Integration Options
Various factors may influence how you choose to integrate, including:
- Customization needs: The extent to which your payment experience needs to be customized.
- Time-to-market goals: How quickly you want to start onboarding merchants and processing payments.
- Payment types processed: The types of payments processed on your platform.
- Development resource availability: The availability and expertise of your development team for integration and ongoing support.
Best practice is to split your integration into multiple phases: onboarding, payments, and documents.
The table below compares your integration options for onboarding new merchants.
| API-ONLY | HOSTED APPLICATION | |
|---|---|---|
| Description | Build a custom onboarding flow using the OnboardingAPI. | No-code option for partners to onboard a merchant. |
| Integration effort | Highest effort | Lowest effort |
| Continuous optimization | Requires integration changes | Automatic |
| Customization | ||
| UI customization | Customize and build your own UI | White-labeled |
| Flow logic | Extensive control | Limited control |
| Pre-fill merchant data | ✓ | ✓ |
| Mobile support | Dependent on implementation | Responsive web |
| Features | ||
| Document upload | Dependent on implementation | ✓ |
| Invite a collaborator | Dependent on implementation | ✓ |
| Plaid for bank verification | ✗ | ✓ |
| Email notifications | ✓ | ✓ |
| Webhook events | ✓ | ✓ |
No-Code Modules
The table below outlines the key functionality available through no-code modules, which enable you to manage operations and process payments without writing a single line of code. White-label settings apply to all modules.
Refer to our Merchant Preferences guide to customize the Onboarding, Payments, and Notifications modules.
| MODULE | DESCRIPTION |
|---|---|
| Onboarding | The merchant application must be completed before a merchant can process payments. The hosted application is continuously optimized to increase approval rates, achieving a 50% higher likelihood of instant approvals compared to direct API integrations. |
| Dashboard | The Dashboard is used to manage daily operations including payment management, reconciliation, dispute resolution, and more. |
| Payments | Merchants can collect payments using payment links and the virtual terminal. |
| Notifications | Automated email notifications are sent to your merchants related to their merchant application, information requests, and disputes. |