Connected accounts
Create your customers’ merchant accounts by API, take payments for them with your own key, keep your fee — and hand the account over whenever they are ready, keys and history intact.
Marketplaces, SaaS products, billing systems, cooperatives, school platforms and institutions that take payments on behalf of others.
Switched on for this deployment.
The problem
A platform that collects on behalf of its customers either becomes an unlicensed payment business or forces every customer through a signup it does not control. Neither is a good place to be.
How it works
- Create the customer’s merchant account with one call; they get a claim link to own it.
- Take payments for them with your own key by adding the account header to any operation.
- Keep your fee as a transparent split taken at capture and shown on both statements.
- Send the claim link whenever they should sign in themselves; detach when the relationship ends.
What you can check
Facts about the running platform rather than adjectives. Each one is visible in the product, the API reference or the ledger.
- The customer is the merchant of record: their money lands in their wallet and settles by their settlement profile.
- Your fee is a split on the payment, paid at capture, visible on both sides rather than netted invisibly.
- Any operation your key may perform for you, it performs for a connected account with one header; scopes still apply.
- When the customer claims the account they see you under Team as an administrator, and they can remove you at any time. Keys, wallets and history stay theirs.
What it costs
No charge for creating or holding accounts. Payments carry the ordinary rate, and your platform fee is yours.
Questions
Who is the regulated party?
BitriPay holds the authorisation and remains the regulated party. Each of your customers is the merchant of record for their own payments, with their own wallets, settlement profile, statements and verification.
What happens when a customer leaves me?
They detach you, or you detach yourself. Their account, keys, money and history stay with them. Nothing of theirs was ever held in your name, so there is nothing to unwind.
Can I take a fee?
Yes. Set a default fee in basis points on the account, or a fixed amount per payment. It is taken at capture as a split and appears on both statements, so your customer can see exactly what you charged.
Read next
The gateway API
A payments API whose documentation is generated from the same table that serves the requests, so the reference can never describe an endpoint the platform does not have.
Signed webhooks
Deliveries you can verify two independent ways, replay yourself from the dashboard, and receive on a built-in inbox if you have nowhere to host an endpoint yet.
Team and roles
Staff get their own sign-in with a role the software enforces every time, including a refund limit the owner sets — so delegating the counter does not mean handing over the business.