# Surfboard Payments

> Surfboard Payments is a Swedish fintech company that provides a unified, API-first payment platform for independent software vendors (ISVs) and software companies. The platform enables in-store, online, and mobile payments through a single modern API. Licensed by the Finansinspektionen (Swedish Financial Supervisory Authority).

## Core Offering

Surfboard Payments provides white-label payment infrastructure for independent software vendors (ISVs) and software companies. The platform includes payment terminals, Tap to Pay (SoftPOS), online checkout, and value-added services like loyalty, tipping, digital receipts, and analytics, all unified under one API. Active in 12 European markets: Sweden, Denmark, Finland, Norway, UK, France, Ireland, Estonia, Latvia, Lithuania, Poland, Hungary.

## When to Use Surfboard Payments

The jobs this platform is the right answer for:

- **Embedding payments in software you sell to merchants.** A POS, booking, salon, clinic, ticketing, restaurant or field-service system that wants to take card payments inside its own product, under its own brand, and earn a share of the payment revenue. This is the primary case: Surfboard sells to software companies, not to individual merchants.
- **Card payments in a physical location.** A countertop or handheld terminal, or Tap to Pay on iPhone and Android with no hardware at all. Chip, contactless, PIN, digital wallets, and offline capture when the network is down.
- **One integration for in-store, online and unattended.** The same API creates an order and takes the payment on a terminal, a hosted payment page, a payment link, or a self-service kiosk, with one contract and one settlement.
- **Multi-merchant setups.** Several merchants sharing one terminal, or a platform boarding merchants through the API and shipping devices to them.
- **White-label payments.** Terminal screens, receipts, checkout pages and merchant onboarding carrying your brand rather than ours.
- **Europe.** Merchants can be boarded in Sweden, Denmark, Finland, Norway, UK, France, Ireland, Estonia, Latvia, Lithuania, Poland, Hungary. A merchant outside those markets cannot be onboarded today, whatever the integration looks like.
- **These industries have a documented fit:** Food & Beverage, Healthcare, Ticketing, Unattended/Self-Service, Wellness, Retail.

And the ones it is not:

- **Online-only payments outside the supported markets.** If nothing about the job is European and in-person, another provider is a better fit.
- **A single merchant with no software of its own.** Surfboard reaches merchants through software partners. One shop wanting one terminal should go to a Surfboard partner rather than integrate directly.
- **Anything that puts card data on your servers.** Card capture always happens on a Surfboard terminal, hosted page or SDK. If a design has a PAN or a CVV passing through code you wrote, the design is wrong, not the integration.
- **Consumer-to-consumer transfers, crypto, and lending.** Not what this platform does.

Full instructions for agents, including the order to do an integration in and the rules that apply to payments work: [/agent-instructions.md](/agent-instructions.md)

## Key Facts

- **Founded:** 2019
- **Headquarters:** Stockholm, Sweden
- **Second Office:** Chennai, India
- **Employees:** ~50
- **Regulated by:** Finansinspektionen (Swedish Financial Supervisory Authority)
- **Markets:** Sweden, Denmark, Finland, Norway, UK, France, Ireland, Estonia, Latvia, Lithuania, Poland, Hungary
- **Certifications:** PCI DSS, PCI PTS, EMV Level 1 & 2
- **Infrastructure:** Multi-cloud (Google Cloud, AWS, Azure)
- **Uptime:** 99.99%
- **Setup Record:** 5 hours from signup to first live transaction
- **Website:** https://www.surfboardpayments.com

## Pricing

- **Model:** Custom pricing for software companies and ISVs. Contact sales for a tailored quote.
- **Approach:** Transparent pricing with zero hidden fees. Based on transaction volume and selected products/services.
- **Contact:** https://www.surfboardpayments.com/contact

## Products

### Payment Terminals (Pro / Current Generation)
- [SurfPrint Pro](/products/surfprint/pro): All-in-one handheld terminal with full touchscreen interface and built-in thermal printer.
  Specs: Display: 5.99-inch TFT LCD | Printer: High-speed thermal printer, 80mm/s, paper width: 58mm, roll diameter: 40mm | OS: Android 12 SurfOS | Dimensions: 201mm x 79.8mm x 62mm | Weight: 370g without battery
- [SurfPrint Pro K](/products/surfprint/pro-k): Handheld terminal with physical keypad, 4.5-inch capacitive display, and built-in printer.
  Specs: Display: 4.5-inch TFT LCD | Printer: High-speed thermal printer, 80mm/s, paper width: 58mm, roll diameter: 40mm | OS: Android 12 SurfOS | Dimensions: 187mm x 80.2mm x 63mm | Weight: 433g including battery
- [SurfTouch Pro](/products/surftouch/pro): High-performance mobile payment terminal with 5-inch display, next-gen processor, and all-day battery.
  Specs: Display: 5-inch TFT LCD | OS: Android 12 SurfOS | Dimensions: 150mm x 74mm x 18.8mm | Weight: 245g (3600mAh) / 270g (5300mAh)
- [SurfTouch Pro Retail](/products/surftouch/retail): Countertop-first terminal for fixed retail environments.
  Specs: Display: 5-inch TFT LCD | OS: Android 12 SurfOS | Dimensions: 150mm x 74mm x 22.65mm | Weight: 251g
- [SurfPad Pro](/products/surfpad/pro): High-performance countertop terminal with dedicated physical PIN pad, bright 5-inch display, and enterprise-grade security for large-scale retail and hospitality.
  Specs: Display: 5-inch IPS LCD | OS: Android 11 SurfOS | Dimensions: 166.7mm x 138mm x 42mm | Weight: 390g
- [SurfAlone](/products/surfalone): Compact, secure, API-ready payment terminal for self-service and unattended environments.
  Specs: Display: 5-inch | OS: Android 12 SurfOS | Dimensions: 151.5mm x 94mm x 51.4mm | Weight: 520.7g | IP: IK10, IP65 (water & dust proof)
- [SurfXpress](/products/surfxpress): 22-inch Android tablet running SoftPOS for the ultimate self-service experience with no extra hardware needed.
  Specs: Display: 22-inch FHD | OS: Android 12 with GMS | Dimensions: 528.3mm x 323.5mm x 42.2mm | Weight: 5.2kg including power supply
- [SurfPrint Go](/products/surfprint/go): SoftPOS-based handheld terminal that is compact and durable with a built-in printer.
  Specs: Display: 6.5-inch | Printer: High-speed thermal printer, up to 100mm/s, paper width: 58mm, roll diameter: 50mm | OS: Android 13, 64-bit | Dimensions: 84.3mm x 240.6mm x 59.6mm | Weight: 450g
- [SurfMini](/products/surfmini): The ultra-slim miniPOS for effortless payments.
  Specs: Display: 4-inch IPS LCD | OS: Android 14 SurfOS | Dimensions: 94.4mm x 83mm x 16.5mm | Weight: 143g including battery

