Built for autonomous commerce and software companies to power every transaction. In-store, online, in-app and even agentic through one single infrastructure.
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Trusted by these (and more)
Built for Builders
Legacy processors weren't built for developers or AI agents. We were.
Surfboard is acquiring-agnostic, multi-cloud, and completely API-first - a platform where every part of the payment flow is programmable, open, and fast. Built for both human developers and autonomous systems.
Integrate once, and you get everything: merchant onboarding, terminals, SoftPOS, loyalty, tips, payouts, analytics - all through the same API.
// Create order and initiate payment in one call
{
"terminal$id": "8386af3b0f71b80b04",
"comments": "Test payment",
"customer": {
"person": { "name": { "firstName": "Jes", "lastName": "Priskus" }, "email": "jes@example.com" }
},
"orderLines": [ { "id": "ITEM123", "name": "Goal", "quantity": 3, "amount": { "total": 189100, "currency": "752" } } ],
"controlFunctions": {
"tipsMode": "ROUNDUP",
"delayCapture": true,
"delayPayout": "1d"
}
}
Autonomous agents, software platforms, and AI-native businesses need payment rails that never sleep. Surfboard is the infrastructure layer that moves money for the next era of commerce.
One Platform
Any acceptance type. Unified integration across all channels.
Single API, multiple solutions - streamline your payment infrastructure with one powerful platform.
Read more about the API →In-store, online, unattended, kiosk, and Tap to Pay.
Multi-device setup with prebuilt checkout SDKs. From countertop to the floor - from self-checkout to SoftPOS. Everything starts with a transaction between consumer and merchant.
Check out our payment devices →Value-Added Services
Loyalty, tips, QR campaigns, receipts & analytics.
Pre-built loyalty program in every consumer's phone without app download. All run through the wallet and loyalty tokens across alternative payment methods.
Platform Infrastructure
Embedded payout logic for commissions, workforce tips, and vendor splits.
Dynamic acquiring, multi-cloud setup. Switch payments however partners or merchants want - multiple acquirers, liability through multi-cloud, payout logics and more.
Every Channel. One Integration.
Whether a human taps a card, an agent triggers a checkout, or a kiosk processes a sale - it all flows through the same API. One integration gives you every channel, every insight, every payout.
Centralized Intelligence
All transactions, regardless of origin, flow into a centralized platform that powers actionable insights and advanced features like tokenization, loyalty triggers, and flexible payouts.
Multi-Cloud Setup
Constant uptime across the three biggest cloud providers - built for those who need guarantees.
Alternative Payment Methods
One platform, one payout - supporting all major payment methods and local schemes.
White-Label Functionality
Brand it like you want - complete white-label capabilities across everything.
Infrastructure That Scales With You
We've seen what outages do to payments - so we built something that can't go down.
Surfboard runs live across Google Cloud, AWS, and Azure, three independent PCI-certified providers that work in sync. If one cloud slows, traffic moves instantly to the next. No waiting. No downtime.
Multi-cloud doesn't just mean backup - it means speed.
Supported Payment Methods
Here are the payment methods we support across our platform:
Beyond the Payments
Payments are just the beginning.
With Surfboard, every transaction becomes a moment to connect - to thank, reward, and re-engage. Loyalty. Tips. Wallet-based rewards. Analytics that tell a story instead of just reporting numbers.
All built right into the payment flow - no extra tools, no plug-ins, no downtime.
Ready to power payments in the AI era?
Book a call to see how Surfboard can be the payment infrastructure behind your software.
The payments infrastructure behind your brand.
Fill out the form below to get in touch with us. We want to talk more about how we can help you to enable payments to your current software solution
Surfboard Payments in the press
Surfboard Payments Now Offers Tap to Pay for Customers in Norway to Accept Contactless Payments
Dagens IndustriSurfboard Payments Now Offers Tap to Pay for Customers in Norway to Accept Contactless Payments
TradingViewApple Expands Tap to Pay on iPhone to Estonia, Latvia, and More
WebPro NewsSurfboard Payments Now Offers Tap to Pay for Customers in Finland to Accept Contactless Payments
Fintech FinanceSwedish startup partners with Apple to enable contactless payments
Arctic StartupTap to Pay on iPhone expands to more European countries
AppleSurfboard Payments offers Tap to Pay for Swedish customers
The PaypersSurfboard Payments Announces Partnership With Cardstream Group to Deliver Innovative Payment Solutions
Fintech FinanceSurfboard Payments partners with Cardstream Group
The PaypersSweden's Surfboard Payments expands into online payments
IBS IntelligenceSURFBOARD PAYMENTS AND WORLDLINE ENTER INTO A STRATEGIC PARTNERSHIP
Financial ITSurfboard Payments and Worldline Empower Businesses with Seamless Payments
Fintech FinanceSurfboard Payments partners with Worldline
The PaypersSurfboard Payments och Worldline ingår ett strategiskt partnerskap
IT-BranschenSurfboard Payments erhåller svensk licens som betalningsinstitut
Fintech TodaySurfboard Payments app delivers next-generation checkout experiences for merchants of any size
Google CloudSurfboard Payments expands into online payments
The PaypersSurfpay by Surfboard Payments
VISASurfboard Payments AB har beviljats en licens som betalningsinstitut från Finansinspektionen.
IT-FinansNu lanseras Surfpay One
IndustritorgetFestival food cart operator rolls out contactless payments acceptance on standard NFC phones
NFCWNy betallösning testas lokalt – Mariestadsbon Neal tror på global succé
MariestadstidningenTrusted to Solve Challenges
Licensed, regulated, and built for complexity.
Operating under the Swedish Financial Supervisory Authority, Surfboard delivers white-label payment infrastructure you can rely on. Whether in-person, online, or through autonomous agents - we handle the regulatory complexity so you can focus on building.
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