Products

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Vertical software platforms

The financial life of your customers is moving into your platform. Own it.

Payments, payouts, financing, and insurance — on your terms, from day one.

21%

Faster growth for multi-product platforms — Tidemark ’25

Faster growth for multi-product platforms — Tidemark ’25

The walls every vertical platform hits

Data you own but can’t use

Business records, credentials, and underwriting history — locked in your processor’s stack instead of working for you.

Starter kits you outgrow

The control you were promised gets sold back to you as services, one negotiation at a time.

Visibility without action

Dashboards that show you fees you can’t explain, and changes that wait on someone else’s developer.

What changes

Own it, and everything compounds

Own the relationship

Your brand, your data, your customer experience — from the first onboarding to every product that follows.

Keep the margin

Pricing and packaging become product decisions you ship — not services you negotiate.

Compound the growth

Onboard once, activate anything. Every product you add builds on the one before it.

How money moves

One flow of funds, built for your platform

Follow a dollar through your product — in, out, and beyond. Your brand on every touchpoint.

Your customer

An SMB pays inside your product

Your checkout

Your brand on every touchpoint

Money in

Card, ACH, and wallet acceptance

Money out

Payouts to merchants, vendors, and partners

Beyond payments

Financing and insurance on the same rails

Your customer

An SMB pays inside your product

Your checkout

Your brand on every touchpoint

Money in

Card, ACH, and wallet acceptance

Money out

Payouts to merchants, vendors, and partners

Beyond payments

Financing and insurance on the same rails

Capabilities

What you build with us

Outcome-first capabilities, at whatever depth you choose — APIs where you want control, components where you want speed.

A data foundation you own

Business records, tokens, and history — portable and usable, not hostage.

Business record

Business record

bus_8K2qNw

bus_8K2qNw

NA

NA

Northside Auto Group

Northside Auto Group

Underwritten once · Feb 2026

Underwritten once · Feb 2026

Verified

Verified

ON FILE

ON FILE

Card token ··4242

Card token ··4242

ACH token ··6789

ACH token ··6789

Identity · verified

Identity · verified

Underwriting history

Underwriting history

Portable by design

Portable by design

Export anytime →

Export anytime →

Payment acceptance

Card, ACH, and digital wallets — online and in person.

Transaction ledger

Transaction ledger

#pmt_8Kd2Qv

#pmt_8Kd2Qv

Authorization

Authorization

2:14 PM

2:14 PM

$2,480.00

$2,480.00

Capture

Capture

2:16 PM

2:16 PM

$2,480.00

$2,480.00

Processing fee

Processing fee

2:16 PM

2:16 PM

−$72.42

−$72.42

Platform fee

Platform fee

2:16 PM

2:16 PM

−$24.80

−$24.80

Net settled

Net settled

$2,382.78

$2,382.78

$2,382.78

Payouts and money movement

Settlement on your schedule — to merchants, vendors, and partners.

Payables

Payables

$7,450.00

$7,450.00

$7,450.00

3 payments · today

3 payments · today

1% platform fee · $74.50

1% platform fee · $74.50

Northside Sports Association → Equipment vendor

Northside Sports Association → Equipment vendor

$3,200.00

$3,200.00

Lakeside Wellness → Franchise HQ

Lakeside Wellness → Franchise HQ

$1,850.00

$1,850.00

Bridgepoint Fitness → Lakeside Group

Bridgepoint Fitness → Lakeside Group

$2,400.00

$2,400.00

Pricing, risk, and compliance controls

Configure rates, packaging, and rules — no engineering tickets.

Rate configuration

Rate configuration

3 segments

3 segments

Enterprise

Enterprise

500+ locations

500+ locations

2.40% + $0.10

2.40% + $0.10

2.40% + $0.10

Mid-market

Mid-market

50–499 locations

50–499 locations

2.65% + $0.10

2.65% + $0.10

2.65% + $0.10

Self-serve

Self-serve

Under 50 locations

Under 50 locations

2.90% + $0.30

2.90% + $0.30

2.90% + $0.30

Set by segment, method, and card brand — yours to change.

Set by segment, method, and card brand — yours to change.

Signals with the next move attached

Not reports — prompts your team can act on, per business.

Signals

Signals

3 next moves

3 next moves

Auth rate dipped 2.1%

Auth rate dipped 2.1%

Northside Auto Group · today

Northside Auto Group · today

Retry with network tokens

Retry with network tokens

Payout velocity up 3×

Payout velocity up 3×

Bridgepoint Fitness · this week

Bridgepoint Fitness · this week

Raise limit

Raise limit

New location detected

New location detected

Cedar Park Veterinary · yesterday

Cedar Park Veterinary · yesterday

Start onboarding

Start onboarding

Every signal arrives with its move attached.

Every signal arrives with its move attached.

Embedded financial products

Financing and insurance from industry leaders, under your brand.

Product catalog

Product catalog

Under your brand

Under your brand

CF

CF

Consumer Financing

Consumer Financing

Buy now pay later plans

Buy now pay later plans

$61,400

$61,400

Live

Live

IN

IN

Insurance

Insurance

Powered by Vertical Insure and global carriers

Powered by Vertical Insure and global carriers

$12,323

$12,323

Live

Live

IP

IP

Instant Payouts

Instant Payouts

Same-day settlement

Same-day settlement

Beta

Beta

WC

WC

Working Capital

Working Capital

On the roadmap

On the roadmap

Coming soon

Coming soon

SportsEngine built a billion-dollar fintech platform the hard way.

5×

customer value added by payments monetization

$100K

collected in the first hour of online registration

~$100B

transacted yearly in U.S. recreational sports

Products used

Payments · Insurance · Lending

Built for your whole team

Every seat gets a reason to say yes

For builders

Ship with APIs and components

Developer-first APIs and docs

Drop-in components where speed wins

A sandbox from day one

For operators

One source of truth per business

Pre-activation through expansion in one view

Underwriting status at a glance

Reconciliation that isn’t archaeology

For finance and compliance

Economics you can explain

Transparent, cost-plus pricing

No made-up fees

Clean, auditable reporting

How we work

De-risked by design

Pick your depth, flow by flow

APIs where you want control, components where you want speed. Adopt one flow or the whole stack — and change the mix later without starting over.

No lock-in, at any layer

Your data stays portable and usable — records, tokens, and history. An exit you’ll never need, built in from the start.

Questions, answered.

See what your platform could own

Walk through your flow of funds with us — and what running it on your own terms would mean.