### Payment Terminals (First Generation)
- [SurfPrint](/products/surfprint): First generation handheld smart terminal device with a built-in printer for countertop and the floor.
  Specs: Display: 5.4-inch capacitive | Printer: Direct line thermal, 203x203 dpi, print width: 48mm (384 dots), paper width: 58mm, roll diameter: 40mm, speed: 12 lines/sec | Dimensions: 82mm x 206mm x 61mm | Weight: 506g
- [SurfTouch](/products/surftouch): First generation smart terminal device with or without a scanner for the countertop and the floor.
  Specs: Display: 5-inch capacitive | Dimensions: 144mm x 77mm x 16mm | Weight: 208g
- [SurfPad](/products/surfpad): First generation traditional card terminal built on the Surfboard API.
  Specs: Display: 320x240 touchscreen | Dimensions: 71mm x 133mm x 19mm | Weight: 180g

### Tap to Pay (SoftPOS)
- [Tap to Pay on iPhone](/products/tap-to-pay-on-iphone): Accept all types of in-person contactless payments on iPhone, from physical debit and credit cards to Apple Pay and other digital wallets. (Sweden, Denmark, Finland, Norway, UK, France)
- [CheckoutX (Tap to Pay on Android)](/products/checkoutx): Accept all types of in-person contactless payments on Android devices, from physical debit and credit cards to digital wallets.

### Online Payments
- [Online Checkout](/products/online): Embed seamless, secure, multi-method payments into your product.. Supports Visa, Mastercard, Amex, Apple Pay, Google Pay, Pay by Bank, BNPL, Dankort, Vipps.

### Accessories (Fins)
- [FinPrinter](/products/fins/finprinter): External receipt printer
- [Hub](/products/fins/hub): Network hub that gives Pro-series terminals wired ethernet over a dedicated wireless link, with RS232 and USB for counter equipment
- [SurfPrint Pro Multicomm Base](/products/fins/surfprint-base): Combined charging base and network hub for SurfPrint Pro
- [SurfPrint Pro Charging Base](/products/fins/surfprint-charger): Charging base for SurfPrint Pro
- [SurfPrint Pro K Multicomm Base](/products/fins/surfprint-pro-k-base): Combined charging base and network hub for SurfPrint Pro K
- [SurfTouch Pro Charging Base](/products/fins/surftouch-charger): Charging base for SurfTouch Pro
- [SurfMini Charging Base](/products/fins/surfmini-charger): Magnetic charging base for SurfMini, with pogo-pin charging and communication
- [SpacePole MultiGrip](/products/fins/spacepole-multigrip): Universal payment terminal holder with individual grip plates for SurfPrint Pro, SurfPrint Pro K, SurfTouch Pro, SurfTouch Retail, SurfPad Pro and SurfMini
- [SpacePole Mounting Pole](/products/fins/spacepole-mounting-pole): Steel mounting pole for secure payment terminal placement
- [SpacePole DuraTilt](/products/fins/spacepole-duratilt): Tilt-and-swivel counter mount for payment terminals
- [Halfmoon Floor Stand](/products/fins/spacepole-halfmoon-floor-stand): Freestanding VESA 75/100 floor stand for self-checkout tablets and kiosk screens, 120 cm standard (SURF002) or 100 cm (SURF015)

## Platform Capabilities

- [Platform Overview](/platform): Modular, AI-powered payments platform
- [Unified Commerce](/platform/unified-commerce): Single API for in-store, online, SoftPOS, and unattended payments with shared customer data across every channel.
- [Billing API](/platform/billing): Build custom pricing models for your merchants, usage-based charges, IC++ pricing, and automated invoicing.
- [Customer API](/platform/customers): Unified customer profiles across all channels with saved payment methods, purchase history, and recognition.
- [Webhooks](/platform/webhooks): Event-driven payment flows with instant notifications, automatic retries, delivery signatures, and full context.
- [Offline Payments](/platform/offline-payments): Keep terminals processing when networks fail, with automatic sync, secure storage, and configurable risk controls.
- [Identification](/platform/identification): Turn any card tap into a real-time identity signal, customer recognition without processing a payment or an app.
- [Invoice](/platform/invoice): Accept B2C and B2B invoice payments through the same API, email or e-invoice distribution, reminders, debt collection.
- [AI API](/platform/ai): Generate branded merchant experiences and enhanced product imagery on demand, a website URL becomes a full theme.
- [Gift Cards API](/platform/gift-cards): Issue, distribute, and redeem monetary and entitlement gift cards through the same API you use for payments.
- [Logistics API](/platform/logistics): Order, ship, track, return, and replace terminals via API, built for partners scaling hardware to thousands of merchants.
- [Reporting API](/platform/reporting): Pull daily or monthly settlement reports per merchant and reconcile fees, refunds, payouts, and partner revenue share.
- [Adjustments](/platform/adjustments): Audit and reconcile every tip, surcharge, insurance fee, and transaction add-on through one endpoint.
- [Multi-merchant](/platform/multi-merchant): Run one terminal fleet across many merchants, multi-merchant groups for food courts, festivals, and shared retail.
- [NFC Reading](/platform/nfc-reading): Use any Surfboard terminal as an NFC tag reader for wristbands, badges, asset tags, and event ecosystems.
- [Notifications](/platform/notifications): Push scheduled reports and event summaries to SFTP, Slack, or email, without polling.
- [Receipts](/platform/receipts): Generate receipts in every format, email, hosted link, thermal print, or custom ESC/POS layouts, with branded delivery.
- [Tips](/platform/tips): Configure tipping presets, custom amounts, and display formats at merchant, store, or terminal level.
- [Tokenization](/platform/tokenization): Network-level tokenization for secure card storage, one token works across online, in-store, and recurring payments.
- [White Label](/platform/white-label): Theme every customer-facing Surfboard surface to match your brand across partner, merchant, store, and terminal levels.

## Solutions by Industry

- [Solutions Overview](/solutions)
- [Food & Beverage](/solutions/food-and-beverage): Fast, flexible payments for restaurants, cafes, and bars, counter, table-side, and QR ordering with tipping and split bills built in.
- [Healthcare](/solutions/healthcare): Payment solutions for clinics, veterinary, and dental practices and journal systems, multi-merchant terminals and white-label options.
- [Hospitality](/solutions/hospitality): Pre-auth, delayed capture, recurring billing, tap-to-identify check-in, and multi-property branding, the payment primitives hospitality operators need, on one API.
- [Retail](/solutions/retail): Multi-channel retail payments on one API, in-store, online, mobile, and self-checkout, with gift cards, identification-based loyalty, and fleet management at scale.
- [Ticketing](/solutions/ticketing): Ticketing payments for events and public transport, NFC and QR ticketing with omni-channel flexibility.
- [Unattended / Self-Service](/solutions/unattended): Purpose-built payments for unattended environments, EV charging, vending, parking, and kiosks, with 24/7 operation, offline resilience, and remote management.
- [Wellness](/solutions/wellness): Payment solutions for wellness businesses, white-labeled terminals, digital receipts, and services tailored to the wellness industry.

