Merchant Commerce & Embedded Payments
Give merchants a reason to stay that isn't the rate.
Merchants expect subscriptions, invoicing, installments, and the payment methods their customers already use — the tools vertical SaaS and fintech platforms hand them by default. When those capabilities come from someone else, that someone else becomes the primary relationship and you become a line item on a statement.
NGnair puts modern commerce tools into your product set for you to sell. The merchant gets the capability, and you keep the account — plus something to talk about besides basis points. Alternative payment methods are switched on per MID, so what a merchant can accept is a decision you make, not a limit you inherit.
Capabilities
- Pay links and hosted payment pages
- Subscription and recurring billing
- Payment plans and installments
- Alternative payment methods — wallet payments, crypto, and BNPL
- Customer wallets: stored payment methods for repeat purchases
- Real-time tax calculation at checkout
- Mobile and embedded payment experiences
- POS and device connectivity
- Open APIs and SDKs for anything not covered off the shelf
- App marketplace with managed integrations
Business outcomes
- Compete on capability instead of price
- Open revenue lines beyond processing
- Let merchants accept how their customers actually want to pay
- Raise switching costs on every merchant you sign
- Win merchants running software-led operations
The merchant relationship grows from a processing account into a commerce platform — yours.
The organizations that usually start here
Where this fits in the wider platform
These merchant-facing products run on the orchestration layer underneath, so commerce capability never requires a parallel stack or a second set of processor relationships.
Merchant Acquisition & Underwriting
Turn applications into approved merchants faster, with AI-assisted risk analysis and verification in one workflow.
Revenue & Portfolio Management
Know what every merchant, agent, and sub-ISO earns — traced to the transactions that produced it.
Payments Infrastructure & Orchestration
Route card, alternative payment methods, and bank rails through one integration, with automatic failover.
Enterprise ISO & FSP Infrastructure
Operate as a wholesale ISO, FSP, or BIN-sponsored acquirer on infrastructure you don't have to build.
Look at what you could sell next quarter.
Bring the product sheet your agents use today. We'll show you what gets added to it, what it does to switching costs, and how revenue participation works across the chain.