and standard accounting tools in the middle. Fully managed bespoke integration with ERP and accounting platforms at the other.
Invoice matching
Automatic reconciliation of payments against invoices from the connected accounting or ERP platform.
Unified dashboard
Single view across all payment methods and channels — in person, online, payment links — with real-time status, reporting, and export.
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03
Settlement Orchestration
Configurable split settlement routing between acquirer and fund recipients. Powered by SplitHawk.
How it works
SplitHawk sits between the acquirer's settlement engine and the final fund recipients. When the acquirer processes a transaction, SplitHawk receives the split settlement instruction and routes funds to configurable buckets — each with its own rules, recipients, and payout schedule. The merchant configures their splits once; every subsequent transaction is automatically routed.
Capabilities
Configurable buckets
Donations, tips, franchise royalties, vendor commissions, loan repayments — each with independent routing rules and recipients.
Split rules engine
Percentage-based, fixed-amount, tiered, or conditional splits. Rules can vary by transaction type, time of day, or merchant location.
Workforce app
Companion app for tip recipients — real-time visibility of earnings, payout history, and instant access to funds.
Acquirer integration
Connects directly to the acquirer's split settlement capability. Acquirer-agnostic by design — works with any split settlement engine.
Payout scheduling
Daily, weekly, or custom payout cycles per bucket. Recipients receive funds on their own schedule.
Reporting & compliance
Full audit trail of every split, every payout, every recipient. Exportable for tax and regulatory reporting.
How it works
The card programme routes acquiring settlement directly into the card account — closing the loop between the money a merchant receives and the money their business or workforce spends. Two schemas run in parallel: a commercial card for the business (spend controls, rewards, optional settlement-to-card) and a consumer card for the workforce (tip distribution, earned wage access).
Capabilities
Commercial card
Commercial card for SMEs. Spend controls, category restrictions, and real-time transaction visibility for the business owner.
Consumer card
Consumer card for the workforce. Tips and earned wages distributed via split settlement land directly on the card.
Settlement-to-card
Acquiring settlement routed directly into the commercial card account — the merchant's income funds their business spending without a manual transfer.
Rewards programme
Configurable rewards structure tied to card spend. Interchange-funded, acquirer-branded.
Real-time disbursement
Merchants access revenue in real time rather than waiting for batch settlement cycles. Immediate access to funds as transactions are processed.
Earned wage access
Workers see earnings accumulate in real time and access funds immediately — no waiting for weekly or monthly pay runs. A model that is rapidly becoming standard, powered by split settlement routing from the acquirer.
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05
Spend Enablement
Driving penetration of card spend through cardholder incentives and industry-relevant marketplace initiatives.
How it works
Once the card is in the cardholder's hands, the value depends on activation and ongoing spend. Spend enablement is the layer that drives both — through targeted incentives, merchant-relevant offers, and financial tools that make the card the default payment method. For commercial cards, this means driving business spend through the card with category-relevant rewards. For consumer cards, this means empowering the workforce with tools that make their earnings go further.
Capabilities
Cardholder incentives
Targeted rewards and cashback offers based on cardholder spend patterns and merchant industry. Funded by interchange or merchant participation.
Marketplace initiatives
Bespoke marketplace programmes relevant to the merchant's industry — supplier discounts, trade offers, and procurement incentives that drive card spend through natural business activity.
Dynamic retailer discounts
Consumer cardholders access real-time discounts at participating retailers — making the card more valuable than a standard bank account.
Financial tools
Budgeting, savings pots, and earnings tracking for consumer cardholders. Designed to empower workforce recipients with better visibility and control over their money.
Spend analytics
Aggregated spend data across the card programme — category breakdowns, activation rates, and spend velocity. Available to the acquirer and participating merchants.
Activation campaigns
Automated onboarding sequences, first-spend incentives, and dormancy re-engagement — driving active card usage from day one.