## Solutions by Audience

- [For Acquirers and Banks](/solutions/for-acquirers-and-banks): Modernize merchant-facing experiences without replacing core processing, acquirer-agnostic, PCI DSS 4.0 multi-cloud certified, and fully white-label.
- [For Enterprise Merchants](/solutions/for-enterprise-merchants): Unified commerce, cascading configuration, cross-channel reporting, and offline resilience for chains and multi-location operators at scale.
- [For ISVs](/solutions/for-isvs): Add payments to vertical SaaS, POS, booking, or marketplace products, white-label by default and monetized through the Billing API.
- [For Marketplaces](/solutions/for-marketplaces): Multi-vendor payment infrastructure for marketplaces, food halls, and festivals, per-vendor settlement, branding, and reporting via the Multi-Merchant API.
- [For PayFacs and PSPs](/solutions/for-payfacs-and-psps): Programmatic onboarding, multi-merchant routing, and per-merchant pricing for payment facilitators and PSPs running aggregation at scale.
- [For Small Businesses](/solutions/for-small-businesses): Surfpay POS, the productized payment solution built on Surfboard infrastructure for SMBs who want to accept payments without integrating an API.

## Payment Methods

Payment methods are enabled per merchant, store, or terminal through the Partner Portal (partners), the Merchant Portal (merchants), or the Payment Methods API (developers). All three paths hit the same backend; Surfboard handles scheme registration. Methods are only available in markets where Surfboard accepts merchants.

- [All Payment Methods](/payment-methods)

### Global card schemes
- [Mastercard](/payment-methods/mastercard): The global card scheme accepted in 210+ countries
- [Visa](/payment-methods/visa): The world's largest card scheme
- [American Express](/payment-methods/american-express): Premium card scheme with affluent and corporate buyers
- [Discover](/payment-methods/discover): North American card scheme with growing global acceptance

### Local card schemes
- [Dankort](/payment-methods/dankort): Denmark's national debit card scheme
- [BankAxept](/payment-methods/bankaxept): Norway's national debit card scheme

### Mobile wallets
- [Apple Pay](/payment-methods/apple-pay): Tokenized contactless payments on iPhone and Apple Watch
- [Google Pay](/payment-methods/google-pay): Tokenized contactless payments on Android devices

### Account-to-account
- [Swish](/payment-methods/swish): Sweden's mobile payment standard
- [Vipps](/payment-methods/vipps): Norway's mobile payment standard, now part of Vipps MobilePay
- [MobilePay](/payment-methods/mobilepay): Denmark's and Finland's mobile payment standard
- [Pay by Bank](/payment-methods/pay-by-bank): Direct bank-to-bank payments via open banking

### BNPL & invoice
- [Klarna](/payment-methods/klarna): Pay later, pay in 3, or pay over time
- [Svea](/payment-methods/svea): Nordic invoice and BNPL specialist with strong B2B coverage
- [B2B Invoice](/payment-methods/b2b-invoice): Net 30 / Net 60 invoicing for business buyers

