Payment Methods
Commerce Hub for Platforms supports multiple payment methods that allow customers to make payments through your platform.
Card Payment
Card Payment allows Commerce Hub for Platforms to process customer-funded credit and debit card transactions through supported payment processors using standard transaction types such as Authorization, Capture, Sale, Refund, and Void.
It provides a consistent payment orchestration layer that manages transaction requests, status updates, lifecycle events, and reporting, allowing platforms and merchants to integrate with a single payment processing framework regardless of the underlying processor.
| Category | Examples | Integration Methods |
|---|---|---|
| Card Payments | All major debit and credit cards | Direct API / Hosted Checkout (limited to specific payment methods) |
Refer to Card Payment for supported card types.
Digital Wallets
Digital Wallets enable Commerce Hub for Platforms to process payments using customer wallet credentials provided by supported digital wallet providers. It receives and processes the wallet payment information through its standard payment framework, allowing merchants and platforms to support streamlined checkout experiences while maintaining a consistent transaction lifecycle and status tracking.
Digital wallets can help improve customer convenience by reducing payment entry friction and leveraging secure, tokenized payment credentials.
| Category | Examples | Integration Methods |
|---|---|---|
| Digital Wallets | Apple Pay, Google Pay | Direct API / Hosted Checkout (limited to specific payment methods) |
Refer to Digital Wallets for supported types.
On-Us Payment
On-Us Payment enables Commerce Hub for Platforms to facilitate fund transfers between participants within the same ecosystem using funds already available in platform-managed balances.
Rather than initiating a transaction through external card networks or banking rails, it records and processes the movement of value internally, providing a streamlined payment experience for ecosystem participants.
This model is commonly used for wallet-based payments, account-to-account transfers, and other closed-loop payment scenarios where both the payer and payee operate within the same platform environment.
| Category | Examples | Integration Methods |
|---|---|---|
| On-Us Payment | Participant Earnings | Direct API |
Pay-In Relationship to Split/Allocation
Payment acceptance serves as the event that generates the funds available for distribution through Fund Management. Once a payment is successfully processed, platforms can allocate transaction proceeds among one or more participants using either allocation instructions or predefined allocation rules.The selected payment method determines the source of funds, while allocation capabilities determine how those funds are distributed and tracked across participants.
Risk and Compliance Impact
Payment methods and fund distribution models may influence onboarding, underwriting, and ongoing monitoring requirements for participants. Platforms are responsible for ensuring fund movement aligns with applicable card network, banking, and program requirements.