Ownership

An asset on your
balance sheet

Most gateways rent you a revenue stream. SurePay sells you one — with the source code, the merchants and the data in your hands.

01 — The difference

Most gateways rent you
a revenue stream.

We sell you one. Same merchants, same processors — a fundamentally different position on your balance sheet.

The usual deal

You rent the rails

  • The processor keeps a share of every basis point you earn.
  • Your merchant data lives on someone else’s platform.
  • Roadmap and release cadence are set for you.
  • Nothing on the balance sheet when you go to sell the book.

The SurePay deal

You own the rails

  • You keep 100% of transaction fees and recurring revenue.
  • Self-hosted, with the source code and the data in your hands.
  • Your brand end to end — portal, hosted pages, invoices, apps.
  • A financing plan sized for an ISO or ISV balance sheet.
02 — The commercial

Bought outright,
on terms that fit

The gateway is an asset purchase, not a subscription. The financing plan is what makes that reachable for an ISO or ISV.

  1. 1

    Scoping call

    Your portfolio, processor mix and pricing programs. We come back with the shape of a deployment.

  2. 2

    Commercial review

    Purchase terms and the financing structure, sized against your book rather than a list price.

  3. 3

    Sandbox and pilot

    API docs, sandbox credentials and a first group of pilot merchants on your own branding.

  4. 4

    Estate migration

    Terminals and merchants move in waves, with the old gateway live until each wave is settled.

Terms are set against the size and mix of your portfolio rather than a list price, so they are covered on the scoping call. Nothing is signed before you have run your own merchants through the sandbox.

06 — Merchant economics

Three ways to change
who carries the cost

Pricing programs are how your merchants compete. All three run card-present and card-not-present.

Surcharging

A fee added to credit transactions, with BIN validation so it never lands on a debit card.

Cash discount

A lower posted price for cash. Runs on terminals, hosted pages and invoices.

Dual pricing

Card price and cash price shown side by side, so the choice sits with the cardholder.

Comparison pointSurcharging Cash discountDual pricing
What the merchant doesAdds a credit feeLower price for cashBoth prices shown
Who absorbs the costCredit cardholderCard payerCard payer
What the cardholder seesFee line at checkoutOne posted priceTwo posted prices
Debit kept compliant byBIN validation
Certified onTransIT · OmahaTransIT · OmahaTransIT · Omaha

Whichever program runs, the fee and any tip are itemized on screen before the cardholder confirms.

Of transaction fees
0%
Kept by you, not shared upstream.
Certified platforms
0
TransIT, Omaha/North and Paya/Nuvei.
Capabilities shipped
0
Every one listed in the feature matrix.
Uptime target
99.999%
Multi-region, geo-replicated Azure.

Merchant counts, processing volume and customer references are available under NDA on a scoping call.

10 — Questions

The ones that come up
on every first call

If yours is not here, ask it on the scoping call — or email it and we will answer in writing.

Ready to own
your gateway?

A scoping call covers your portfolio, processor mix and pricing programs. You leave knowing what ownership would cost you.