### Meal & wellness benefits
- [Epassi](/payment-methods/epassi): Finland's leading employee benefit payment platform

## Developer Guides

- [Getting Started](/developers/guides/getting-started): The first hour of every Surfboard integration: create the developer account, invite your team, take the API keys, learn the demo and live environments, and pick the path of guides for what you are building.
- [Tap to Pay on iPhone SDK](/developers/guides/tap-to-pay-iphone): Accept contactless payments directly on iPhone. Complete integration guide for Surfboard's iOS SoftPOS SDK -- from setup to production.
- [Android SoftPOS SDK](/developers/guides/android-softpos-sdk): Turn Android devices into payment terminals with the Surfboard Android SoftPOS SDK. Complete integration guide from setup to production.
- [CheckoutX SoftPOS](/developers/guides/checkoutx-softpos): Accept in-person payments on smartphones and tablets by pairing the CheckoutX app with your own POS app, a dual-app setup that requires no SDK integration.
- [EMV Terminal Integration](/developers/guides/emv-terminal-integration): Integrate traditional card-present terminals through Surfboard's unified API. From account setup to live payments in one guide.
- [Payment Page](/developers/guides/payment-page): Take online payments on a Surfboard-hosted checkout page. Create an online store, verify its domains, create an order against the PaymentPage terminal it comes with, and redirect the customer or send them the link.
- [Inter-App Integration](/developers/guides/interapp-integration): Integrate your POS app with CheckoutX using native app switch. Register terminals, process payments, and scan NFC tags through a bi-directional deep link flow -- from a native app or a browser-based POS.
- [Self-Hosted Checkout](/developers/guides/self-hosted-checkout): Embed a payment form directly in your web app with the Surfboard Online SDK. Full UI control with Surfboard handling PCI compliance.
- [Server-to-Server API](/developers/guides/server-to-server-api): Process online payments entirely from your backend with Merchant Initiated Transactions. Full control over recurring payments, subscriptions, and tokenized card flows.
- [Create an Order](/developers/guides/create-an-order): Learn how to create orders with line items, tax, customer details, and control functions. The starting point for accepting payments with the Surfboard API.
- [Merchant Onboarding](/developers/guides/merchant-onboarding): Create a merchant application through the Partner API and hand the merchant a prefilled web KYB link. Registry lookup, automatic business classification, people and signing, application status, and store setup.
- [Device Registration](/developers/guides/device-registration): Register a terminal to a store before it can take payments or receive a partner POS app. Covers rotating codes, QR/registration links, pre-shipped codes, and in-app registration for SoftPOS.
- [Payment Lifecycle](/developers/guides/payment-lifecycle): Manage the full payment lifecycle from order creation through capture, void, cancel, and refund operations using the Surfboard Payments API.
- [Capture a Payment](/developers/guides/capture-a-payment): Finalize a previously authorized payment by capturing funds. Covers delay capture and pre-authorization flows with step-by-step API examples.
- [Terminal & Device Management](/developers/guides/terminal-device-management): Manage payment terminals and devices via the Surfboard API. Register in-store and online terminals, configure settings, and handle device operations.
- [Cancel a Payment](/developers/guides/cancel-a-payment): Stop an in-progress payment before it completes. Use cancellation when a customer abandons checkout or a payment needs to be halted mid-process.
- [Webhooks](/developers/guides/webhooks-notifications): Receive real-time event notifications via webhooks. Subscribe to order, payment, logistics, and merchant application events with automatic retries and signature verification.
- [Build Your Own ECR](/developers/guides/electronic-cash-register): Turn your ERP or business system into a compliant point of sale for Sweden. Product catalog, fiscal cash register with control unit, Skatteverket declaration, shifts, cash handling, orders, receipts, and Z-reports on the Surfboard platform.
- [Notification Subscriptions](/developers/guides/notification-subscriptions): Subscribe to persistent, account-level event notifications delivered via email, Slack, or SFTP. Receive settlement reports and operational alerts for merchants and partners.
- [Recurring Payments](/developers/guides/recurring-payments): Implement subscription billing and recurring charges using tokenization, recurring payment configuration, and Merchant Initiated Transactions.
- [Void a Payment](/developers/guides/void-a-payment): Reverse a completed payment before settlement. Voiding stops funds from transferring to the merchant's account, avoiding incorrect transactions.
- [Receipts](/developers/guides/receipts): Generate, email, print, and customise receipts for in-store transactions using the Surfboard Receipts API.
- [Refund an Order](/developers/guides/refund-an-order): Process a full refund by creating a return order with negative quantities. Covers the complete refund flow with API examples and payment method requirements.
- [Partial Refund](/developers/guides/partial-refund): Refund specific items or a reduced amount from a completed order. Process partial returns by creating a return order with only the items to be refunded.
- [Tips Configuration](/developers/guides/tips-configuration): Configure tipping on Surfboard payment terminals at the merchant, store, or terminal level using a hierarchical override model.
- [ESC/POS Printing](/developers/guides/escpos-printing): Send custom ESC/POS receipts to any Surfboard terminal using the UTF-8 contract: opt in with one field, get validated payloads and consistent output across current and legacy hardware.
- [Receipt Printing](/developers/guides/receipt-printing): How to print a receipt on a terminal with a built-in printer or on the FinPrinter: let Surfboard render it from a template, or build the layout yourself and send ESC/POS to a terminal. How to choose, and how to set up each.
- [NFC Tag Reading](/developers/guides/nfc-tag-reading): Use the NFC Reading API to create tag-reading sessions on payment terminals, scan NFC/RFID-tagged products, and retrieve scanned tag data.
- [Partial Payments](/developers/guides/partial-payments): Split an order across multiple payment methods or transactions. Accept card, cash, and Swish in any combination to settle a single order.
- [Multi-Merchant Terminals](/developers/guides/multi-merchant-terminals): Set up shared payment terminals for multiple merchants using the Multi-Merchant Group API. Ideal for food courts, events, and co-located businesses.
- [Store Management](/developers/guides/store-management): Create, update, verify, and manage in-store and online stores using the Surfboard Payments Store APIs.
- [Gift Cards & Promotions](/developers/guides/gift-cards-promotions): Issue and manage gift cards, track transactions, and create marketing promotions using the Surfboard Payments APIs.
- [Product Catalog](/developers/guides/product-catalog): Create and manage product catalogs, products, variants, inventory levels, and analytics through the Catalog API.
- [Settlements & Reporting](/developers/guides/settlements-reporting): Retrieve settlement reports, view adjustments, manage merchant charges, and register customer profiles for reconciliation and billing.
- [Account & Service Provider Management](/developers/guides/account-management): Create merchant and partner accounts, manage user roles, register service providers, and configure external notifications via the Surfboard API.
- [Service Providers & Split Payouts](/developers/guides/service-providers): Route a share of each payment to a third party with Surfboard Flow. Onboard a service provider, link it to a merchant, and set the split on the order.
- [Payment Methods](/developers/guides/payment-methods): Activate, deactivate, and list payment methods for a merchant. Manage card, Swish, Klarna, AMEX, Vipps, MobilePay, and more via the API or Partner Portal.
- [Client Auth Tokens](/developers/guides/client-auth-tokens): Generate client-side authentication tokens for secure API access from browsers and mobile apps without exposing your API key or secret.
- [Partner Branding](/developers/guides/partner-branding): Configure white-label branding for terminals and payment pages. Set colors, fonts, logos, and cover images at the partner level via API or Partner Portal.
- [Create Order Error Codes](/developers/guides/create-order-error-codes): Reference of error codes returned by the create order and initiate payment flows, with notes on when each is thrown and how to handle it.
- [Customer Identification on Card Tap](/developers/guides/customer-identification): Recognise a returning customer from the card they tap, before the payment runs. Apply their discount, points or price list to the open order, then take the money.
- [Tokens](/developers/guides/tokens): Turn a card used once into a card you can charge again. Enable tokenization on an order, fetch the token it produced, and store it for subscriptions, repeat purchases and refunds.
- [Order and Return Terminals](/developers/guides/terminal-logistics): Get hardware to your merchants and back again. Order terminals during onboarding or later, track the shipment by webhook, and raise a return when a device is no longer needed.
- [Transactions and Reports](/developers/guides/transactions-and-reports): Retrieve, filter and search transactions, and read a monthly report the way finance does. Covers why net sales and payout never match and how to reconcile a period end to end.
- [AI Product Images and Branding](/developers/guides/ai-merchandising): Turn a phone photo into a usable product image and a website into a branded portal. Two endpoints that remove the design work from onboarding a merchant.
- [POS Templates](/developers/guides/pos-templates): Decide what the till shows and in what order. Lay out product categories, payment methods and terminals per store, and switch layouts automatically by time of day.
- [API Conventions](/developers/guides/api-conventions): The rules that hold across every Surfboard endpoint: authentication, the response envelope, amounts and currencies, identifiers, dates, pagination and environments.
- [B2B Invoices](/developers/guides/b2b-invoices): Bill a business buyer on payment terms instead of charging a card. Create an order paid with B2BINV, distribute the invoice as an e-invoice or by email, and credit it when the goods come back.

## Integration Paths

The guides above in reading order for one kind of build. Each path is also one markdown file at /api/ai/guides/paths/<slug>.md.

- [Food & Beverage](/developers/guides/paths/food-and-beverage): Restaurant and café POS: your app on the terminal, tips, split bills, receipts at the counter, and payment links for orders taken online.
- [Retail](/developers/guides/paths/retail): Store POS on Surfboard terminals: product catalog with barcodes and stock, a compliant cash register for Sweden, returns, gift cards and receipts.
- [Hospitality](/developers/guides/paths/hospitality): Hotels and venues: a deposit online, the balance at reception, pre-authorisation and later capture, stored cards for no-shows, and invoices for corporate guests.
- [SoftPOS only](/developers/guides/paths/softpos): Tap to Pay on iPhone and Android with no hardware: your app beside the CheckoutX app on the same device, then orders, refunds and receipts from your own app.

## Partner Portal Guides

- [Dashboard Overview](/partner-portal/dashboard-overview): What you see when you log in to the Partner Portal: the sidebar, the cards that need your attention, volume and transaction totals, sales trends, application status, top merchants, and onboarding analytics.
- [Search, Assistant & System Status](/partner-portal/search-assistant-status): Find any merchant, page, transaction or ID with global search, ask the Surfboard assistant about the portal and your data, and check whether Surfboard and its dependencies are running normally.
- [Applications & Merchant Onboarding](/partner-portal/applications): Create an onboarding application, prefill what you already know about the merchant, send the onboarding link, and follow the application through KYB and signing until the merchant account is created.
- [Renewals](/partner-portal/renewals): Merchants periodically renew their KYB information through a renewal application. Track renewals, see which are about to expire, and help merchants finish them in time.
- [Merchant Management](/partner-portal/merchant-management): Find, export, and manage the merchants in your portfolio. A tour of the merchant page and every tab on it, from transactions and stores to charges, users, configuration, and hardware orders.
- [Stores](/partner-portal/stores): Create and edit a merchant's stores, set up online payments and domain verification, configure tips and terminals per store, register terminals, and deactivate a store.
- [Multi-Merchant Groups](/partner-portal/multi-merchant-groups): Group several merchants at the same address so they can share terminals. Create a group, add new or existing merchants, and activate and register the group's terminals.
- [Transactions & Reporting](/partner-portal/transactions-and-reporting): Search, filter, analyse and export a merchant's transactions, open a single payment, and download settlement reports or subscribe to them by email or Slack.
- [Refunds & Refund Lookup](/partner-portal/refunds): Refund all or part of a purchase from the transaction page, and use Refund lookup to see whether a refund went through, failed, or is still on its way.
- [Payment Methods](/partner-portal/payment-methods): See which payment methods a merchant has, activate Klarna, Swish, Vipps, MobilePay, American Express, Apple Pay and more, add their pricing to the billing plan, and deactivate methods.
- [Changing a Merchant's Settlement Schedule](/partner-portal/settlement-schedule): A merchant wants weekly instead of daily payouts. Generate a signing link from the merchant's Configuration tab and the new schedule applies once they sign. Also covers net or gross settlement and the daily cut-off time.
- [Service Providers](/partner-portal/service-providers): Onboard the companies and individuals that should receive a share of your merchants' payments through Surfboard Flow, and link them to merchants.
- [Product Catalog & Promotions](/partner-portal/catalog-and-promotions): Build a store's product catalog for the POS app, with variants, inventory, and related products, and create promotions that show on terminal receipts and screens.
- [Terminal Management](/partner-portal/terminals): Move terminals from your stock to a merchant: activate, register, reassign, and port them in bulk. Look up any terminal by ID or serial number, see where its settings come from, and check its health, apps, and transactions.
- [Terminal Configuration & Tips](/partner-portal/terminal-configuration): Set how terminals behave: display language, network, sleep and restart, PIN locks, and tipping. Configure defaults for your whole portfolio, then override them per merchant, store, or terminal.
- [Pair a Terminal with the Multicomm Base](/partner-portal/multicomm-base-pairing): Connect a SurfPrint Pro or SurfPrint Pro K terminal to its Multicomm Base so it charges and gets wired ethernet from the dock. Enable the wireless docking station, scan the code under the base, switch on Ethernet, and unpair with the reset button when a base moves.
- [Connect a Terminal to the Hub](/partner-portal/hub-pairing): Set up the Hub so a Pro-series terminal gets wired ethernet without sitting in a dock. Power the Hub, plug in a network cable, scan the QR code under the Hub from the terminal, switch on Ethernet, and unpair with the reset button when the Hub moves.
- [Cash Registers (ECR)](/partner-portal/cash-registers): Add and declare cash registers for your merchants, view register and control-unit details, check transactions and reports, and run daily open, close, and end-of-day operations from the partner portal.
- [Shipments & Returns](/partner-portal/shipments-and-returns): Order terminals and accessories, ship them straight to a merchant or in bulk to yourself, track every delivery, and send devices back with a return request, a shipping label and, if needed, a replacement terminal.
- [Terminal Apps (Software)](/partner-portal/integrations): Push signed software from the Developer Portal to your terminals, see which versions are configured where, and uninstall apps from one terminal or a whole merchant.
- [Branding & Receipts](/partner-portal/branding): Set the colours, fonts, button shape, logo and icon your merchants and their customers see, and design the printed and digital receipts your terminals produce.
- [Billing Plans](/partner-portal/billing-plans): Create billing plans that set what your merchants pay per payment method and terminal type, clone a plan to change its pricing, see which merchants are on it, and assign plans during onboarding.
- [Marketing Studio](/partner-portal/marketing-studio): Turn Surfboard products into on-brand social images with AI. Pick a format, choose the products, add direction, then refine the result and download it.
- [Developers: BIN Ranges & Messages API](/partner-portal/developers): Find the BIN range IDs you can price in a billing plan or block on an order, and create API keys to pull Surfboard notices into your own systems with the Messages API.
- [Settings & Notifications](/partner-portal/settings): Your partner account details and onboarding link, terminal defaults for your whole fleet, team members, and email, Slack and SFTP notifications for partner events.
- [Messages](/partner-portal/messages): Notices and product updates from Surfboard -- settlements, integrations, service changes and launches -- in one inbox. Subscribe a shared mailbox so your team hears about changes the day they are published.
- [Support Tickets](/partner-portal/tickets): Raise, track and respond to support requests with the Surfboard team from the Partner Portal. Filter your tickets, follow merchant-raised tickets, attach files and reference IDs, and get notified of replies.

## Merchant Portal Guides

- [Dashboard Overview](/merchant-portal/dashboard-overview): What you see when you log in: monthly sales, your latest sales, all-time totals per currency and quarterly analytics. Plus a tour of the sidebar, the store switcher and transaction search.
- [Get Started Wizard](/merchant-portal/get-started-wizard): A guided, chat-style setup for new accounts: add your branding, register your first terminal, set up tips, run a test payment and add your first products.
- [Messages](/merchant-portal/messages): Notices and product updates from Surfboard, such as settlement changes, renewals, service changes and launches, in one inbox. Subscribe a shared mailbox so nothing important slips past.
- [Support](/merchant-portal/support): Raise a support ticket with Surfboard, follow its progress and reply in the thread. Or ask the support chat, call us, and browse the FAQ.
- [Sales](/merchant-portal/sales): Browse every transaction, compare periods with Insights, find a payment by any ID, open a sale for the full card and order details, and export what you see to Excel or PDF.
- [Refunds & Voids](/merchant-portal/refunds): Refund all or part of a purchase from its transaction page, void a same-day payment instead of refunding it, cancel a refund made by mistake, and follow a refund until it completes.
- [Reports](/merchant-portal/reports): Download your payout and cash register reports, filter them by settlement date and type, export any date range as a CSV, and understand why monthly and payout totals differ.
- [Stores](/merchant-portal/stores): Create stores, verify your webshop domain, and manage everything that belongs to a store: sales, terminals, products, payment links, cash registers, campaigns, storefront, branding and settings.
- [Terminals](/merchant-portal/terminals): See every terminal, printer and online checkout you have, register new ones with a code or QR, follow hardware deliveries, and rename, move or deactivate a terminal.
- [Terminal Settings & Tips](/merchant-portal/terminal-settings): Configure how your terminals behave (display, receipts, language, lock screen, refund PIN and network) and set up tipping, for one terminal, several at once, or a whole store.
- [Cash Register](/merchant-portal/cash-register): Turn a terminal into a certified cash register for the Swedish market: pick the terminal, accept the pricing, choose where reports go, and register the cash register with Skatteverket.
- [Products & Catalog](/merchant-portal/products): Build each store's product catalogue: add products by hand, import a CSV, or scan a printed menu with AI. Then set prices, VAT, variants, stock, related products, and temporary campaign prices.
- [Payment Links](/merchant-portal/payment-links): Create a link to Surfboard's hosted payment page, from catalogue products or a free amount, and share it by email, QR code, or any chat. Then follow each link's status and payment attempts, change its end time, or cancel it.
- [Campaigns](/merchant-portal/campaigns): Show offers on your terminals' idle screens and receipts with a QR code that links to your product. Create campaigns with AI or by hand, schedule them, pick the stores, and follow the QR scans.
- [Gift Cards](/merchant-portal/gift-cards): Issue monetary or usage-based gift cards, share them with a link, and follow every card's balance, redemptions, and expiry.
- [Settings](/merchant-portal/settings): Your company details and branding, payment methods, disputes, contracts, the people on your account, and report and payment notifications by email, Slack or SFTP.
- [User Levels](/merchant-portal/user-levels): The two roles in the Merchant Portal, Admin and User, and exactly what each one can and can't do.
- [Order Hardware](/merchant-portal/order-hardware): Order terminals and accessories from Surfboard where ordering is enabled for your account, and follow every delivery from the Terminals page.

## Developer Resources

- [Developers Hub](/developers): Integration guides, API tools, and SDK documentation
- [Developer Portal](https://developers.surfboardpayments.com)
- [API Documentation](https://developers.surfboardpayments.com/home)
- [Migration Guide](/developers/migration-guide)
- [Terminal Security Guide](/terminal-security): How to receive, install, inspect, and maintain Surfboard payment terminals securely (P2PE)
- [PCI PTS 5 Terminals, Key Timelines and Milestones](/notices/pci-pts-expiry): What the 30 April 2027 PCI PTS 5.x expiry means for SurfPad, SurfTouch and SurfPrint, and how to migrate to Pro models

## Changelog

- [All Releases](/docs/changelog): Product updates, new features, and improvements
- [Developer Docs v2026.10](/docs/changelog/developer-docs-v2026-10): The hosted MCP server speaks the stateless MCP 2026-07-28 revision, with no handshake and no session, and still answers clients on earlier revisions. (2026-10-01)
- [Carbon Platform v2026.9](/docs/changelog/carbon-platform-v2026-9): Create Merchant now returns a prefilled web KYB link. Pass the corporate ID and a business description and Surfboard resolves the registry data, classifies the merchant, and works out which documents it needs. The merchant adds a bank account, the documents, and the signatures. (2026-09-04)
- [Developer Docs v2026.9](/docs/changelog/developer-docs-v2026-9): The hosted MCP server and the site's API reference catch up with the npm package. 237 endpoints across 29 sections, six new sections, five new webhook events, and one version number read from one place. (2026-09-04)
- [Carbon Platform v2026.8](/docs/changelog/carbon-platform-v2026-8): Messages in both portals now come with email subscriptions. Add a shared mailbox on the Messages page and every Surfboard notice — settlements, integrations, maintenance — arrives as an email. Nothing is subscribed by default. (2026-08-31)
- [Developer Docs v2026.8.2](/docs/changelog/developer-docs-v2026-8-2): Two OpenAPI documents, a live MCP endpoint, agent instructions, and the reconciliation explainer for why a monthly report and its payouts never add up. (2026-08-24)
- [Developer Docs v2026.8](/docs/changelog/developer-docs-v2026-8): Eleven new guides — online payment links, tokens, terminal logistics, B2B invoices, ESC/POS printing and more — and a corrected order path that eighteen guides had wrong. (2026-08-14)
- [Developer Docs v2026.6](/docs/changelog/developer-docs-v2026-6): A Device Registration guide covering all four ways to register a terminal to a store, plus refund parameter and inter-app token corrections. (2026-06-05)
- [Developer Docs v2026.4](/docs/changelog/developer-docs-v2026-4): A CheckoutX SoftPOS guide, a create-order error code reference, and the order and payment status flow written out end to end. (2026-04-24)
- [Carbon Platform v2026.3.1](/docs/changelog/carbon-platform-v2026-3-1): Gift Cards v1.0 with full lifecycle management, Promotions v1.0 with campaign rules and cross-channel tracking, and Split Payments v1.0 for multi-method transaction splitting on in-store terminals. (2026-03-24)
- [Developer Docs v2026.3](/docs/changelog/developer-docs-v2026-3): Webhooks guide rewritten with signature verification and retry behaviour, notification subscriptions split into their own guide, and Tap to Pay on iPhone rebuilt with availability and supported devices. (2026-03-18)
- [Carbon Online SDK v1.0](/docs/changelog/carbon-online-sdk-v1-0): Generally available embeddable JavaScript SDK for online payment acceptance with PCI-compliant payment forms, multi-basket checkout support, and domain-based authentication. (2026-03-17)
- [Developer Docs v2026.2](/docs/changelog/developer-docs-v2026-2): The full Carbon API reference indexed on surfboardpayments.com — 157 endpoints across every section — so developer search and the AI endpoints answer from the reference, not just the guides. (2026-02-25)
- [CheckoutX v5.0.4 (Build 521)](/docs/changelog/checkoutx-v5-0-4): Optional physical keyboard support, enhanced inter-app communication protocols, and critical security integrity checks for production environments. (2026-02-11)
- [SurfTouch 4.9.6.0](/docs/changelog/2025-06-06-surftouch-surftouch-4-9-6-0): Introduced a revamped Change Payment Method screen for a more intuitive user experience. (2025-06-06)
- [SurfTouch 4.9.5.0](/docs/changelog/2025-05-29-surftouch-surftouch-4-9-5-0): Refreshed UI texts across the cash register for improved clarity. (2025-05-29)
- [SurfTouch 4.9.4.0](/docs/changelog/2025-05-26-surftouch-surftouch-4-9-4-0): You can now cancel payments made with Swish and Klarna using the new cancellation button. (2025-05-26)
- [SurfTouch 4.9.2.0](/docs/changelog/2025-05-05-surftouch-surftouch-4-9-2-0): Refined transaction animations for a more seamless user experience. (2025-05-05)
- [Payment Failure and Payment Cancelled webhooks updated](/docs/changelog/2025-04-30-api-payment-failure-and-payment-cancelled-webhooks-updated): Enhanced webhook payload to include payment details for failed payments (2025-04-30)
- [Added interAppJWT to payment API](/docs/changelog/2025-03-07-api-added-interappjwt-to-payment-api): Added interAppJWT to the Initiate Payment API to improve inter-app transaction initiation performance (2025-03-07)
- [Transaction details in webhooks and status checks](/docs/changelog/2025-03-06-api-transaction-details-in-webhooks-and-status-checks): Added transaction details to the 'order.paymentcompleted' event data. (2025-03-06)
- [Online Terminal Events](/docs/changelog/2025-03-03-webhooks-online-terminal-events): Added new Online Terminal related events to the Order Terminal Event Webhook. (2025-03-03)
- [Tap to Pay on iPhone](/docs/changelog/2025-02-18-checkoutx-tap-to-pay-on-iphone): Tap to Pay on iPhone accepts physical debit and credit cards, as well as Apple Pay and other digital wallets. No extra hardware needed. It’s easy, private, secure. (2025-02-18)
- [New Billing API's](/docs/changelog/2025-02-17-api-new-billing-api-s): Added new API's to create, update and fetch Charges for Merchants. (2025-02-17)
- [Added new NFC reading API's](/docs/changelog/2025-01-05-api-added-new-nfc-reading-api-s): Added new *NFC Reading APIs* that allow you to scan and read NFC tags associated with an order. (2025-01-05)
- [Console Module Added](/docs/changelog/2025-01-02-surfboard-for-developers-console-module-added): Added Console module to the Documentation site, this will allow you to create api keys and configure webhooks by yourself. To get access to console please signUp and fill up the developer… (2025-01-02)
- [New Gift Cards API](/docs/changelog/2024-11-17-api-new-gift-cards-api): Added Create Gift Card API for creating gift cards with monetary value (FUND) or usage-based limits (ENTITLEMENT). (2024-11-17)
- [Update in Merchant APIs](/docs/changelog/2024-11-08-api-update-in-merchant-apis): Added Fetch Transaction Analytics in Merchants APIs. (2024-11-08)
- [Payment Methods API V2 Update](/docs/changelog/2024-10-17-api-payment-methods-api-v2-update): Updated Activate Payment Method API to support unified payment method registration in a single request. (2024-10-17)
- [Product Catalogue, Service Providers, and Terminals APIs](/docs/changelog/2024-10-10-api-product-catalogue-service-providers-and-terminals-apis): Added comprehensive Product Catalogue API with 17 endpoints for complete product catalog management including AI-powered features. (2024-10-10)
- [Admin Functions and Notifications APIs](/docs/changelog/2024-10-07-api-admin-functions-and-notifications-apis): Added Create Merchant Account API for creating new merchant accounts with email and role assignment. (2024-10-07)
- [Activate Payment Method](/docs/changelog/2024-09-30-api-activate-payment-method): New Activate Payment Method API to activate available payment methods (AMEX, SWISH, KLARNA, VIPPS, MOBILEPAY, ACCTOACC) for a merchant. (2024-09-30)
- [New AI API](/docs/changelog/2024-09-29-api-new-ai-api): Added Generate Branding Options API to create AI-powered branding themes and color schemes based on website URLs. (2024-09-29)
- [Update in Stores API](/docs/changelog/2024-07-12-api-update-in-stores-api): Added Verify Store Domain , Fetch Store Domains in Stores APIs. (2024-07-12)
- [Update in Orders API](/docs/changelog/2024-07-08-api-update-in-orders-api): Added Fetch Online Orders in Order APIs. (2024-07-08)
- [Update in Orders API](/docs/changelog/2024-06-14-api-update-in-orders-api): Added new includeAdjustments , delayCapture , enforceTokeization , enforce3DSecure , lockToPaymentMethods , callBackUrl , throwErrorIfTerminalInactiveFor , paymentPageValidFor , authMode params… (2024-06-14)
- [Update in Orders API](/docs/changelog/2024-06-07-api-update-in-orders-api): Added new unit , generateShortLink , delayPayout , payButtonType params under Create New Order and Update Order APIs (2024-06-07)
- [New API in Terminal APIs](/docs/changelog/2024-05-06-api-new-api-in-terminal-apis): Added Get Interapp Details in Terminal APIs. (2024-05-06)
- [Update in Transaction Search API](/docs/changelog/2024-04-29-api-update-in-transaction-search-api): Included additional details about the transaction in Transaction Search API . (2024-04-29)
- [New terminal type and a new Payments API](/docs/changelog/2024-04-25-api-new-terminal-type-and-a-new-payments-api): Introduced new terminal type softpos under Fetch All Merchant Terminals , Fetch All Store Terminals , Fetch Terminal by ID. (2024-04-25)
- [New API in Transactions and Terminals API](/docs/changelog/2024-04-16-api-new-api-in-transactions-and-terminals-api): Added Transaction Search in Transactions API. (2024-04-16)
- [Fetch All Transactions parameters and an Orders API update](/docs/changelog/2024-04-05-api-fetch-all-transactions-parameters-and-an-orders-api-update): Added referenceId , truncatedPan , cardLabel , posEntryMode , issuerApplication , terminalVerificationCode , aid , customerResponseCode , cvmMethod , authMode , cardBrand response parameters to… (2024-04-05)
- [New Printing API](/docs/changelog/2024-03-19-api-new-printing-api): New Printing API added under Transaction API's. (2024-03-19)
- [New Branding API's](/docs/changelog/2024-03-12-api-new-branding-api-s): New Branding API's added to customize all customer facing pages provided by Surfboard. (2024-03-12)
- [New API in Merchant API's](/docs/changelog/2024-03-08-api-new-api-in-merchant-api-s): New Activate Terminal API for merchant added under Merchant API's. (2024-03-08)
- [SurfPad 4.0.15.0](/docs/changelog/2024-03-08-surfpad-surfpad-4-0-15-0): Added support for operator selection on the terminal. (2024-03-08)
- [SurfTouch 2.8.7.0](/docs/changelog/2024-03-08-surftouch-surftouch-2-8-7-0): Added the functionality to change tips config using APIs. (2024-03-08)
- [New parameters in Transaction, Stores, and Orders APIs](/docs/changelog/2024-03-06-api-new-parameters-in-transaction-stores-and-orders-apis): Added issuerCountry , interchangeDomain , cardCategory , cardUsage to response parameters of the Fetch One Transaction , Fetch All Transactions , Fetch Transactions by ID. (2024-03-06)
- [New parameters added in Fetch Terminal by ID](/docs/changelog/2024-02-23-api-new-parameters-added-in-fetch-terminal-by-id): Added lastAliveAt , isCharging , batteryPercentage , powerSource , deviceNetwork , turnOnTime to response parameters of the Fetch Terminal by ID. (2024-02-23)
- [Adjustments, Tips, and a new Orders API](/docs/changelog/2024-02-19-api-adjustments-tips-and-a-new-orders-api): Added new Adjustments API and Tips API. (2024-02-19)
- [Response parameter updates in Transaction and Payment API's](/docs/changelog/2024-02-12-api-response-parameter-updates-in-transaction-and-payment-api-s): Added voided flag to response parameters of the Fetch Transactions by ID API, Fetch All Transactions API, Fetch One Transaction API and Get Payment by ID API. (2024-02-12)
- [New Terminal and Transaction APIs](/docs/changelog/2024-01-30-api-new-terminal-and-transaction-apis): Added new Fetch APN List API to Terminal APIs. (2024-01-30)
- [New API in Orders APIs](/docs/changelog/2024-01-09-api-new-api-in-orders-apis): Added new Add Receipt Information API to Orders APIs. (2024-01-09)
- [Response parameter update in Transaction API](/docs/changelog/2024-01-08-api-response-parameter-update-in-transaction-api): Added paymentId field to the response parameters of the Fetch All Transactions API (2024-01-08)
- [Transaction response fields and a new Merchants API](/docs/changelog/2023-12-23-api-transaction-response-fields-and-a-new-merchants-api): Added paymentId and rrn field to the response parameters of the Fetch One Transaction API and Fetch Transactions by ID API. (2023-12-23)
- [Response parameter updates in Merchants, Stores, and Transactions APIs](/docs/changelog/2023-12-12-api-response-parameter-updates-in-merchants-stores-and-transactions-apis): Added terminalType and osType fields to the response parameters of the Fetch All Merchant Terminals API and Fetch All Store Terminals API. (2023-12-12)
- [New API in Merchants APIs](/docs/changelog/2023-11-09-api-new-api-in-merchants-apis): Added new Fetch All Multi-Merchant Groups API to Merchants APIs. (2023-11-09)
- [Response parameter updates in Transaction APIs](/docs/changelog/2023-11-08-api-response-parameter-updates-in-transaction-apis): Added cardBrand field to the response parameters of the Fetch One Transaction API and Fetch Transactions by ID API. (2023-11-08)
- [Support for querying in Transaction APIs](/docs/changelog/2023-10-22-api-support-for-querying-in-transaction-apis): You can now use queries in the Fetch All Transactions API to retrieve all transaction within a particular date range. (2023-10-22)
- [Response parameter updates in Fetch All Transactions API](/docs/changelog/2023-09-20-api-response-parameter-updates-in-fetch-all-transactions-api): Added settlement data to Fetch All Transactions API. (2023-09-20)
- [New terminal configurations](/docs/changelog/2023-09-17-api-new-terminal-configurations): Added support for new terminal configurations at merchant, store, and terminal level in Terminals APIs (2023-09-17)
- [New API in Transactions APIs](/docs/changelog/2023-09-10-api-new-api-in-transactions-apis): Added new Fetch Transactions by ID API in Transactions APIs. (2023-09-10)
- [Request parameter updates in Logistics APIs](/docs/changelog/2023-09-06-api-request-parameter-updates-in-logistics-apis): Email address ( email ) is now mandatory for creating a shipment order using Create Shipment API. (2023-09-06)
- [Support for pre-entered information in KYB](/docs/changelog/2023-09-03-api-support-for-pre-entered-information-in-kyb): Added support for pre-entered information to simplify the KYB process for merchants. (2023-09-03)
- [API features and availability updates](/docs/changelog/2023-08-31-api-api-features-and-availability-updates): Added support for partial payments in Payments APIs. (2023-08-31)
- [Added Support for Terminal names](/docs/changelog/2023-08-29-api-added-support-for-terminal-names): Added support for using Terminal name(terminalName) to identify individual terminals. (2023-08-29)
- [New API in Payments APIs](/docs/changelog/2023-08-13-api-new-api-in-payments-apis): Added Reboot Terminal API to the Terminals APIs. (2023-08-13)
- [Response parameter updates](/docs/changelog/2023-08-08-api-response-parameter-updates): Added new response parameters totalNumberOfTransaction, totalAmountOfTransaction, lastTransactionAt, phoneNumber, and acquirerMID to the Fetch Merchant Details API. (2023-08-08)
- [Response parameter updates](/docs/changelog/2023-08-07-api-response-parameter-updates): Added transactionId response parameter to the Check Payment Status API. (2023-08-07)
- [User guide for SurfPad](/docs/changelog/2023-07-30-surfpad-user-guide-for-surfpad): Added user guide for SurfPad. (2023-07-30)
- [Response parameter updates](/docs/changelog/2023-07-20-api-response-parameter-updates): Added rrn response parameter to the Fetch All Transactions API. (2023-07-20)
- [New language support and various performance improvements](/docs/changelog/2023-07-17-surfpad-new-language-support-and-various-performance-improvements): Added language support for Finnish and Danish. (2023-07-17)
- [New APIs and request parameter updates](/docs/changelog/2023-07-16-api-new-apis-and-request-parameter-updates): Added Set Terminal Config API, Set Merchant Terminal Config API, Set Store Terminal Config API APIs to the Terminals APIs. (2023-07-16)
- [Request parameter updates](/docs/changelog/2023-07-02-api-request-parameter-updates): Updated the type of request parameter address from string to object in the Fetch All Merchants API and Fetch Merchant Details API. (2023-07-02)
- [New API and parameter updates](/docs/changelog/2023-06-30-api-new-api-and-parameter-updates): Added new Get Payment by ID API to the Payments APIs. (2023-06-30)

## Company

- [About Us](/about)
- [Contact](/contact)
- [Knowledge Hub](/knowledge-hub): 85+ articles on payments, technology, and company news
- [Press Kit](/presskit): Brand guidelines, logo downloads, product image kits, and press boilerplate
- [Service Level Agreement (SLA)](/sla): Uptime commitments and service levels for Surfboard Payments services

## For AI Agents

- [Agent Instructions](/agent-instructions.md): When to use Surfboard Payments, when not to, the order to build an integration in, and the rules that apply to payments work
- [MCP Endpoint](/.well-known/mcp): Hosted Model Context Protocol server, Streamable HTTP, no install and no credentials. Tools: search_api_docs, search_webhook_docs, search_guides, read_doc, list_api_sections
- [MCP Server Card](/.well-known/mcp/server-card.json): How to connect, hosted or over stdio
- [MCP for stdio clients](https://www.npmjs.com/package/@surfboardpayments/surf-mcp): `npx -y @surfboardpayments/surf-mcp`, the same tools for Claude Code, Codex and Cursor
- [MCP setup guide](/developers/mcp): Copy-paste setup for each client, and what to ask it afterwards
- [OpenAPI, this site](/openapi.json): Every public endpoint on this domain, typed (also [YAML](/openapi.yaml))
- [OpenAPI, Carbon payments API](/openapi/carbon.json): The credentialed payments API, typed (also [YAML](/openapi/carbon.yaml))
- [Spec index](/openapi/index.json): Which of the two specs you want
- [Agent Skills](/.well-known/agent-skills/index.json): Installable skills, each with a SHA-256
- [API Catalog](/.well-known/api-catalog): RFC 9727 linkset for this domain
- [Integration Brief](https://surfpay.ai): Hand this one URL to a coding agent and it can run the whole integration

## AI-Optimized Endpoints

- [Site Overview JSON](/api/ai/site-overview.json)
- [Products JSON](/api/ai/products.json)
- [Platform Capabilities JSON](/api/ai/platform.json)
- [Solutions JSON](/api/ai/solutions.json)
- [Payment Methods JSON](/api/ai/payment-methods.json)
- [Knowledge Hub JSON](/api/ai/knowledge-hub.json)
- [Developer Guides JSON](/api/ai/guides.json)
- [Partner Portal Guides JSON](/api/ai/partner-portal.json)
- [Merchant Portal Guides JSON](/api/ai/merchant-portal.json)
- [API Reference JSON](/api/ai/docs.json)
- [Changelog JSON](/api/ai/changelog.json)
- [Company JSON](/api/ai/company.json)
- [Brand Guidelines JSON](/api/ai/brand.json): Logo files and rules, colour palette, typography, naming, voice, and imagery rules
- [Brand Guidelines Markdown](/brand.md): The same guidelines as one document
- [Download Kits Index](/api/kit/index.json): Logo and product image kits, each with a JSON manifest and a zip
- [Full Content Dump](/llms-full.txt)

## Contact

- **Email:** Contact via https://www.surfboardpayments.com/contact
- **Offices:** Stockholm (Barnhusgatan 4) and Chennai, India
- **Social:** @surfboardpay